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6 Evil Investment Habits to Slay This Dussehra October 04 2022Stock Market Education

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6 Evil Investment Habits to Slay This Dussehra

Financial planning is a big responsibility that is often ignored by many people. There are multiple investment avenues where one can invest their savings. If things are not handled carefully it can lead to problems and loss of capital. Whether it is about investing money or taking loans, we all have some or other bad habits. As we are going to celebrate Dussehra to commemorate the victory of evil over bad, let us try to cut down our bad habits.

Some of the bad investment habits to slay this Dussehra are as follows;

· Investing Without Diversifying

Diversification of the portfolio is essential to protect your money from different types of risk. It means that you must not put all your eggs in just one basket. Not diversifying investments is one of the common bad habits. Having a variety of investments in a diversified portfolio helps in reducing risk and financial downside due to volatility in a specific type of asset class.

· Excessive Cash In Hand

It is important to make the money work for you. Holding excessive cash in hand can lead to opportunity loss. Thus, it is important to hold the right amount of liquidity in hand. Excessive money in hand reduces the chances of making higher returns on your savings. The returns that you will get by holding cash in a bank would be much lower than what you may generate by investing in the different asset classes. Therefore, you must take wise investment decisions by deploying sufficient cash after setting aside enough money for an emergency.

· Investing Using Loan

Investments carry different types of risks with them and there is always a possibility that you might not earn returns out of them. Therefore, when you invest in any asset class make sure you are doing it with your own money. Never borrow money and invest using it because you will have to pay interest on the loan and the situation would be worse when you make negative or nil returns out of your investment.

· Investing Without Knowledge

Most people have a bad habit of investing without having sufficient knowledge. They do not take the help of advisors and end up investing in places where they should not. It is important to understand that it’s your hard earned money and investment must be made after a thorough understanding of the investment avenue. If you are not skilled enough, do not hesitate to take the help of a financial advisor.

· Becoming Victim of Market Noises

Most investors get carried away by the market noises. They blindly believe and follow everything that is being said or passed in the market. A novice trader in the stock market is the best example of it. He purchases stocks based on rumors or information that might not be true and end up making losses. Therefore, one must try to not become the victim of market noise and use prudence before taking any investment decision.

· Not Informing Your Family Members About Investment

One of the bad habits of investing is not informing family members about it. Your spouse, child or parents must be aware of all the different investments you have made. You must not forget that you invest money for securing your and your family’s future so they must be aware of all your investment. So give up the habit of keeping confidentiality about your investments and be open about your finances with your family members.

The above mentioned are 6 evil investment habits to slay this Dussehra. This Dussehra one must try his best to stay away from financial blunders. Try to follow the healthiest financial habits and stay ahead in the investing game. Understand your financial requirements and make your investment choices accordingly to see positive changes in your financial journey. 

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