PC. Chhabra, Executive Director, Sanskriti University

Prakash Chhabra has been working as Executive Director with Sanskriti Group since 2012. He began his career with Syndicate Bank as a PO and rose to the level of Chief Manager and has thereon successfully risen by handling multidimensional assignments. Prakash Chhabra also worked as Circle Head, Delhi with a private sector bank. On joining an educational institution, he has been heading all the primary functions in the education sector at various points in time. Before joining Sanskriti, he was associated with Tecnia Institute of Advanced Studies as a Professor and Director. He has a strong sense of business development and is a professional with a CFA and MBA (Finance) focused on Banking, Corporate, Finance, and Securities analysis from ICFAI.


Catch them young is a phrase which means that good habits be inculcated at a young age so that they last long. Apart from Idea of practical knowledge for students it is good  to start investing early and for a longer duration would help them manage their finances better, in future. Early Investing also allows them to take small and calculated risks without fear of affecting their livelihoods and future planning. College going students are young and dynamic and college is actually one of the best opportunities to get started in the world of Investing.

The Hardest part of starting to invest is beginning to think of yourself as an investor because due to lack of knowledge many people belive  that investment options are only open to the working class, and Wealthy Society. But in reality, especially college-goers, can be the best investors because they have several advantages.

While most youngsters in India are hesitating from investing, considering that they have no other financial burden, investment is a handy option to get richer at a later stage. In the investing world even a little bit of cash can be used to begin  build a portfolio. It can actually be an advantage because in the initial stage you’ll be learning how to invest and deal without the risk of losing a large sum of money.

After studies make sure you start your life on the right financial foot by treating your financial future seriously while you’re still in college.  To help youngsters who aspire to invest but lack the knowledge, here are a few tips to help them make good use of their pocket money and stipends wisely.

Elucidate basic difference between savings and investing:  It is important for students to understand that while saving is the safe way to go which offers lower returns, investing in small increments allows the money to grow itself and offers potential to get high Return.

Hold on to money: As we all know youngsters have a craze to spend all their money, considering they have a constant supply of cash. But if students are willing to make an effort to save up a portion of their money and invest, all they need to do is open a brokerage account for stock investments and day trading. After Investing you will not reap the benefits instantly, investing in shares of a company is a good way to aim for long-term returns.

Explicate basic concepts:  Investing allows a diverse financial portfolio. So it is necessary to teach students the basic concepts of Investing such as stocks, Mutual Funds NSE, Equity and BSE, others. Helping with these basic concepts of different variations will empower them with more new options and choices.

Keep an Eye on background research: following background research is one of most important guidelines that college-goers and young investors need to learn. There are reasonable risks involved in managing investments, before diving in to invest one must do their own background research. For beginners and youngsters need to check how the company in which they plan to invest has performed on a yearly and quarterly basis. Companies’ past performances can’t dictate future results but provide an overview of the firm’s future curve. You can even watch out almost all top business news channels which provide the brief of new market Trends.

Go for low-risk investment options: Try to Invest in low-risk options: when it comes to investment often, we said calculation is the key to success. For young or college -goers’ investors is quite beneficiary for them to invest in stocks and mutual funds, low-risk options should be considered so they don’t end up losing more money because stock market involve risk. Planning before investing in any stock market is must to get a descent return. According to experts’ youngsters need to go for long-term investment.

Never get carried away: While stepping in the world of Stock Market you must understand that it’s a vulnerable yet addictive place. You should never get carried away after brief success. Brokers often end up with requests but you have to remember that the final authority lies with you to invest in any scheme.

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