Always be on a Safer Side!

Wealth is to be maintained, Which is as always difficult. 


Are you expecting a high return than bank savings? Cascade Headway offering you an investment idea based on your judgment and decision. Are you the person who wants to return as well as owning the professionals in Cascade headway guide you to the right end. Inversely you are not willing to take the risk but need an investment return than bank FD, the bond will be your solution. With our know-how, we will guide you to invest in high-yielding interest bonds...

Investing Future

Investing in Shares:

When you invest, you are giving your money to a company or enterprise, hoping that it will be successful and pay you back with even more money. On the other hand, if you are saving for a short-term goal, five years or less, you don’t want to choose risky investments, because when it’s time to sell, you may have to take a loss. Since investments often move up and down in value rapidly, you want to make sure that you can wait and sell at the best possible time. Think of the various types of investments as tools that can help you achieve your financial goals. Each broad investment type from bank products to stocks and bonds has its own general set of features, risk factors, and ways in which they can be used by investors. You take your time and make a careful decision. Only time will tell if you made the right choice.

Are you the type of person who will read as much as possible about potential investments and ask questions about them? If so, maybe you don’t need investment advice. But if you’re busy with your job, your children, or other responsibilities, or feel you don’t know enough about investing on your own, then you may need professional investment advice. Investing makes it possible for your money to work for you. In a sense, your money has become your employee, and that makes you the boss.

 various types of investments are;

  • ·         Stocks

  • ·         Bonds

  • ·         Mutual Funds and ETFs

  • ·         Bank Products

  • ·         Options

  • ·         Annuities

  • ·         Retirement

  • ·         Saving for Education

  • ·         Alternative and Complex Products

  • ·         Initial Coin Offerings and Cryptocurrencies

  • ·         Commodity Futures

  • ·         Security Futures

  • ·         Insurance

For instance, if you are saving for retirement, and you have 35 years before you retire, you may want to consider the riskier investment products, knowing that if you stick to only the “savings” products or less risky investment products, your money will grow too slowly—or, given inflation and taxes, you may lose the purchasing power of your money. A frequent mistake people make is putting the money they will not need for a very long time in investments that pay a low amount of interest.

Owing Future

Debt Security:

It’s easy to forget how much you’ve charged on your credit card. Every time you use a credit card, write down how much you have spent and figure out how much you’ll have to pay that month. If you know you won’t be able to pay your balance in full, try to figure out how much you can pay each month and how long it’ll take to pay the balance in full. If you’ve got unpaid balances on several credit cards, you should first pay down the card that charges the highest rate. Pay as much as you can toward that debt each month until your balance is once again zero, while still paying the minimum on your other cards. Most credit cards charge high-interest rates—as much as 18 percent or more—if you don’t pay off your balance in full each month. If you owe money on your credit cards, the wisest thing you can do is pay off the balance in full as quickly as possible. Virtually no investment will give you the high returns you’ll need to keep pace with an 18 percent interest charge. That’s why you’re better off eliminating all credit card debt before investing in savings. Once you’ve paid off your credit cards, you can budget your money and begin to save and invest. The same advice goes for any other high-interest debt (about 8% or above) which does not offer the tax advantages of, for example; a mortgage. Now, once you have paid off those credit cards and begun to set aside some money to save and invest, what are your choices?

There are basically two ways to make money.


i)You work for money: Someone pays you to work for them or you have your own business.

ii) Your money works for you: You take your money and you save or invest it.

When your money goes to work, it may earn a steady paycheck. Someone pays you to use your money for a period of time. When you get your money back, you get it back plus “interest.” Or, if you buy stock in a company that pays “dividends” to shareholders, the company may pay you a portion of its earnings regularly. Your money can make an “income,” just like you. You can make more money when you and your money work. But all investments involve taking on risks.

Risk: It’s important that you go into any investment in stocks, bonds, or mutual funds with a full understanding that you could lose some or all of your money in any one investment. It is often said that the greater the risk, the greater the potential reward in investing, but taking on unnecessary risk is often avoidable. Investors best protect themselves against risk by spreading their money among various investments, hoping that if one investment loses money, the other investments will more than makeup for those losses. This strategy, called “diversification,” can be neatly summed up as, “Don’t put all your eggs in one basket.”

Planning Future

Investing at the right time:

Identifying financial goals and converting them through building a plan. Investment planning is the main component of financial planning. Investment planning begins with the identification of goals and objectives. Then we need to match those goals with our available financial resources. Nowadays there are many investment areas to invest in, most common being cash, equities, bonds, and property. So according to the funds available, we can invest in these areas to obtain our goals and objectives. Before investing in any investment vehicle, solid investment planning is required. If we do not plan then all our investments will turn into a mess. Planning is a very important step before investing. There are certain benefits of investment planning which leads to a smart investment, it makes our financial life better. Benefits arise from; Security, Manage income, Savings, and the Standard of living.

A solid and precise investing plan is needed for every investment, building it is a vital point also. Our experts will guide how to build a good investment from;

  1. Your Savings

  2. Your Goals

  3. Your Risk

  4. Your Options

  5. Your Portfolio

Savings: As soon as we are employed we should start saving. Whatever our salary is we should not spend all of it and start saving for our retirement and unforeseen emergencies. There can be many unforeseen emergencies in our life such as life-threatening diseases for which saving are important. We should also determine how much to keep aside every month for our savings. Some of the investment products require a very little amount to save. So even if we have less money to save, we should not worry about it.                              


Goals: Our goals can be saving for a vacation or buying some gadget which we really want to own. This can be termed as a short-term goal as the saving is required for this is less than twelve months. Payment of home loan requires 3-4 years of sayings and it can be categorized as a medium-term goal. Long-term goals include child education and marriage. Identifying and setting our goals is an important step in investment planning. It should be well defined by adding some value to it. We should have clarity about the goals which we wish to achieve. Different goals require different investment planning like:

  • For retirement: Retirement planning is a long-term goal. Retirement planning requires investing in health care insurance and other types of insurances.

  • For child education: After becoming a parent, one should start planning for their child’s future as nowadays education has become very expensive. One should invest in comprehensive health and education plans.

  • For child higher education: For this goal, one should start investing in a combination of mutual funds through SIP with equity and debt exposure.

  • For child marriage: Since it is a long-term goal one can take a little more risk in the terms of choosing a mutual fund.

  • For buying a house: Buying a house requires a huge investment and one should be financially ready for making such a huge investment.

  • For creating an emergency fund: One should always invest in the liquid fund for creating a liquid fund. As it is an emergency fund, one can take out money when required in an emergency.


Risk: If we have just started earning then our risk-taking appetite is very less. We should invest in those investment vehicles which has less like fixed deposits. For people who have ample money to save, their risk-taking appetite is more. They should invest in those investment products which have higher risks like investing in index stocks or mutual funds. The risk-taking analysis is a very important step in investment planning. One should also go through all the risks associated with the investment vehicles before investing in them.


Options: Before we start investing in we need to learn about all the investment options available in the financial market. We need to go through all the investment vehicles such as stocks, bonds, gold, real estate, life insurance etch, and compare the rate of returns and risks associated with it. Nowadays there are many online websites where we can learn about all types of investment vehicles and also compare the rate of return and risk associated with it. It will help us in putting our money in the investment vehicle according to our financial condition and risk-taking appetite. This will also help in not falling into the traps which are created by the middlemen who gain a commission by selling investment products like life insurance. When we have enough knowledge about it we can select and buy our own. This is an important step of investment planning.

Portfolio: The most important step in investment planning is implementing the portfolio plan. After we implement our portfolio plan the management process begins. It is necessary to monitor the investment performance regularly, mostly quarterly, and review the portfolio plan annually. The investor’s goals and situations should be reviewed once a year to determine whether there are any significant changes. The main purpose of reviewing the portfolio is to determine whether the investment is aligned with the investor’s goals. This may be considered as the last step in investment planning.