Top 10 Investment Options Available in Indiaby Tushar Singh Investment Banker
Why do people Invest? The answer to this simple question is when they are in need to attain financial security. Although in India, there are multiple investments options available today such as Mutual Funds , Fixed Deposit and many more. we really don’t know that among them, which option is the safest and secure and which would offer higher returns? In this article, we have listed down some of the best investment options to choose from to make your investment worth.
Public Provident Fund
PPF or Public Provident Fund is the safest and secure long-term investment option among all other investment options in India. Investment in PPFs is totally tax-free. When you open a PPF account in a bank or post office, the money you deposit in the account gets locked for a period of 15 years and you will earn compound interest on this locked money.
Mutual funds are yet another one of the best investment options that generate higher income. It is a common pool of money wherein the multiple investors invest in various equities, bonds, and other available market instruments. As an investor, you can buy mutual fund units in any particular scheme and these units can be cash based on your fund’s Net Asset Value (NAV).
Direct Equity or Share Purchase
Before planning to buy direct equity or share purchase, you should be aware of how to analyze a share stock. This option is considered as one of the best investment options if you are planning to invest your hard earned money for a longer duration to receive a higher rate of return.
Post Office Schemes
This option is the best when you are looking for a short-term investment plan that ensures higher returns. One of the best schemes provided by Indian Postal Service is the monthly income plan which is very suitable for retired peoples with regular income requirements.
Investing in real estate in India is considered one of the safest option by investors. Over recent years, real estate investments have gained extreme popularity. If investment made into real estate are in a planned way, it may fetch you greater returns over a period of time.
Unit Linked Insurance Plans (ULIP)
This option falls under the category of best investment option in India. The fluctuations in your investment made in ULIPs are counted by the net asset value (NAV).
Senior Citizen Saving Scheme
They are the risk-free, tax saving investment best suited for senior citizens above 60 years of age. They offer an attractive rate of return on the investment made. One can invest a maximum of Rs. 15 lakhs in this scheme.
Investment In Bonds
Investments in bonds can be one of the best investment alternatives which actually may bring you a higher rate of returns over a period of time.
Gold bonds are one of the oldest and safest investment options due to the increasing popularity among individuals. You may invest in gold options like gold deposit scheme, gold ETF and gold bars. Starting from 3 months, the investment period in golds can go up to 5-10 years as well to generate higher returns over a period of time.
Initial Public Offerings (IPO)
IPOs are one of the long term investment options with low risk. It is similar to a stock market offerings where the company invites the public to buy their shares without listing on stock exchange. Companies initially issue their shares at a low rate, then prices go up.
Additional Reading:- 6 Reasons to Invest in Fixed Deposits
Created on Jan 22nd 2019 01:36. Viewed 392 times.