Top 10 investment options in India:
Everyone wants to make investments in such a way that they get high returns early times without the risk of losing capital. This is the reason why everyone is looking for top investment plans where they can double or triple their money in few years with low or no risk. But, a high-return, low-risk combination in an investment product does not easily available in India. low-risk low reward and high-risk high rewards combination available in many sectors.
As per the above discussion, we don’t have low-risk high reward investing products, Everybody has a different risk-taking ability as per his/her past saving or current earning conditions. so that first we have to know about our risk-taking capital then we have to choose any inventing product. In India investing is divided into two-part, First Part is Finacial products and the second one is nonfinancial products.
Equity, Bond, Mutual funds, IPO and digital currency, etc are Financial products
Real State, silver, and physical gold, etc are nonfinancial products
1. Direct equity
investing in direct equity is not easy for everyone, there is no guaranty of benefit until the investor has proper knowledge and prediction of purchased equity. but always long-term investment is profitable in equity shares. to invest in Direct equity you have to a Demat account with top-class discount brokers (Upstox, Angel Broking and Zerodha, etc.). it is also very important to use stop-loss during placing any order in the stock market.
- Open Demat Account in Upstox Click Here
- Open Demat Account in Angel Broking Click Here
- Demat Account Open in Zerodha Click Here
2. Equity mutual funds
Equity mutual fund schemes are investing more than 65 % in equity stocks. As per SEBI guidelines otherwise, Equity Mutual fund can be banned. Equity mutual funds managed by company fund managers and the growth of these mutual funds growth depends on their investing skills.
Click Here to Know top Mutual Fund
3. Debt mutual funds
Debt mutual fund schemes are very good for investors who want low-risk returns. Debt mutual funds are less risky compared to equity funds. Debt mutual funds major investment in fixed-interest generating securities like government securities, and corporate bonds, etc. These are also not risk-free but comparatively low risk
4. National Pension System (NPS)
The National Pension System is a long-term retirement investment product governed by the Pension Fund Regulatory and Development Authority (PFRDA). The minimum annual contribution for an NPS account to remain active has been Rs 1,000. this is a very low-risk investment and everyone has to use this product.
Click Here for NPS Calculator
5. Public Provident Fund (PPF)
The Public Provident Fund is a very good financial investment product. PPF is compulsory for those which salary is below 21000 per month. In PPF employees and employers are contributing almost equal amounts every month. this is a long-term investment. no income tax can be charged on the interest of PPF.
Public Provident Fund (PPF) Calculator
6. Bank fixed deposit (FD)
Bank fixed deposits are a risk-free investment, where investors know the profit amount for the deposite time. but there are conditions that if an investor withdraws the amount before the maturity of the fund then they can not take benefit of additional interest.
Fixed Deposit Calculator
7. Senior Citizens’ Saving Scheme (SCSS)
This scheme for Senior Citizens only whose age is greater than 60 years. SCSS can be used by the post office and bank. Its tenure is five years and the upper investment limit is also 15 lakhs only.
Senior Citizens’ Saving Scheme (SCSS) Calculator
8- Gold and Silver
Every Indian loves to buy gold and silver. and gold and silver never give losses for long-term investment. Indian women are always looking for the same. but the growth in price of the gold is not very good in the current scenario.
Daily Gold and Silver Price
Real estate property is also is very good as per investment purpose. and every Indian dream also for their own house or land but investment is not easy in real estate. because the huge amount required to purchase and also maintenance or safety also required to save property. continuously increasing crime and fraud in this sector due to high return can be dangerous to buy.
Life insurance is also one of the favorite investment options for long-term investment for tax relaxation. Life insurance corporation of India also known as LIC is the leading insurance company in India. investment in LIC is very reliable and safe and secure. claim rate is very high in LIC. Other options are SBI Insurance, HDFC, United India Insurance, Reliance Nippon, etc are very good in this sector.
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