Bangalore: 2012 is going to be the ideal time to invest in Mixed Assets, reports Arnav Pandya of MyDigitalFC.Com.

The last couple of years have been filled with ups and downs in the financial sector. Fluctuating global economy, mixed with the depreciating rupee, has affected the market greatly. There are different types of investors who like to invest in different degrees of risks in investments. So, some like to invest more and get higher returns, while some prefer safer investments. As, investors are usually full of apprehension and in a dilemma with respect to where to invest their money, here are a few types of investments, which may aid people with their queries regarding investments this year –

1) Monthly Income Plans –

Monthly Income Plans are used to generate regular monthly incomes from mutual funds. As mutual funds guarantee a fixed rate of return on the invested amount (corpus or principal), this is a safer mode of investing one’s money. This ensures a steady flow of income throughout the year. This type of investment is ideal for senior citizens and the retired people as they can be sure of income every year. In this type of investment, the ratio of debt (mutual funds) is higher than that of equity shares. The ratio of equity is very less in this type of combination. As equity is more prone to the fluctuations in the stock market, increase or decrease in equity does not affect this type of investment much. This type of investment is for conservative investors.