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10 best Investment options in India 2018

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People invest for a range of reasons. Whereas some invest to fulfill their children’s academic expenses, others do so to fund their post-retirement life. However, the key aim for all is to achieve monetary stability over the long-run. The typical mentality of most of the people is that you simply need to work a lot to earn more. Unsurprisingly, the cash would be of no use if you have got no time to get pleasure from it. Work can’t be cloned. a lot of work ends up in extended operating hours and less time for you and your family. The secret is to invest wisely. And talking of investments, here are the most effective choices that you simply can follow.

Two ways of Investment options by which your money can work for you

·         Money earns Money: This is a simple and well-known idea for getting more money. You can simply give money to use it only for a pre-defined time. That money will surely come back with a high interest. It’s the simplest and most informal type of investment options mostly people use to earn more and more money.

·         Buying something that could increase in value: Suppose you are an owner of something like a land or gold, etc for which you will hope that its value will increase with time. At the time you need money; you can sell your thing and get the money along with profit.

There are numerous different types of short term and long term investments options available in the market in India like mutual funds, equity shares, stocks bank, fixed deposits and much more. A person can opt any investment options which are most appropriate as per their needs and budget.

 

Without being distracting on other topics lets me tell you the best Investment options:



·     Equity linked savings scheme (ELSS): If you want to save taxes and also wanted to grow your money, then ELSS is one of the best Investment options for you. Invest in the top ELSS funds where the return could be somehow near to 12%, whereas PPFs and other tax saving policies will only bring you about 8% returns. Investors who can take restricted risks, however, expect to pocket high returns over the long-term, should go for ELSS.



·        ·     Mutual funds: Those who need a balanced mixture of risk and returns usually prefer mutual funds. Investment within the capital market has burgeoned in recent years via mutual funds. The systematic investment set up (SIP) mode of investment has become especially widespread and offers far better returns than any other Investment options. It helps build a staggered portfolio over a long-run and is the ideal investment vehicle for small investors. You can, of course, invest in lumpsum. However most of the people usually don’t have enough cash to form a one-time investment. SIP helps in riding market instability because you invest frequently. A SIP may be started with as very little as 500 each month.
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c    Also Read: Banks provide best saving account offers 


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·     Public Provident Fund (PPF): Investment in PPFs is probably the most effective and  
most secure choice to generate wealth over the long-run. What more, the returns are entirely tax free. You’ll be able to open a PPF account in any nationalized or private bank or your nearest post office. The minimum annual investment is 500 whereas the utmost is 1,50,000. The cash invested in a PPF scheme is keyed for fifteen years and you earn compound interest on that. You’ll be able to extend the investment time during a block of 5 years. The lock-in time is the only negative factor about having a PPF account. However, you will partially withdraw the money at the end of the sixth year. You’ll be able to additionally take a loan against your PPF balance.

·        ·     Investing in stocks: If you have a young age and if you are open to take risks, then the stock market is the best Investment options for you. But remember one thing, you must do your homework regarding which stock to invest, or you can take help from professional. You should invest for a longer duration of time and in good companies which run by a strong management. You also need to have a verified demat account to invest in shares.

·        ·     Company fixed deposits (FDs): These are far better as compared to bank fixed deposits (FDs) because they yield a higher interest rate as compared to banks. You have to pick out the investment amount carefully because you can’t withdraw the money before maturity. Company FDs carry no insurance advantages and aren't monitored by the RBI. Still, they're among the most effective investment options in India. They have a numerous amount of risk. Investment in smart firms with an established track record can serve your investment goals.

·       ·     Real Estate: The real estate sector remains one amongst the most attractive investment options, even when being hit rigorous by last year’s demonetization scheme. There are vast prospects within the leading sectors like industrial, housing, manufacturing, hospitality, retail, etc. The value of the property usually rises every six months and you'll be able to invest in a plot of land or flat. Real estate investments carry low risk as compared to any other investment options.

·        ·     Post office savings: It’s one amongst the safest investment instruments in India and offers the best and safe outcomes or returns. The post office monthly income scheme is much more appropriate for retired persons who need a regular income. You’ll be able to park your provident fund money in a post office with completely no risk. However, the interest rate is low as compared to mutual funds, etc.

·        ·     Unit Linked Insurance Plans (ULIP):  These plans invest in both i.e. equity and debt market. Instability is counted by the net asset value of the ULIP. However, it plays a significant role in the investment market.




   Also Read: Best Saving Account offers           


   ·     Initial Public offering (IPO): IPOs, in a sense, are once during a lifespan opportunity. It happens only one time for every company. If an initial public offering is launched by a reputed company then the stock price is almost guaranteed to rise during listing. You’ll be able to pocket a good amount by selling your stocks and can additionally stay invested for a long term. However there are some risks although, and lack of knowledge is one amongst them.

·        ·     Bonds: If you are feeling uncomfortable to invest in the equity market and mutual funds, then you should invest in bonds. There are many good bonds in the market that offer a high returns on investment. Bonds are regulated by the government of India. A 10-year bond generally offers 8% rate of interest. Bonds, again, are a long-term investment to make wealth over time.
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List of Investment options in India 2018


Type of Scheme
Maximum Investment Amount
Minimum Investment Amount
Maturity
Gold ETF
No max. limit
Not Fixed
N/A
Real Estate
No max. limit
No min. limit
N/A
Public Provident Fund
Rs 1.5 lakhs/ year
Rs 500
15 years
Bonds
No max. limit
Not Fixed
Variable
ULIP
No max. limit
Rs 1 lakh
45 years
Post Office Schemes
Rs 4.5 lakhs
Rs 1500
5 years
Equity Shares
No max. limit
Decided by the company
N/A
Mutual Fund
No max. limit
Rs.500
Lock in period is applicable only to close-ended funds

So friends, today I have told you about different types of investment options in India. I hope you guys liked this article. And if you have any other information related to it, then please share it with usYour valuable feedback shall be much appreciated. Stay tuned for information about such an interesting subject and keep reading our articles.

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