INVESTMENT PLANNING FOR FYR 2020 ( COVID -19 CRISIS AND ITS IMPACT ON EARNINGS ) "An investment in knowledge pays the best interest." And When it comes to investing , nothing will pay off more than educating yourself .” Lets understand the impact of crisis on our Earnings in this Article. While talking about “INVESTMENT”, we cannot detach the word “EARNINGS” from it. Hence the words Investment and Earnings are always interlinked. We can categories the INVESTMENTS based upon the risk bearing capacity of the individual as follows: a) Risk Free Investments b) Moderate to high Risk Investments RISK FREE INVESTMENTS: Over the period of time we have witnessed the fall in interest rate on Normal Investments like Saving account , Fixed Deposits , PF, PPF , NSC, KVP, SSY etc as the control over the same is monitored by the financial institutions under the garb of Reserve bank of India and its policy decisions, Repo, Reverse Repo and var