# Introduction ndia has been a nation of saviours. We were able to spend less on our money and save a higher amount of regular income for our future. This also means postponing current consumption for a better future. Perhaps, we have not learned to invest our money wisely, over the years -as bank statistics are about to tell us. However, we have been doing well, relaxing for retirement, mainly because of this "saving" culture. Investment is important because in today's world, earning money is not enough. You work hard to earn the money you earn. But that may not be ready for you to continue a comfortable lifestyle or achieve your dreams and goals. To do that, you need to make your money work hard for you. This is why you are investing. Making money by not working on your bank account is a missed opportunity. You have to invest that money wisely in order to get the best out of it. Other investments may be cash-related assets that do not fall into one common category of assumptions. Standard components include stocks, bonds and cash. Many of the other investment assets are owned by institutional or accredited investors, highcost individuals because of their complex nature, lack of regulation, and risk level. ? Another investment could be a money related resource that does not drop into one of the common categories of value / pay. ? Private reserves or trade reserves, fence stores, genuine property, commodities, and intangible resources are cases of partitioned ventures. ? A few offline funds in the SEC. ? Several investments tend to be in some form. ? While customarily for organization speculators and licensed financial specialists, choices can be sold to financial specialists with alt stores, ETFs and shared reserves that make up portfolios of other commodities. Various investments include business investments, private equity, hedge funds, property investment, real estate and sale of assets such as precious metals, alternative finance, alcohol and art. These assets typically operate with minimal links to stocks and bonds, are difficult to master and are more common than traditional investments. (Other liquid options include asset class and ETFs and publicly traded funds that have been developed over the years and are capable of performing a single phase of asset planning or strategy. Alternatively, only authorized investors can directly invest in the above assets. This limitation exists because most fund managers rely on private registration exemptions that restrict the number of their investors to experienced investors. This investment will increase in popularity as institutional investors invest in pensions and invest in options as they realize the long-term profitability of this asset class. # II. # Research Problem The research problem in the current study is as follows: "Different financial management differs from traditional asset management in many ways. First, it varies depending on the two strategic objectives -it is intended to achieve full functionality, regardless of the nature of the underlying market -and its strategies, in particular, to exploit financial inefficiencies in the management of financial assets by opportunity and portfolio selection. It also varies depending on the financial strategies used, e.g. general use of profits, receivables and short sales, and certain investment vehicles used (ad agencies such as consolidated funds not bound by common law in the form of traditional investment vehicles). These factors, coupled with the fact that the alternative investment environment is different, make it difficult to measure the risk of a fund or the performance of a fund manager. Therefore, other measurement tools are needed, which are different from those widely used in traditional asset management. Over the past few years, alternative, varied and fastgrowing investment management, has enjoyed surprising improvements, evidenced by the high cost of management and increased traffic offered by a broad investor base. . By looking at the specific type of fund managers by another approach, the development of a separate investment sector raises questions about its effects depending on financial stability. It also creates new problems with respect to the division of roles between market participants and senior management in the organization and employment of the asset management industry. # III. # Research Method Applied Review of literature and secondary data. Research Questions: 1. How will investment make money? 2. How could investment potentially lose money? 3. How does investment fit in with everything else common man own? An Introduction to Alternative Investments (Jain, 2014) argue that alternative investment strategies are related to investments other than government buildings, equities and debt. This includes investments in private real estate, hedge funds and managed futures, alternative water equity disparities and real property and natural resource partnerships. In addition, the alternative investment industry is boomingit is expanding and expanding its ability to offer longterm investment strategies, attracting interest from an increasing number of investors. This paper provides an overview of some examples of alternative investments. # Traditional Investments vs. Alternative Investments (Vinay, 2010) analysed that, more options ... more flexibility ... These terms are often used to describe the benefits of multiple investments and so-called financial engineering products. But for newcomers, the first words that probably come to mind are -they are more confusing. This article is designed to determine what the future of investment in India might be? Whether Indian investors will still invest in traditional investments such as public stocks such as stocks, bonds and currencies, or will change their minds as their western counterparts in Financial Engineering Products.This paper also provides an insight into what Alternative Investing is and how the potential investor can make the most out of the most stable market environment and many other factors. Not too complicated. Not very basic. Enough information to help you ask the right questions to start using these markets for your own benefit. # The Role of Other Investments in Collective Investment (Management, 2013) stated that past performance does not guarantee future results. Diversity does not guarantee profit or prevent loss. The index is not regulated and is not available for direct investment. Investors should focus on each fund's investment objectives, risks, costs and expenses before investing. These and other details are the essence of a hope or hope. For an idea or summary of the trust, contact your Baird financial advisor or fund company directly. # Investment Management for Serious Savers (Tuchman, 2013) revels, Different investments are different from the traditional or traditional type of investment, traditional investments include stocks and bonds and the alternative investments do not include stocks, bonds and contain hedges, capital investment, private equity, fund sold, assets, cash, based finance, investment in art, antique, precious metals, gold and silver, investments in wine, stamps etc. Investments in other commodities require constantly updated information about the market, and ordinary investors do not invest in such protection. # Growth of Alternative Investment Funds in India (YADAV, 2014) analysis, This paper is a work on knowledge of the growth and viability of alternative investments in India, it officially launched in June 2012 and the author sought to know from a human perspective the new investment vehicle available in various options in India. The findings of this paper are based on a number of regression analyzes to examine the correlations between the various variables that depend on each other respectively. # Alternative Investment Method, focusing on Private equity (Leeds University Business School, n.d.) The findings of this study helped to determine the importance of management team quality, company market attractiveness, internal rate of return, growth potential, attractive product or service, and information quality found to be the most important factor in determining application funding. Further investigations indicate a lack of interaction between these processes. As a result, this paper helps contribute to the sector by directing private firms, as well as those with a desire for capital, to make better decisions about the analysis and development of equity investments. # Gold as a safe investment (C.V., 2017) analysis shows that "gold" is very popular as an investment along with other precious metals. Why is this? Luxury goods not only differentiate themselves, but also offer competitive returns compared to major monetary resources. The current research analyses gold as a 'safe investment' in the face of other investment strategies such as 'stocks and bonds' in view of its risks. Risk analysis and asset recovery in the classroom are best studied for its rigor. The current research uses the daily prices of gold, Nifty 50 stocks & Indian government bonds. To degree time series fluctuations, the generalized autoregressive terms heteroskedasticity GARCH (1,1) results indicate that the risk is 0.970124 (<1) compared to the rise in gold prices (0.956541 (<1)) and bonds (1.003183 (> 1) risk. 'Value 0.8308). Investors reported their decision to choose gold as an investment opportunity. # Contribute towards Quality Life Investment and direct investment are a great way to generate future income. Next time we are unemployed, we need a regular fund. So, every month we have to save the right amount of wealth development and invest this savings in other investments every month so that the corpus can grow faster. First we need to understand the effectiveness of the investment because it only determines our end and how to achieve the required corpus at the right time. ? Safe planting ? Investing in risk ? Risk Investment We can choose by age. As we grow older, our ability to take risks decreases. We have to figure out what kind of investment is free, and sometimes investing in risky investment options can create psychological distress. All three types of investments offer different types of returns. The greater the risk, the greater the return. When we started investing at an early age, the risky investment option is the best one because we've lost some money. # Safe planting Secure investments are those that can be invested where the returns are low but the investment is secure. At the end of the investment period you will receive a refundable investment and a safe investment where the returns are very high. A little sum beginning from Rs 500 / -can too be contributed in secured venture plans. There are few safe investment options such as under which the investment is almost protected. There are few speculation plans such as PPF, PF where constrained stores can be distributed and few are open to restricted speculation. In our monthly income we are able to contribute a certain sum of money and some of the money can be invested in programs where unlimited savings can be invested. # Investing in risk Medium risk investing where there is less risk but it yields higher returns than safe investment options. ? Mutual Fund -They are less risky than investing directly to the stock market. In mutual funds, fund managers invest in thousands of shares and the average income they distribute to mutual fund investors. ? Small Bank Deposits -Most small and cooperative banks offer high interest rates on fixed deposits. It is safe to a certain degree based on the performance of the bank. Before investing in small banks you should check the credentials and invest a certain amount in these banks. ? Corporate Bonds -Most large companies sell their bonds to raise funds to invest in their businesses. These bonds offer high interest rates for a fixed period. Before investing in corporate bonds, one must check the credibility, credibility, performance and most importantly, the rating of the company. However, these are precautionary measures that can reduce risk. # Risk Investments Risk investing is where risk is huge, but it can generate the best returns and increase investment very changes in shares and liabilities. The high correlation between the international stock market and the international bond markets, particularly the fluctuating market cycles, leads to the risk (and potential return) of secure portfolio investments and the adoption of futures accepted in most of the traditional real estate market. In addition, individual investment vehicles should be replaced with other futures / futures regulated and hedge fund products to achieve maximum risk and return on the benefit of other investment products. However, the interest rate depends on the nature of the current market and the level of the natural market. quickly, but at the same time the entire investment is also at risk. ? Stock Market -The stock market is one of the most expensive options, but at the same time the chances of making money are very high. The stock market offers intraday trading and general trading. Stocks can be traded and traded on the same day in intraday trading. Shares can be bought and kept in the general trade and sold in the future. The stock can be purchased in demat form by opening a demat account. Banks or Shares, Banks or Institutions that operate in commercials such as Motilal Oswal. The stock market is out of our control, so investing money is at greater risk, which can hinder our hard-earned money. Money. It is therefore recommended to invest in limited amounts. ? Lending to a person -We can lend to a reputable person or friends who can timely repay the money with an agreed interest. Since these types of loans are short-term, the returns are high, but most of the time the loans are lent without documentation. Most business people in the business market are looking for such a loan on a short-term basis that they use for their business. If we have reliable people looking for this type of loan, then we can offer 3-4 times the best interest in bank interest. Creating the basis of such a group will yield the best returns. But money is always in danger. So you can invest less. ? Investing in Other Businesses -Most people have a good business idea that can make a good profit but there is no money to invest. If we invest in their venture, it will be very profitable. Profit sharing conditions should be determined at an early stage and should be properly documented so as to minimize risk. ? Start your own business -To start your own business requires investment and your time. Businesses are a little risky because we need to invest early and we need more investment to meet the monthly overhead in a few months. In business we usually invest well at an early stage to meet monthly overheads. Once there, quitting will lose some of your bug money. Therefore, for those who start a business, the total risk can be determined when a failure occurs. Most of us should see that investment is good because most of us are desperate to lose money. A secure investment or medium hazard investment choice is the most excellent alternative if you are not comfortable. Compounding a safe investment interest over a long period of time, such as 20-25 years, creates a good amount of funds for financial freedom. It gives us mental peace. # Golden Rule of Investing in Right Direction Investment is not sustainable. There is a big difference between savings and investment. The short term is that as long as you want to earn money for a few days, a few months, or for many years, it is economical to keep it safe. Depending on where you are investing, you may not be interested and it is up to you in the event of an emergency or purpose. Investing is the process of using your money to do your job. If done correctly, it can make you more money than interest earned on a good account, saving interest or a certificate of deposit. But with reward comes risk. Even if you make bad decisions when things go wrong with your control, you lose money. It may not be for you in an emergency. If you remember that "you can never invest what you lose" and that the law is not broken, you should not worry about eating a cat during retirement or when you lose your job or become ill. It's too bad to be there. Investing is worse than investing before earning your savings, you have to fulfill some obligations, which can be very damaging. It is a natural tendency for a person to run away, make more money than buy, and then give away and shout for more money. This practice is often abandoned; A man who loves money. She hopes the problems with the jackpot will end. Most poor people play the lottery, but most managers don't put their money on tickets. You just don't see your portfolio as an Eagle. There are many portfolios -your emergency cash, your insurance, your retirement accounts, your real estate, and the professional skills you need to have money to get started and to start when you lose your job. You can prevent the damage we call a refrigerator problem by keeping the clock in great trouble. The same people who spend many weeks reading consumer report ratings on a new stove or other refrigerator can sometimes put all their money in stock or other money, without real money. Your first priority should always be to avoid a major loss: ? Don't be greedy ? be patient IV. # Conclusion Every investment is risk-related. Its presence and diversification among the various types of investments is one of the leading trends in the formation of the capital market. Risk has also led to the emergence and development of alternative investments. The increased volatility of this market segment is also influenced by the occasional financial crisis, which was the result of a volatility that will allow for the conversion of the investment portfolio and may also provide opportunities for profitability, even when the price drops. Differential investments are an effective tool for risk diversification, however, they are not suitable for all investors. Alternative investments offer small investors and institutions the opportunity to diversify their portfolio. Instead of relying solely on money, stocks, bonds, and consumer-dependent investments, investors can also make good money using these other classes of assets. However, each of these investments has its own risk level, which investors should be aware of. ![An Alternative Investment Strategy for Common Man": Invest the Saving in Right Direction](image-2.png """) included in a larger size portfolio. Until this randomselection scenario is completed, the purpose ofcreating a very different portfolio will be affected, asyou have distorted one option or one of youroptions.? Basic product indicator options for investment haverecently attracted attention-related to capitalexpenditures such as full market liquidity and full-market marketing, as well as experienced investortalk about the pros and cons of industry andfinancial journals. A kind of understanding. Stockmarket related ETFs. The basic criteria of the "new"indicator depend on various measures, such as thecompany's financial impact, earnings, dividends,book value,Diversified Fund Portfolio(What is a highly diversified investmentportfolio?) An entirely different portfolio impliesbalancing social security markets.? Methods for the construction of various differentportfolios should not be optional in one decision oranother -if you don't buy the entire global marketwith a wallet or virtual bag, your low-quality whole-market set of random options may be the same. Asa "dumping duck" on the weight saving page. Thismeans that each security has the potential to be © 2020 Global Journals "An Alternative Investment Strategy for Common Man": Invest the Saving in Right Direction * SJain An Introduction to Alternative Investments. SSRN 2014. march 13 13 * BPManagement The Role of Alternative Investments in a Diversified Investment Portfolio 2013 * Investment Mahangement for Serious Savers Tuchman 2013. 2013 * Growth of Alternative Investment Funds in India CYadav International Journal for Research in Management and Pharmacy 2014, july * Alternative Investments in the Institutional Portfolio TSchneeweis * A STUDY ON GOLD AS A SAFER INVESTMENT ALTERNATIVE AMONG SMALL AND MEDIUM INVESTORS WITH SPECIAL REFERENCE TO KOZHIKODE DISTRICT CV S Internatinal Journal of research -Granthaalayah 2017 * What is a Well-Diversified Investment Portfolio? (n.d.). Retrieved from Personal Financial Planing