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INVESTMENT RISK & GROWTH

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R K Mohapatra is one of the best-known Indian Authors in personal financial and retirement planning books for all. He is the author of two books. His bestselling second edition book, "Investment Risk & Growth - A guide for investors about investment vehicles" enables an idea about the investments, investment products & individual financial goals, published by BlueRose on 28th July 2017. It also reflects an investor's capability in managing their hard earned money, carefully.
Investment Risk & Growth: A guide to investors about investment products, author R K Mohapatra- the Joint GM of IRCON- reveals why common man invest in conventional instruments instead of equity, land, gold and mutual funds. Cost effectiveness of investment products and its returns give an idea to the investors to invest in goal base risk averse investment instruments.
Along the way, the author Mohapatra skilfully outlines all the investment avenues with best examples, which helps investor to invest the right product at the right time in the right place.
He won the 32nd Dr. S. Radha Krishnan Memorial National Media Network Awards-2016, as 'the Eminent Author' for his meticulous bestselling book, "Retirement Planning - A simple guide for individuals" in New Delhi. The book explains, with concise and concrete examples, which can help an individual understand about the pre-retirement stage (accumulation period), preservation stage and post-retirement stage (distribution period).
"Every individual has potential to take meaningful decisions. Focus on specific goal and achieve it in time."

141 pages, Kindle Edition

First published April 22, 2013

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Displaying 1 - 30 of 30 reviews
Profile Image for R.K. Mohapatra.
Author 7 books23 followers
February 14, 2020
There is no definite way to educate others about investment products available in the market. Each of us has different paths while investing in financial instruments for the achievement of the desired goal in our life. It varies from person to person, place to place and market to market.

Each of us will draw different approaches and gateways to begin our personal financial planning consciously and unconsciously. We also sometimes share our views with financial advisers and get a better experience of ourselves. Even though we may not know all the possibility of risk and rewards in investment still we belief certain philosophies and principles of our economy and try to best utilized our hard-earned money in this market.

For those who come without a financial background, they may not even know the pros and cons of an investment. For them, this book enables an idea about investments, financial goal and also about the investment products, which are available in the market.

This book consists of six chapters along with examples to reflect an investor’s perspective on handling his or her hard-earned money carefully through proper investment planning. This book is meant to enlighten readers on how to invest, in what to invest, and where to get started. You can get your desired goal by making a road map of your investment and choosing the right product at the right time and in the right place.

The book is available for India’s best online shopping site of Amazon.com & Amazon .in.

Shop Paperback in Amazon.in:
https://www.amazon.in/dp/B074H5T3ZG/r...

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The book reviewed by Dailyexcelsior, Jammu on 26.07.2013 is reproduced below the link may see.
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Welcome for valuable suggestions.
1 review
July 10, 2013
The book "Investment... Risk & Growth -A Guide for Investors about Investment Vehicles" is written by R.K. Mohapatra, from IRCON International Ltd, New Delhi and published in the year 2013 by Highlife Solution, New Delhi and assigned ISBN number 9788192665009 to this title. This book has described financial planning and an investment product available in the market with realistic examples which is contains 59 Pages of Paperback versions, Illustrations, Tables, and Graphs etc.
The author describes the subject of financial planning for an individual and the future growth for financial product in India in a meticulous introduction, which is enlighten readers for goal based investment in long-term as well as short –term.
This book consists of six chapters along with examples to reflect an investor’s perspective on managing his or her hard-earned money carefully through proper investment planning. It is need today to know pros and cons of risk and rewards for an investment as uncertainty prevails at every moments in the market. This book will definitely impact in readers mind and shows a path how to invest, in what to invest, and where to get started. One can take the advantage of every area of his / her life when his / her personal finances, investments and taxation are properly planned.
No one has time to read the long pages of book on date. For them this handy book, as author describes in preface, guides like a friend, a consultant and an advisor and helps us in every step of life.
ULIP is not covered in this book. Planning for post retirement also not included in this book. However, as all the investment products are available in one window on date this book is rank as 5 stars.

With B.C.

Dr Mukul Chaturvedi
1 review
July 1, 2013
This book consists of six chapters along with suitable examples to reflect an investor’s perspective on handling his or her hard-earned money carefully through proper investment planning.
The chapter-4 real estate impressed me as Author described with practical examples how an individual invest in land and building and over the period income generated through lease rent and capital gain.
It is very precise book with realistic description of investment avenues available in markets. One can easily carry it while in journey and use it in day to day life while investing in any investment products.
The fifth chapter deals with role of insurance in finance planning. The author explains with illustrative examples that how a small amount of premium on insurance will protect you as well as your family. It protects your monthly expenditure and repayment of your loan liability in your absence any unforeseen events in future. Tax laws for all investment are also described by the author at the end of the chapters.
The book is not describe the types of mutual funds and how can one invest and what is the procedure. The author could also explain about the fund portfolio, expense ratio, charges. The book was not described more about the debt fund.
Overall this book is rated five stars and help to an investor setting his/ her financial goal in long-run.
Profile Image for Abhishek Raghuvanshi.
1 review
January 6, 2014
A balanced book with illustrative examples to make the investors understand better about investment options available in indian context.

Its small size make it easier for individual to carry & refer it anywhere.

I would like to congratulate & at the same time thanks the author for such an innovative book on a important topic..,,

A elaborated version of the book would be more helpful.
1 review
August 7, 2015
This book is very helpful in enhancing my knowledge about the financial products, how to do a better financial planning, goal setting and risk involve with investment. This book has great examples which I can co-relate with my own life.
The Quotes which are given at the start of every chapter are very educating and meaningful.
I must say if a person is looking for financial planning ,wealth creation and how to get a Taxation benefit then just have a view of this book “Investment Risk and Growth”
I would appreciate the author if I can get more reading material on Investment Risk and Growth.
Profile Image for Pradeep Kumar.
1 review
May 6, 2014
It is very useful book in personal financial planning.Mr. R.K.Mohapatra, describes all financial products along with taxation laws and future planning of products in India.
Profile Image for Sujata Morab.
Author 2 books5 followers
January 3, 2018
INVESTMENT RISK & GROWTH is a guidance book on how to invest your hard earned money and grow. It shows us a way to weigh all pros and cons before deciding. All concepts are explained in a detailed and simple manner using tables, graphs and examples. This book is very beneficial for youngsters who are just starting to earn. I personally feel this book should be included in college curriculum so that students entering into the world will have proper and correct understanding of money and they are empowered to take right decisions.
1 review
February 7, 2014
Financial planning has become an integral part of human life in this uncertainty world. The relationship between building a corpus and goal setting of an individual has been a subject of acute question now-a-days. Risk and growth are the two sides of a coin. Inflation rate erode money day-by-day on fixed investment products and speculative effect of capital market create imbalance in the economy due to uncertainty in the world market. The need of a financial planner is utmost importance on date.
R.K.Mohapatra describes the subject of financial planning for an individual in this book “INVESTMENT… RISK & GROWTH-A guide for investors about investment vehicles”, which is very precise and methodical way. On the face of the book it appear that the book is reflect about the share market. I found that it is a solid and concrete financial planning for goal setting of a family.

The author assume certain returns in investment products available in the market for a period of 10-years, 15-years and 20 years along with a specific goal and analyses with a suitable examples for an individual. Lack of knowledge and awareness about the investment vehicles, insurance and taxation laws sometimes confuse an individual to set her or his goal.

The Author, R.K.Mohapatra, try to encourage personal financial planning in this handy book, which must help common man to build his/ her wealth creation and also helps to setting goal for future. One must read it and there after search the certified planner in his/ her locality before investing anything. Pay fee to the planner and acquired the skill and update technique of the investment, which will minimize your risk and maximize the return.

The book is rated as five stars.
1 review
May 29, 2014
In this practical book and analytical study of Investment products, R.K.Mohapatra, shows how easy and difficult to get the desired return in uncertain market which is hidden truths now-a -days, and also discover a world where investment show the way to achieve the desired goal of an individual in the long-run.

Practical examples almost cover all the investment avenues with pros and cons of desired return and risks. One can take the benefit of all the investment products and tax laws in his / her life when his / her personal finances and investments are properly planned in the right time, at the right place and of the right investment product. This book will give confidence and moral support to an investor while investing for long term goal. Overall rating is five stars.
Profile Image for R.K. Mohapatra.
Author 7 books23 followers
October 22, 2018
It is a very informative book in personal financing

This book explains to the readers about alternative investment strategies available in the market and it's risk and returns. You can take meaningful decision while investing your hard earned money. This is a book for all.
Profile Image for Venkitesh Mathakode.
238 reviews15 followers
December 19, 2017
Awesome book. I wish there were more like it in the genre.

How to start your investment, When to start, where the investment can be made. For the common people in India investment is the hardship and most of them don't know where to invest their hard earned money. Without proper guidance people investing money, after a period of time realize that they have made a wrong investment.

"Investment Risk and Growth "by R.K.Mohapatra is a guide for safe investment in India. This book gives various options for investments like Mutual Funds , Gold bonds, Debt instruments, Real Estate,Insurance etc.If any one investing a sum in National Saving Scheme how much he will get after a period of 6 years. What are all the risks involved while investing NSC...each step is explained detailed in this book. In page 62 a chart is given for PPF investments. A comparison of 20 years investment and how PPF will give its return after 20 years is mentioned in detail. If a person invests Rs.12500/- in PPF how much can he get after 20 Years? This chart is given nicely and explained in a simplest way.

This book is about securing your hard earned money in an efficient way. You can call this book as a "Great overview of finance".

The book is very well written and structured - examples are constantly given to improve your understanding, and all information is given at pace where readers can understand a concept thoroughly and then build upon it.

This book can make us better investors and more cautious regarding the risks involved. A few interesting principles and lessons, and that is it. Worth reading, no doubt.

Great investment... will pay off dividends.There are only opportunities and no risks in buying and reading this super text book. check it out!
Profile Image for Rahul Garg.
3 reviews
September 12, 2017
In this practical book and analytical study of Investment products, R.K.Mohapatra, shows how easy and difficult to get the desired return in uncertain market which is hidden truths now-a -days, and also discover a world where investment show the way to achieve the desired goal of an individual in the long-run.

Practical examples almost cover all the investment avenues with pros and cons of desired return and risks. Analytical study of mutual funds and importance of standard deviation, beta, alpha and Concentration Ratio are important for selection of right mutual fund products. An individual before making and investment must know its application and importance in selecting a fund for setting an objective.
One can take the benefit of all the investment products and tax laws in his / her life when his / her personal finances and investments are properly planned in the right time, at the right place and of the right investment product. This book will give confidence and moral support to an investor while investing for long term goal. Overall rating is five stars.
Profile Image for Amna Kouser.
256 reviews15 followers
November 7, 2019

Investment Risk & Growth book by R.K Mohapatra. The book is divided into seven chapters. The book is a guide for investors that how to invest, in what to invest and where to get started
The book helps you to fulfil the desired goals at the right time and in the right place and helps you to invest properly for future growth and return.
The book highlights the investment options like Gold, Gold ETF, E-Gold Investment in stocks & Shares, Mutual Fund, Real Estate, Insurance and Unit-linked Insurance,
The author explained Why to prefer the invest in Gold Etf and E-Gold instead of gold.
What is the text benefit you get in investment?
The tips, charts and calculations given in the book are helpful.
The author very well explained each concept for investment.
Overall it's a good book for investment planning.
Rating 5/5
Profile Image for Sumit Kumar.
1 review
July 27, 2013
This book describes the topic of financial planning for an individual along with future growth for financial product in India.

This book consists of six chapters along with examples to reflect an investor’s perspective on handling his or her hard-earned money carefully through proper investment planning.

This book presents an outline for portfolio management of an individual and provides insights into the strategies followed by the investment wizards of the world. This book also offers a set of guidelines for analyzing and valuing investment alternatives and techniques.

One aspect of the book that I liked on date was the author's realistic approach to writing what is effectively an investment product and the rate of return of that product on date and prediction return for future.

I also like this book as it contained all investment avenue in one window and future estimated of goal based return. It will definitely help,inspire and guide to investor today and also in future. Overall this book is rated 5.
Profile Image for Gita Madhu.
143 reviews39 followers
April 17, 2017
If only I could have accessed such a book when I was younger! However, even at this age, I find it a valuable resource to demystify the world of financial planning with the focus on investing.

Along with R.K. Mohapatra's other book, RETIREMENT PLANNING-A SIMPLE GUIDE FOR INDIVIDUALS this book would form an excellent package to gift any adult.

I look forwards to reviewing it in more detail on my blog soon.
1 review
October 16, 2013
Investment is a part of financial planning. Generally, we all do investment without any planning. This book helps us to provide a road-map about the investment product and also what is the tax implication on the return of a investment product.

In my mind it is very essential for common man. It is rated five stars.
1 review1 follower
December 9, 2015
Its a precise book for a layman to understand the financial planning in a very simple language and it will help a lot in taking the investment decisions.
466 reviews13 followers
November 15, 2019
Book Name- Investment- Risk and Growth
Author- R.K.Mohapatra
Review- Investment – Risk and Growth is complete guide for investors covering the investment cycles. Investment has always been thought of to be associated with risk though it has growth. Today is the world is dreaming of not only earning through smart ways but also spending one's earnings in smart ways where investment comes at the top of the list where we think to use money to make money. There is basic explanation at the beginning of the book to support the idea of investment which is also supported with good examples in the form of budgets displayed in tables which is very helpful as a person from non financial background can also utilize this knowledge and implement it. Based on risk and outcomes in the form of returns various investment vehicles are discussed. Based on one’s requirements investment vehicles are suggested. This book can be a good help and looked upon as a self help since it helps us to analyze situations and investment and we need not always depend on broker's suggestions and hence certain disclaimers are also given a which are insightful for those who are new in the investment world. A brief discussion on the price fluctuation is done covering indexes of BSE and comparison of gold price and the index prices are done and hence one can draw conclusions if thinking of investing in gold, gold ETF, E-gold and gold bond. It covers various investment vehicles with representation of return analysis from past years eventually helping in decision making based on previous demands trends. Stressing upon diagrams, there are amazing diagrams and graphs to visualize the trends and analyze growth and risk factors. A lot if additional information is given in the form of disclaimer and notes which is the highlight of the book. Investment vehicles like Gold, Mutual funds, Equity, Debt are divided in chapters followed by expenditure planning and calculation of returns so the book is well structured hence directly hits the target and delivers good quality of information. Previously investment was just viewed as a plan full of risk but now a days more people are getting involved in it and such books are really helpful to spread the importance of it without neglecting the parts of risk hence the reader can arrive at sorted decisions.
338 reviews12 followers
December 7, 2019
This book contains all the details you want to you about investment what are the risk and how you know when to invest where to invest. This book contains different chapters which briefly explain all the financial terms used in the companies and by an individual to earn high profit with small investment. There are certain requirements in our life from personal needs to education, property and many more. To achieve all the things proper financial plan is to be needed. This book contains seven different chapters which tells you how you should plan to get high profit, what are the risks involved when you try to do it. To achieve something high risks are needed. This book explains financial terms like bond, equity and mutual fund, insurance and many more. It helps you to calculate the amount of interest you earn by doing the steps mention in this book. For a new person who steps in the field of investment can get to know a lpt from this book. How much should be invested in the field, what steps should be taken so you always be at a profit side are all explain in this book. Once in a lifetime you will biy property or company or something related to investment. At that time this book will help you a lot focusing on the main things which will lead you to get you always wanted.
144 reviews1 follower
November 6, 2019
"Every individual has potential to take meaningful decisions. Focus on specific goal and achieve it in time."
This book is a guidance book on how to invest your money to earn profit.
Today's time earning money is easy but it's hard to grow it. Like if you are earning 40000/ month that's mean you are earning but if you earning 40000/month since 4 year's it means you are only earning not growing.
This book shows us how and where and when invest your hard money. This book shows investors capability in managing there money.
This book divided into of seven chapters like you must b heard about mutual funds, stock, Bond etc. These are some common platform to invest your money but before invest in those platform just ask some simple questions like-
do you know how to invest?
What are pros and cons?
If you know the answers then go for it but if your answer is No it mean you need a guide.
As my opinion it's a very helpful book.
All concepts are explained in a detailed with the help of tables, graphs and examples in a Lucid and easy language.
Profile Image for Niharika Srivastava.
84 reviews2 followers
Read
November 11, 2019
Being financially educated is one of the primary needs in today's time. It's rightly said that it is easier to earn money than to manage it. The book "Investment- Risk and Growth" by R.K. Mohapatra is a really handy book that sets the foundation towards financial education. The book introduces six investment vehicles with dedicated chapter for each. They include:
1. Gold, Gold ETF and E-gold
2. Equity and Mutual fund
3. Debt fund
4. Real estate
5. Insurance
6. Unit Linked Insurance Plan
The author has used a simple language with real life case studies that increases the understanding. The pros and cons of each investment vehicle is elaborately discussed in the book along with the level of risk involved in each of them. The book explains how the investment portfolio should be created in order to achieve all the short term and long term goals. Budgeting and planning are not just for the Government and corporate bodies. It is also necessary for individuals in day to day life. The book very rightly shows the track towards investment.
This book is highly recommended for the young people who are are recently out in the big world of earnings and expenditures.
Profile Image for Vishnu Baher.
84 reviews16 followers
December 14, 2019
Recommendation:- If you want learn basic and understand what investment is then definitely go for it.

compounding is 8th wonder of the world Albert 
It's a book on basic concept of investment in which include Gold, ETF, Equity, Funds, Debt, Real Estate, etc.
This is in lame language for everyone who want to understand how invest and how investment work.
i do invest since i was pursuing my Under-Graduation and my Mentor helps me a lot so this is not for me but a astounding for beginner and who want know the value of investment.


i have nothing to review this beauty but here i can share valuable key-point:-
1. A guide  for everyone whom investment feel like magic.It's not 
2. Give you basic idea how you can plan your future goals and retirement as well with example case study.
3. A book good to go if you want to understand, How  your money earn more money.
4. You get idea which option is good for you.
Profile Image for Nayna Bansal.
251 reviews11 followers
December 22, 2020
Must read to learn about investing




Book: Investment Risk & Growth: A guide for investors about investment vehicles

Author: R.K.Mohapatra

Genre: Personal Development & Self Help

Format: Kindle

Pages: 140

Rating: 4/5

 

This book helps a Common man to understand various dimensions of investment. This covers various aspects like market trend, risk-return of investment product, individual behavior as well as market behavior in different situations, the impact of inflation, macro factors and socio-economic factors which affect the return of investments. I really liked Mutual Fund Chapter. The Seven chapters in the book  are a simple guide for investment products. The topic of financial plan for individuals along with future growth of financial products in India is well explained

Must read before investing in any product. The examples and tables make it an easy read.


Profile Image for Simrin.
198 reviews7 followers
October 27, 2019
Investment Risk and Growth is a the second edition which is a guide for investors about investment vehicles. I got really benefitted by reading about the various instruments of investment. There were a well researched examples given by the author which made it really easy and simple for the readers to understand and interpret its use. There are three annexure which deal with how to calculate the monthly expenditure. The second annexure deals with PPF and third how to forecast amount of PPF. I am really happy that the book serves the purpose for all. I would like to recommend it to all the people who belong from the finance proffession it is a really great start for any person who wants to make career in investment. I would like to recommend it to banking and finance students as they would be able to use the full knowledge.
Profile Image for Amit Mamgain.
113 reviews3 followers
January 4, 2020
This book is the investment consultant you were looking for.
It talks in detail, clearing out all the basic things related to different investment vehicles from Mutua funds to gold-ETF and real estate and even the risks which affects them.
It also talked about factors to keep in mind before investing.
The author has immense knowledge in this field and has done great research in collecting data and figures from the past years.
There are graphs and tables all over the book to help us understand things better.
I also loved the cover and how the decline in the graph on the cover represents the risks in investment.
The language used is also really simple and easy to grasp even for people with non-commerce background.
I will recommend this book to you if you are interested in investment or just curious to know and learn about it.
Profile Image for Adnan.
77 reviews2 followers
November 15, 2019
Investment, risk and growth is an perfect book which will help you to take worthy financial steps. It is a guide for investors to invest their hard earned money in various investment vehicles. The author has mentioned various ways where we can invest our money and can expect great returns. It helps us to tally the pros and cons of each scheme and has various graphs and charts which give a detail explanation about the same.
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Overall loved the book, liked the way how the author has given perfect and precise details about each schemes also how we make mistakes in taking decision and how we face losses is explained and how to overcome them is mentioned as well. The book is a must read for anyone who is in finance sector, will help them a lot.
262 reviews7 followers
December 9, 2020
Useful and short read as well.

People now a days are vigilant about their money transactions especially about it's investments.
Lack of money creates insecurity in everybody’s minds. One might face anxiety, dissatisfaction, unhappiness and depression due to inequalities related to money. However, by making goal-based investments over a period of time, one can achieve the happiness of financial security.This book consists of seven chapters with examples to reflect an investor’s perspective on handling his or her hard-earned money carefully through proper investment planning.
The book contains many qoutes, stories, case studies, graphs and measures to make investments and not money wastage.
This is very useful and a short read.
Profile Image for A Silent Reader.
44 reviews
December 21, 2020
Useful book.

A detailed guide for the investments and savings. The language is simple and understandable. The book explains the market trend, risk-return of investment product, individual behavior as well as market behavior in different situations. Recommended to the people who want to invest or save.
Profile Image for Sultana Zebunnesa.
1 review
November 25, 2014
How to invest and where to investment is a crucial aspect of everybody’s mind on date. This book is really guiding to investors in manifold and makes a plan for investment where one can grow his/ her money in future without bothering the current market volatility.
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