Start investing for any newbie is a bit challenging journey as it requires personal financial planning and investment education or financial literacy. Budgeting personal finance according to specific financial targets at a reduced risk level is the precondition going investing. Without having any personal financial planning and risk assessment before start investing can have significant drawbacks which often lead to bankruptcy. Investors should have a quick check and know-how about the investment goals, horizon and processes once decide for risking his/her investments. Financial literacy is the second most important preceding factor for potential new investors. Learning finance is like learning a new language. The investment decision is heavily dependent on the flow of information, insights, and experience which can’t be easily purchased from any shop. Investment education is not only for active investors but also for passive investors who put their money to the mutual fund managers. Picking the right fund with the right portfolio manager isn’t an easy task. Investors should go through research on active and passive investment options.