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Which are Best Investment Options in India for 2019?
Where I should invest my money for getting better returns?
These best money investment options some common questions popping up in investors mind.
In this post, I will try to answer these questions.
How to Find Best Investment Options?
How to Find Best Investment Options?
Which one is the best investment option as per you?
Well, an answer to this question varies based on person to person.
Take a quick break of two-minute and answer one simple question.
Which one is the best investment option as best money investment options you?
Whatever be your choice one thing is sure that while making a choice you must have considered your goal, expected returns, investment horizon, and associated risk factors.
So, in order to more pcie slots out the best investment options for yourself, you need to consider the following factors.
Also Read — 1.
The financial goal means the purpose of investment.
Some examples are retirement corpus, children education, buying a house, etc.
Once you decide your goal you need to find out the investment required for every goal.
Once you have this information on your hand it is very easy to select an investment option.
You want money in the short term or your goal is far away and you can stay invested for a couple of go here />Remember the best investment options for the shorter duration is different compared to the long term.
The risk-taking ability and capacity to withstand losses differ from person to person.
read more you are in the middle age or retirement age your risk taking capacity might be lower.
Bank Fixed deposit offers moderate returns.
You can expect 6.
Fixed deposit is available in cumulative and non-cumulative options.
The interest income is taxable.
If you are in the highest tax bracket, the post-tax return will be very low.
Expected Returns — 6.
PPF is safe and secure investment options and more pcie slots preferred by salaried people.
The return from public provident fund is completely tax-free.
However, PPF has lock in period of 15 years.
If you are looking for long term investment option you can invest in PPF.
Expected Returns — 7.
This is mainly due to tax benefits.
NPS offers two choices.
Under Auto, the funds get automatically invested in various assets, whereas in Active investor need to make the choices.
The Lock in period in NPS depends upon age best money investment options investor.
Expected Returns — 9 to 11% Time Duration — Long Term Risk — Moderate 4 Tax Saving Deposit Tax Saving FD is another best investment option for salaried.
Tax saving FD offers moderate returns.
However it is considered as one of the safest option for investment.
Tax Saving FD comes with lock-in period of 5 years.
Expected Returns — 7.
ELSS offers higher returns compared to other tax saving instruments.
You can invest in ELSS via SIP route with minimum monthly SIP of Rs.
Lock-in period of ELSS is 3 years.
Expected Returns — 11-13% Time Duration — 3 Years Risk — Moderate 6 VPF A salaried people can also invest in EPF via Voluntary Provident Fund.
VPF is an extension of the EPF.
It is safe investment option.
Withdrawal from EPF is allowed under various conditions.
Expected Returns — 8.
Invest in stock market if you are comfortable losing as much as 50% of your capital.
A stock market investment require lot of knowledge.
You need to analyse stock thoroughly before making investment.
You can take help of stock market expert for identifying best stock for investment.
Expected Returns — 6-15% Time Duration — Long to Medium Term Risk — High 8 Mutual Funds Equity Mutual Fund is comparatively safe and convenient way of investing in equity stock market.
Mutual Fund generate higher returns in the long run.
You can invest via SIP or lump sum in equity mutual funds.
Minimum monthly SIP in mutual fund is Rs.
Expected Returns — 9-15% Time Duration — Long to Medium Term Risk — High 9 Initial Public Offer Initial Public Offer IPO is high risk high return investment option.
The best part is your money will remain block for 7 to 15 days.
A good IPO can fetch very good returns at the long run.
You have to be careful in making selection of IPO, otherwise you are likely to lose money.
Expected Returns — 10-20% Time Duration — Long Term Risk — High 10 Real Estate Commercial Commercial real estate property provide capital appreciation and rental income both.
This option is likely to provide higher capital appreciation due to growing demand of office space.
Investment required under this option is very high.
You need to be careful in selecting location, building quality, market space rent and supply demand while investing in commercial property.
Expected Returns — 12% Time Duration — Long Term Risk — High 11 Gold Gold yellow shining metal is considered as safe heaven by many investors.
In last few years, gold has given consistent returns to the investors.
If you are planning to invest your money in gold, it is recommended to invest via Gold ETF or gold bonds.
Expected Returns — 10% Time Duration — Medium to Long Term Risk — Moderate 12 Company Fixed Deposit Company Fixed Deposit is one of the very good investment option for high risk investor.
Company FD provides higher returns compared to bank FDs.
You need to be careful in making selection of company fixed deposit.
Make sure to check rating and past performance history before selection.
Expected Returns — 10% Time Duration — Medium to Long Term Risk — High Short Term Best Investment Options in India 13 Liquid Mutual Funds Liquid Mutual fund is low visit web page investment option.
It is short term investment option and provide higher liquidity.
These type of mutual fund invests your money in bank FD, T-bills, commercial papers etc.
Expected Returns — 6.
The return generated by recurring deposit is almost same as that of fixed deposit.
Expected Returns — 7% Time Duration — 3 Years Risk — Low 15 Ultra Short Term Debt Mutual Funds Ultra Short Term Debt Mutual fund is debt mutual fund.
Ultra short term debt mutual fund invests in fixed income instruments with liquidity and short term maturities.
Ultra Short Term Debt Mutual Fund is one of the best investment option for shorter duration.
Expected Returns — 7-9% Time Duration — Short Term Risk — Low 16 Monthly Income Scheme Post office Monthly Income Scheme of post office is one of the safest investment option.
If you are looking for regular monthly income you can plan to invest in MIS.
It is popular investment option for retired or old age person.
Expected Returns — 7.
The expense ratio of direct mutual fund is very low.
You can invest in direct mutual funds via CAMs or other mutual fund platforms.
Expected Returns — 16-18% Time Duration — 5 years Risk — Moderate 18 Real Estate Residential Real Estate investment is another long term investment option.
If you have surplus money you can invest in residential real estate property.
You can get rental income as well as benefit of capital appreciation.
Expected Returns — 11% Time Duration more pcie slots Long Term Risk — High 19 Blue Chip Stocks Investment in blue-chip stocks is one of my favorite investment options.
You can invest in blue-chip stocks for a longer duration.
This option is likely to give you higher returns.
Blue Chip stocks pay a regular dividend as well as provide capital appreciation.
If you have surplus money it is highly advisable to invest in blue-chip stocks.
Expected Returns — 12-18% Time Duration — Long Term Risk — High Over to you — Which are best investment options as per you?
Do share your queries and experience in the comment section given below.
Article by Raviraj is the man behind moneyexcel.
He is graduate in finance, engaged in blogging since 7 years.
Moneyexcel blog is ranked as best money investment options of the Top 10 Personal Finance Blog in India.
He is not affiliated with any financial product, service provider, agent or broker.
The purpose of this blog is to spread financial awareness and help people in achieving excellence for money.
These should not be construed as investment advice or legal opinion.
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Top 10 Options/Types For Investment (hindi)
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