'Investments should be on the basis of goals'

We spoke with Naveen Surya, MD, ItzCash, to learn about his investing philosophy and what instruments he prefers to make investments.

Q: What is your philosophy towards investment?

A: Invest on the basis of your personal plans and for different time horizons to meet different personal objectives in life.

Q: How disciplined are you when it comes to investments?

A: I think of myself as moderately disciplined.

Q: What kind of an investor would you describe yourself as: conservative, balanced or aggressive?

A: I am a moderately balanced investor.

Q: Which is your most preferred instrument for investment?

A: It varies basis the objective with mix of debt/equity/real estate/FD/insurance.

Q: Could you share some of your learnings in investing?

A: It should be oriented towards personal goals in life, balance risk and returns carefully basis personal appetite for risks, risks should be taken keeping personal obligations, liabilities in mind. Q: What is your advice to the general public as far as investing is concerned?

A: Know your personal goals clearly before you plan your investments.