Important link: link.labourlawadvisor.in/shorts Note: A withdrawal fee of $20 is applicable for withdrawals less than $2000. Withdrawal here means bringing the money back into your Indian bank account and not while selling any stock. Solution is to sell for rebalancing and keep the money in US until it becomes a big amount, and then withdraw it all together. Download INDmoney app: indmoney.onelink.me/q36k/3678a7b0 Update from INDmoney team: The withdrawal fees are planned to be reduced very soon in 30-45 days time.
@tkdevlop3 жыл бұрын
Groww us stock is better
@CSVikasGupta3 жыл бұрын
Hello sir, video is good as usual, one think want to correct sir, international fund contain debt fund like taxation and taxation is long term after 3 years not 2 years, before 3 year is short term and after 3 year is long term cap. Gain that is 10% after indexation. U considering 2 years. Kindly consider and thanks for a alwys lovly video
@prashikraj183 жыл бұрын
Live investment Demo plzzz....!
@LabourLawAdvisor3 жыл бұрын
@@CSVikasGupta that rule is for funds. Not stocks.
@REVIEW_WITH_ASR3 жыл бұрын
Thanks you sir it helps a lot for me. Also plz make a full information video on ETFs
@Riggsnic_co Жыл бұрын
Yes stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are alot of wealth transfer in this downtime if you know where to look.
@Oly_laura Жыл бұрын
Since the crash, I've been in the red. I’m playing the long term game, so I'm not too worried but Jim Cramer mentioned there are still a lot of great opportunities, though stocks has been down a lot. I also heard news of a guy that made $250k from about $110k since the crash and I would really look to know how to go about this.
@martingiavarini Жыл бұрын
There are actually a lot of ways to make high yields in a crisis, but such trades are best done under the supervision of Financial advisor.
@lipglosskitten2610 Жыл бұрын
Thats true, I've been getting assisted by a FA for almost a year now, I started out with less than $200K and I'm just $19,000 short of half a million in profit.
@bob.weaver72 Жыл бұрын
@@lipglosskitten2610 Impressive can you share more info?
@lipglosskitten2610 Жыл бұрын
@@bob.weaver72 My advisor is ‘’Catherine Morrison Evans’’ she’s highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market
@Raymondjohn2 Жыл бұрын
The stock market rally started Thursday strong but reversed solidly lower, undercutting the lows of the prior few days. It's a reason to be cautious in the very short term. But the pullback could be setting the stage for another solid advance. Tesla (TSLA) continued to climb Thursday, even though the EV giant pared intraday gains. TSLA stock has now more than doubled from its Jan. 6 bear-market low,I'm still at a crossroads deciding if to liquidate my $238k stock portfolio, what’s the best way to take advantage of this bear market?
@martingiavarini Жыл бұрын
sure there are loads of ways to make a killing right now, but such high-volume near impeccable tradess can only be carried out by real-time experts.
@hermanramos7092 Жыл бұрын
Having an investment adviser is the best way to go about the market right now, especially for near retirees, I've been in touch with a coach for awhile now mostly cause I lack the depth knowledge and mental fortitude to deal with these recurring market conditions, I nettd over $220K during this dip, that made it clear there's more to the market that we avg joes don't know.
@bob.weaver72 Жыл бұрын
that's impressive!, I could really use the expertise of this advisors , my portfolio has been down bad....who’s the person guiding you.
@martingiavarini Жыл бұрын
credits to Catherine Morrison Evans, one of the best portfolio manager;s out there. she;s well known, you should look her up
@bob.weaver72 Жыл бұрын
This recommendation is coming at the right time because i am literally grasping for straws atm! I verified her online and scheduled a phone call with her.
@emilybrown2719 Жыл бұрын
I am new to the stock market. Every stock that I bought so far, I was out of luck because I bought them when they were expensive. I feel I missed out on all the stock opportunities so far for the tech stocks.I believe having 150K yearly income would be a good investment so I want to plug all my savings into the stock market. I know this sounds a bit dull but I would like to know if I should learn investing or let somebody else (more capable like a FA) do it for me? Please share your thoughts. I am kind of tired of searching for a good stock to buy and losing all the good opportunities
@FeliciaJudge Жыл бұрын
@emilybrown2719 Жыл бұрын
@@FeliciaJudge Hi , please who is the expert assisting you and how do I reach out to them?.
@FeliciaJudge Жыл бұрын
@@emilybrown2719 The broker I'm in touch with is *Christine Marie Rocke. I came across her in a Bloomberg interview and got in touch with her. You can use something else. For me, her strategy works hence my result. She provides entry and exit point for the securities I focus on.
@emilybrown2719 Жыл бұрын
@@FeliciaJudge Thanks for sharing, I just looked her up online and I would say she really does have an impressive background on investing.
@Damien1_1 Жыл бұрын
Bots
@NicholasBall1306 ай бұрын
Biggest lesson i learnt in 2023 in the stock market is that nobody knows what is going to happen next, so practice some humility and low a strategy with a long term edge.
@StacieBMui6 ай бұрын
Nobody knows anything; You need to create your own process, manage risk, and stick to the plan, through thick or thin, While also continuously learning from mistakes and improving.
@cowell6216 ай бұрын
Uncertainty... it took me 5 years to stop trying to predict what’s about to happen in market based on charts studying, cause you never know. not having a mentor cost me 5 years of pain I learn to go we’re the market is wanting to go and keep it simple with discipline.
@StocksWolf7526 ай бұрын
Could you kindly elaborate on the advisor's background and qualifications?
@cowell6216 ай бұрын
The advisor that guides me is Sharon Lee Peoples most likely the internet is where to find her basic info, just search her name, She's established.
@lolitashaniel23426 ай бұрын
I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.
@preetomdas38863 жыл бұрын
Yes sir..we want a separate detailed video on ETFs..🙏🏻🙏🏻🙏🏻 Coz many people are planning to diversify by investing in Nasdaq 100 or S&P 500 ETFs..
@AbhiandNiyu3 жыл бұрын
This is probably the best video we have seen on US Stocks. Rather than jumping on the bandwagon - you analysed the pros and cons evenly. Simply superb 👏👏
@LabourLawAdvisor3 жыл бұрын
❤️❤️🙏
@arnabdey81233 жыл бұрын
Kamaal ka simplicity h bhai bande me. Bht simple kr k samjhata h. Thanks from the core of my heart.
@himanshusingh98722 жыл бұрын
Thanks
@albertishu90663 жыл бұрын
I must say that you make the most comprehensive video on any topic... that's why you're the best in the market❤️
@sujoy703 жыл бұрын
Best video ever! No one explained in this details! Yes, make video on ETF also… in depth!
@ashishdubey31723 жыл бұрын
Thanks brother, ek bhi video miss nahi karta hun main...LLA ka
@umamifit56792 жыл бұрын
I have watched so many sponsored videos of INDmoney but yours was most honest one. Thank you.
@tikiortaka2 жыл бұрын
This amount of clarity and production value shouldn't come from a free video. Lots and lots of love and respect guys!!! 😇😇
@piyushkumar64563 жыл бұрын
Can't thank you enough MMM! #respect. Have actually opened sbm account yesterday.
@shubhamkumarpandey81623 жыл бұрын
Bhai itna accha pahli baar samajh paya hoon US stocks mein investment k bare mein. Thank you 😊😊
@sanjeevkumarsnv226711 ай бұрын
Aapki har video information se full loaded hoti hai... Keep it up
@testwest7422 жыл бұрын
This is the best channel for complete personal finance.
@dkc1992 жыл бұрын
Holding MAFANG , NASDAQ 100 ETFs , TATA DIGITAL INDIA FUND , PARAG PARIKH FLEXI CAP FUND . All this are sufficient for me.
@VIVEKSINGH-vh2vc2 жыл бұрын
Hey LLA team, amazing video with very detailed information....please make a separate video for ETF as few of us are actually looking to diversify our portfolio it will help us a lot in understanding this important part also ; Thanks ✌️
@FireDragon80843 жыл бұрын
Very very very informative video. I was waiting since long time for such detailed video on ind money. Thanks Bro.
@tarunn94693 жыл бұрын
Thanks for the detailed information. Considering charges and taxes, what should be the best option to invest in US stocks- ETF/Mutual fund buying in India OR buying direct stocks via IND app?
@vibhutidevadhara68562 жыл бұрын
Superb! The only video that clarified so many 'if and buts'. Great job
@ShivamPandey-ff1wg3 жыл бұрын
Your videos are invaluable brother
@AD.0332 жыл бұрын
Amazing vidio brother, bahut accha gyan prapt hua .🙏
@Ravi-rd6cw Жыл бұрын
The explanation was good and majority of the points are covered, thanks. It would be useful for us if you can include how indmoney makes money from this
@MrAnkurjalan1233 жыл бұрын
We want ETFs description video, thank you guys for you priceless service
@manantantia3814 Жыл бұрын
Just a Constructive Criticism.. In Intro when the first scene shifts at around #00:17 it's very noisy... like apart from the background sound.. mic is catching a little echo + noise. Other than that perfect. ❤️❤️❤️
@ManishKumar-fm2pn2 жыл бұрын
we want a separate detailed video on ETFs..🙏🏻🙏🏻🙏🏻
@NoOne-dv3gh3 жыл бұрын
Seedhi baat Buy foreign mutual fund or flexi cap fund like parag parikh, no need to directly invest
@shaileshbirajdar31703 жыл бұрын
yaa....parag parikh fund is way good they invest about 35% in us stock
@ImBlackDragon2 жыл бұрын
If so then forget dreaming millions.
@armstrong24502 жыл бұрын
Yeah if they had some funds where they invest 100% of their money on US markets. Not 35%. And parag Parikh is low risk.
@Ribro2 жыл бұрын
Seedhi bat .. they are frozen now.
@onelifehai8882 жыл бұрын
@@armstrong2450 its there, kotak nasdaq 100 fof
@snehankitsherkar2 жыл бұрын
All doubts are cleared 😀 ❤️
@adrian_barreto2 жыл бұрын
Thank you for a clear video on US stock investing
@gokulakrishnanragothaman64643 жыл бұрын
Clear analysis of the app, cleared all my doubt and In-depth analysis. Just one thing missed in the fine print. What is the annual maintenance charges to be paid to drive wealth.
@Touchytunes2 жыл бұрын
beautifully explained and lots of points covered in one video. full utilization of time.
@awadheshyadav33552 жыл бұрын
Thank you sir I was searching for the same video for over the year . It clear all doubt regarding the investment in US stocks.
@satyamdeshmukh14242 жыл бұрын
Please make seperate video on ETF. Thanks for making such informative videos.
@karamjitsingh20683 жыл бұрын
This vedio is amazing,can you please make a vedio on etf
@nagarelectronics66462 жыл бұрын
Excellent video I salute your hard work all detail comes under these video..... Very very nice keep it up bro....
@gauravarya24192 жыл бұрын
bhai clearly explained and now understood. thanks i was desperately looking for this information.
@namanjindal30893 жыл бұрын
The first video which truly tells all the things and makes things crystal clear also. So many promotions done by other youtubers, yours was best explanation.
@LabourLawAdvisor3 жыл бұрын
Thanks bro ❤️
@namanjindal30893 жыл бұрын
@@LabourLawAdvisor us etf pr bhi bnadena 👌👌
@puneetjoshi2 жыл бұрын
@@LabourLawAdvisor you forgot to tell about the charges that will be levied if amount transferred in an year, exceeds Rs 7lakh.
@theblurguy43982 жыл бұрын
Can you make a video explaining how to use IND Money, step by step, meaning, I want you to show every single detail, without skipping any small step. Appreciate your help!
@alokpaul33923 жыл бұрын
We need ETF Video..... ♥️♥️♥️♥️ Thanks for the information 😌
@viveksinghdroid3 жыл бұрын
Beautifully explained, Thanks for this much-needed video :)
@GoofyChaiLoverGirl3 жыл бұрын
I am already using this App. Bohot accha video banaya Mandeep.
@cpandit8033 жыл бұрын
Your video editing skills have become top notch. Keep it up!
@LabourLawAdvisor3 жыл бұрын
Thanks, Rohan will be happy to see this comment ❤️
@VanKayl3 жыл бұрын
@@LabourLawAdvisor Indeed I am
@Abhishek-ou1gc3 жыл бұрын
Such a great information. Want video on ETFs.
@itsSimpleman3 жыл бұрын
sir us stocks k upar aur vdos bnayeinplss mene bhi recently open kia h indmoney m account 🙏🙏🙏
@subhajitys9063 жыл бұрын
bohat bohat shukriya bhaiya, yeh sab facts share karne k liye 🤘...maine v yeh fees aur charges ko dekh k pehle invest krne se hat gaya thaa 😅
@Abhinashray3 жыл бұрын
Good content best analysis...may good content like this will stay for long. ❤️
@Million-wi8bt2 жыл бұрын
Want to know about ETFs Aapki video pe pura believe hota hai sir kyuki aap law ke baare me bhi batate hai
@aniketchakraborty85443 жыл бұрын
Extremely informative! I was having this doubt where our US holdings are getting stored! 😊😊
@hackerbaba73793 жыл бұрын
Yeh nehi batayega, kiuke ise patahi nehi ise to bas promotion ka paisa milna chahiye
@aniketchakraborty85443 жыл бұрын
@@hackerbaba7379 abhi toh bataya video mein ki US Brokers ke paas hi store rehta hain unlike here in India where our stocks get stored in CDSL/NSDL
@hackerbaba73793 жыл бұрын
@@aniketchakraborty8544 bhai eha CDSL, NSDL jiske upar SEBI baitha ho usko hi biswas nehi karpate aor oha 3rd, 9th party apps, companies par kaise biswas karle ????. Hai koi official security support hamare indian government ki taraf se aise apps, companies ki liye ??? Batao ???? Yeh log free videos kiu nehi banata ???? Har videos me refar ??? Kiu? Apne kabhi gour kiye hooo ????
@ravirajgohil3971 Жыл бұрын
“adding new money to your US Stocks a/c will be paused because RBI has asked SBM India to stop remittance transactions.” Do you know this? Can you explain why? Also is it still safe to continue investing?
@shrishakamath6933 жыл бұрын
Loved this bro... Plz make more videos on international investment.....
@roshanpaswan94213 жыл бұрын
Nice video sir , very helpful and ETF par v video sir🙏
@pushparajsharma6022 жыл бұрын
Very useful information 👍
@sirajuddinkhan15992 жыл бұрын
Sir ji indmoney par buy or sell kaise kartey hai ispar ek video bana dijiye na plss sir ji🙏🙏🙏🙏🙏🙏🙏
@pankaj.kumardas3 жыл бұрын
kafi time se soch raha tha Ind money safe hai ki nahi karvy ki tarah, 🤔par finally is video ko dekhne k baad doubt clear ho gaya
@advanced373 жыл бұрын
Safe ha?
@killeraloo32478 ай бұрын
Acchi video thi. Kafi kuch clear hua. ETF par video kab laa rhe ho?
@jyothigopalan2472 Жыл бұрын
Super useful video! Thanks a bunch..Wondering if you have already made a video on ETF..
@kishanjv43613 жыл бұрын
Thanks for information sir, pls explain us ETF's too so that we can gain knowledge of etf too
@ShubhamGupta-js6ku2 жыл бұрын
I know Dada but the biggest limitation is that whenever you want to bring back your 💰 money from US to Indian then we will have to pay $20 if your are withdrawing less than $2000/-
@sectiond79472 жыл бұрын
Nhi bro
@sectiond79472 жыл бұрын
Kal mene 250 rupay nikale the Zero charge lga
@sumitr24092 жыл бұрын
Wow man... You gave information which would have known upon reading more than 100 pages I guess.. thanks lot
@Manish9Bavaskar2 жыл бұрын
Lovely video bro.. Video on indian and foreign etf plz... . And video on without faang companies.. Which are better future companies..?
@mayuram43 жыл бұрын
Brilliant video, Mandeep 👍
@Nira_1246 ай бұрын
Great video!! Kindly share dedicated video on ETF's too
@Karimnadia22 жыл бұрын
*I FEEL LIKE THE HOLE SEASON IS OVER, I'M TRYING TO GET INTO TRADING AS A ROOKIE, BUT I'VE HAD SO MUCH LOSS TRYING TO TRADE ON MY OWN, PLEASE WHAT STRATEGIES DO I NEED TO EARN PROFITS FROM THE MARKET*
@ANDREW-en5sw2 жыл бұрын
@Pacome Ali This Bitcoin trading has set sail. I honestly cannot overemphasize how much delving into Bitcoin trading has helped saved and changed the lives of many.
@mermianmem7982 жыл бұрын
@Pacome Ali Wow buddy, that's more than a mouthful of profits you're making. How do you achieve this feat consistently? You must be a genius in trading.
@michaelrichard23712 жыл бұрын
Interesting.. how did you do it? I could use some help over here too, My Crypto picks have been depressingly bad Tbh I'm in need of a good investment plan currently, I still have a lump sum in a savings account yielding next to nothing. Do you have more clues that could help?
@nataliejanet5332 жыл бұрын
@Pacome Ali How reliable and efficient are her services? know this question may seem out of place, but this is what I look for in a portfolio manager or broker.
@meekdream99922 жыл бұрын
@Pacome Ali I'm a little confused here, Do you hand over your funds and what does she charge for her services?
@subodhsawant20092 жыл бұрын
awesome video...I think you have answered all question...please make video on ETF
@neerajgupta38432 жыл бұрын
US market mein option trading kaise karte hain? Is par video banaiye.
@bibsbro772 жыл бұрын
Ton of knowledge .. thank you team
@amanpandey21543 жыл бұрын
Your advice looks great on paper but you fail one important factor. .. Customer support. Your term insurance series chose Tata Aia as winner but their customer support is very bad. Their website doesn't work half the time and emails bounce back. And this is happening when I haven't even completed my policy purchase. What will happen at claim time? Same with INDMoney, they use SBM bank as partner but SBM bank is so bad at support that my money stuck for 3 weeks and still I see no resolution. Please consider customer support as well as a factor during analysis.
@amanpandey21543 жыл бұрын
Please dont get offended but you guys are youtuber... You can make a video about it your problem will be solved in a day.... Problem is with common man... He keeps mailing and calling just to get his own money back... We have digitised but our service support is same as 10 year back... I am new investor ... I learnt this hard way.. hope you will understand my point...
@LabourLawAdvisor3 жыл бұрын
Totally agree with you on this point. We try to use the service ourselves first and only then mention that in our videos. Honestly speaking, i have tata term plan but never had to deal with customer support because everything went fine with me. And not just me, Risbabh, his wife and his brother all took tata aia term plan and no one from 4 of us had any issue. Coming to indmoney, yes I'm also a new user and I'm connected to indmoney team as well. And i have passed on your feedback to them. Customer service is important and I'm sure they will pay attention to it.
@amanpandey21543 жыл бұрын
@@LabourLawAdvisor yes and I have trust on this channel, that's why I just added that this point should be talked about as well. I agree that everyone can have different experience. For TATA AIA, the contact us page is down even right now. It has been down since two days now. Website is face for any company yet half of their website is down since two days. So even others will be affected in this duration. I am contacting senior management for resolving the issue as well. Thanks for raising the issue with INDMoney, I hope to reach at some resolution with them soon. Apart from that, your videos have been very helpful to understand personal finance. Thanks to you guys I made my first investment with my first salary after understanding the importance of investment in young age. Keep up the good work.
@ThinkBeyondYou0093 жыл бұрын
@@amanpandey2154 LIC best hai
@kaushikevani2 жыл бұрын
Excellent. Covered absolutely all the questions I had
@Akash_here3853 жыл бұрын
Very Helpful & Knowledgeable 👍
@Info_with_Bhuvi3 жыл бұрын
Yes please baniye etfs pe videos...... Appreciated
@MegaSpassky3 жыл бұрын
Soon NSE is going to provide a platform for Indian investors to buy US stocks. I am waiting for that.
@abhishek22753 жыл бұрын
Still it would be a limited number of stocks. Only 50.
@yash314002 жыл бұрын
😂😂😂
@Sunny-Gupta13 ай бұрын
Any news regarding that?
@roysudipta2 жыл бұрын
Thanks for the wonderful explanation. Just one thing I am bit confused about. Say, my intention is to protect against sovereign risk. Will investing in ETFs/Mutual Funds from our Indian AMCs (e.g. Motilal Oswal NASDAQ 100 ETF) provide me same protection?
@vikramdayama83203 жыл бұрын
Please make video on ETF investment and which one is better to invest - Also how much should i invest initially in ETF ?
@esportslobby24403 жыл бұрын
finally a normal video.. bro market girne k sadme se jaage ho kya ap?? 😂
@rishabnegi47483 жыл бұрын
very well researched video and Yes, make a video on ETF also… in depth!
@balamuraliselvan3 ай бұрын
Host and fellow commentors😊, I'm new to this. I see the video and comments r 2 yr old. Can somebody say indmoney lived up to the promotion made in the video?! Thank you for helping.
@ExcelAZ2 жыл бұрын
Superb 💝. Is it completely zero cost ?🤔? Is there any hidden cost or condition apply or limit or minimum transfer like that.. please clarify.
@arnabdatta41282 жыл бұрын
My US Broker with Indmoney is Alpaca!
@sunokahanismi3 жыл бұрын
Bahut Bahut shukriya Sir 💐
@ramakantnaik1003 жыл бұрын
Love 💕 you 💓 sir Please ETF k baare mein details se batayein
@rudrabarik31522 жыл бұрын
Thanks for your valuable information 🙏🙏🙏
@sirajuddinkhan15992 жыл бұрын
Sir ji indmoney aap par stocks kharidtey bechetey kaise hai plss sir ji ispar ek video bana dijiye na plss sir ji🙏🙏🙏
@3devansh3 жыл бұрын
can you do comparison video between indmoney vs vested? how does Indmoney fair against vested, both offer similar features with similar fees.
@akshit245963 жыл бұрын
Probably the best video on this topic. Thank you :)
@sureshkumar-pg3iz Жыл бұрын
Sir. Kindly make a video on present problem of ADDING MONEY in indmoney app to buy us stocks.
@mukundmadhav877310 ай бұрын
Bro you guys are really great, I just love your content. Please be as genuine as you guys are right-now going forward as well. Thanks a lot❤
@CSVikasGupta3 жыл бұрын
Hello sir, video is good as usual, one think want to correct sir, international fund contain debt fund like taxation and taxation is long term after 3 years not 2 years, before 3 year is short term and after 3 year is long term cap. Gain that is 10% after indexation. U considering 2 years. Kindly consider and thanks for a alwys lovly video
@puneetjoshi2 жыл бұрын
Please Google US tax laws
@pathakajay19962 жыл бұрын
All that you have written is used for us mutual funds But in regards to individual us stocks 24 months Is the time limit for conversion from short term asset to long term asset
@ruchirjain632 жыл бұрын
Wow....so honest you are.
@shashanktyagi60642 жыл бұрын
Your content is just amazing
@AshokKumar-zn4yq Жыл бұрын
Tons of thanks you made superb informative video
@smisra12302 жыл бұрын
Very informative and helpfull video ....you explained all the things in such a clear and simple manner so that anyone can easily decide whether to go for investing in US market or not.....thanx a lot.....you are awesome.... 👍
@india11india113 жыл бұрын
Short and knowledgeable video. I will prefer SIP instead going to US.
@hetdesai23613 жыл бұрын
Thanks for good information. Please make separate ETF video
@deepakkumarprajapati88233 жыл бұрын
I already invested 100$ via the groww app, despite the charge I had to give. My target was to invest 200$ for now I was thinking to buy using the same app, but now if that is simple in indmoney app then I will 100$ US stock using indmoney app. Thanks for a wonderful video
@chetankumar91083 жыл бұрын
Where can I find us stocks tab on groww mobile app
@deepakkumarprajapati88233 жыл бұрын
@@chetankumar9108 in app it's not integrated only in website u can invest
@roshandhirsamant88663 жыл бұрын
Sir should we invest in ICICI prudential NASDAQ 100 index fund.
@privacyowl3 жыл бұрын
The question to ask is, how does Wealth Drive make money with these orders? Are they making money on the spreads of market orders? Can I submit limit orders from IND Money?
@LabourLawAdvisor3 жыл бұрын
There's a system called payment for order flow. It doesn't exist in India but US brokers use it to make good money. Apart from that Indmoney is currently bearing your share brokerage (if I'm not wrong).
@shubhamchowdhury63992 жыл бұрын
Plz also try to make a video on US stock / etfs in which we can invest our money