If any kind of property is bought by spending financial resources with the aim of getting income or any return, then it is called investment. For example, if a farmer buys a tractor for the purpose of using it in the field, it is an investment made by him. By using a tractor, he was able to plow the field by himself in a short time. This reduces his costs and increases his income.

If a foreign worker buys a savings bond, that savings bond becomes an investment for him . The interest received at a certain time was the reward for him . If someone buys a share of a company, that share ownership becomes his investment . From this, he can receive dividends based on the company's profits as a return. In this way, the expenditure to create wealth for income or return is investment.

When talking about investment and returns, it is equally important to understand the concept of risk . The term risk refers to the deviation or uncertainty that may occur from the expected outcome . When making any investment, the return or the income from it can only be expected or estimated, it cannot be said with certainty that this will happen. In this way, the possibility of not getting the expected result is the risk. 

Any investment has some degree of risk . There is no return from the (idle) amount kept in the house without being used . Money doesn't grow by itself . Its value decreases over time due to inflation or price rise . For example, goods that could be bought for 100 rupees 20 years ago are definitely not available at that price now. The return on investment not only compensates for the loss due to falling value of money but also helps in generating additional income . 

But, without thinking, without getting full information, without understanding the possibility of future income or loss, the investments made on the spur of the moment will not only not give returns, but also the original money invested may sink . There are many types of investment options available in the market. Among them, you should choose the appropriate option based on your financial goals, spending priorities, various investment options, related knowledge, ability to bear risk, expected returns, etc.

How to make investment decisions ? 
- Identifying investment objectives and financial goals
- Balancing the amount needed to invest and your savings and future financial obligations or expenses. 
– consider the risks involved in investing and your ability to bear the risks. 
– thinking about what will happen to your financial situation if there is no return from the investment or if the investment sinks. 
– Determining the expected return from the investment and the time it will take to achieve it. 
– getting information about the period of return of the entire invested amount. 
– understanding the existing rules, laws and prevailing tax regime. 
– having detailed knowledge of the sector in which the investment is made. 
– All the savings you have should be diversified without investing in one place or one device  . This can reduce the risk .