26 Best Investment Options in India for 2022 with High Returns - Cash Overflow (2022)

I saved my first 10,000 rupees in 2001 when I was a student and worked part-time, playing as a DJ at wedding functions. I invested in a Fixed Deposit because my father said that FD is the safest investment option.

I realized that FD hardly provides any return when I saw my FD value not growing after 3 years. The 10,000 rupees that I had invested had increased to just 12,000 rupees. But I was expecting my investment to grow to at least Rs. 18,000 in 3 years.

I started looking at other options that can provide 2-3x returns in a few years. I discovered multi-level marketing schemes, chit funds, forex trading, betting, stock trading and safe investments like PPF, post office savings schemes and recurring deposits.

I got fascinated by stocks as I could learn analyzing business and economics. I started investing in stocks after I got my first corporate job. I made the common mistake of investing in stocks without proper knowledge and ended up losing 30% of my money within a year of investing.

After this loss, I reflected on my personal financial goals. I also read a lot of books on investing and realized that targeting unrealistic returns is foolish. Also, putting all the money in one investment is also not wise.

Then on, I started diversifying my investments across different instruments with a target return of 15% per annum.

Before you start investing, take some time to analyze your personal financial goals – your target corpus, cash flow needs, time horizon and risk appetite. Once you are clear about your goals, you can design your investment portfolio accordingly.

I have explained in my course CashCow- how to use 3 variables to design a balanced portfolio that can give more than 15% annual return.

The 3 variables are –

  • Existing investing experience
  • Return potential of investment asset
  • Associated risk

Now, let us understand a few investment fundamentals before jumping into investment selection.

How to Double Your Investment

There are no quick rich schemes that can double your money overnight. It can happen only in dreams.

But you can rely on an easy formula to estimate the amount of time taken for your money to get doubled.

The formula is the Rule of 72.

The estimated time period to double money = 72 / rate of return.

For example, if you want to calculate, in how much time will Rs. 10,000 become Rs. 20,000 by investing in an instrument that gives you an interest rate of 8%.

Then the answer would be, 72 / 8 = 9 years.

If you invest in something that gives 24% returns?

72 / 24 = 3 years only to double your investment

If someone promises to double your money in 2 years, then he is giving you 36% returns, which is unrealistic. Most likely it’s a scam.

Here is the list of the 26 best investment plans in India 2022

Best Investment Options for a Salaried Person in India

#1. Public Provident Fund (PPF)

26 Best Investment Options in India for 2022 with High Returns - Cash Overflow (1)

Apart from your regular pension contribution, investment in a PPF account can save you a lot of tax. That is because investment in PPF can be claimed as a deduction under section 80C on the IT Act.

Further, the accumulated principal and interest amount are also exempt from tax at the time of withdrawal.

What We Like

  • Higher interest rate than bank fixed deposit
  • Returns are absolutely tax free
  • Approx annual return = 7.1%
  • Time taken to double investment = 10.14 years

Concerns

  • The PPF account cannot be closed before 15 years.
  • Partial withdrawal is possible only after completion of 6 years.

#2. National Pension System (NPS)

26 Best Investment Options in India for 2022 with High Returns - Cash Overflow (2)

NPS is a pension scheme that is portable across jobs and locations. You do not have to change your fund while changing your job or city.

The additional benefit is that you get returns from equity and debt investments as compared to PPF where you invest only in the interest-earning instruments.

All your contributions up to Rs. 1.5 Lacs into Tier I capital are exempted under section 80C. Apart from that, you can claim any additional self contribution up to Rs. 50,000 of tax benefits under section 80CCD(1B).

So here you can save Rs. 2 Lacs of tax.

What We Like

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  • Approx return per year = 8% to 10%
  • Years taken to double the investment = 7.2 to 9 years

Concerns

  • You can’t withdraw fully before 60 years of age.
  • Only 25% early withdrawal is permitted for certain purposes like buying a house, medical treatment and children marriage or higher education.
  • Thereafter, you can withdraw only 60% which is tax-free and the rest 40% of the corpus is kept to receive a regular pension.

#3. Equity Linked Savings Scheme (ELSS)

You get a higher return of 15% to 18% while investing in ELSS. Investment in ELSS funds have a lesser lock-in period of 3 years and any earnings over and above Rs. 1 Lac are taxable.

What We Like

  • Approx return per year = 15% to 18%
  • Years taken to double the investment = 4 to 4.8 years

Concerns

Treated as LTCG and earnings over Rs. 1 Lakh is taxed at 10%.

#4. Tax Savings Fixed Deposit

If you want to have a safe investment option without worrying about market fluctuations then pick tax saving fixed deposit of any bank or post office.

The interest rates vary from bank to bank and are in the range of 5% to 7.25%.

What We Like

  • Approx return per year = 5% to 7.25%
  • Years taken to double the investment = 9.9 to 14.4 years

Concerns

  • Interest earned from FD is taxable.
  • There is a lock-in period of 5 years.

Check outHow to start intraday stock trading in India

#5. Unit Linked Insurance Plans (ULIPs)

Investments in ULIPs gives you a wealth creation option along with life cover. The premium paid for ULIPs is eligible for deduction under section 80C. Additionally, the returns on maturity are exempt under section 10(10D).

The returns vary depending on the combination of equity, debt or hybrid funds.

What We Like

  • Returns are tax exempted
  • Returns could be high if the stock market performs well

Concerns

  • Lots of fees and charges (2% to 4%) like premium allocation charge, mortality charges, fund management charges policy administration charges.
  • A high percentage of management charges (1.35% per annum).

Read Carefully: Why I Don’t Recommend “Insurance Policy” as an Investment Option.

Note that investment and insurance are separate assets with different objectives.

Investment assets are focused on generating returns by taking a certain amount of risk. Whereas insurance is for the protection of life and assets in case of loss and death.

Therefore, both should be considered separately and not to be combined.

Best Investment Plan With High Returns in India

#6. Direct Equity Investment

All the equity investments carry higher risks and therefore capable of generating very high returns. Opt for an equity investment option if you are comfortable losing as much as 50% of your capital.

The last 1-year return of NSE is 12.56% and in the last 2 years generated a 28.94% return. Likewise, shares of blue-chip companies have delivered huge returns in the near past.

What We Like

  • Approx return per year = 18%
  • Years taken to double the investment = 4 years

Concerns

  • High-Risk factor.

To invest in equity, you need a Demat account. You can read the full reviews of my favorite Demat accounts

  • Zerodha Demat Account Review
  • Upstox Demat Account Review

#7. Mutual Funds

Mutual funds are the most convenient way of investing in the stock markets when you do not have the time and expertise.

The equity mutual funds have generated consistently higher returns. With funds like Canara Robeco Bluechip Equity, Axis Bluechip and Kotak Bluechip Fund delivering 2 years return in the range of 15% to 19%.

The investment in mutual funds can be a lump sum or monthly SIP for an amount as low as Rs. 500.

What We Like

  • Approx return per year = 16%
  • Years taken to double the investment = 4.5 years

Concerns

  • High-Risk factor or price movements
  • Affected by market movements in NSE/ BSE
  • Fund houses charge expense ratio (1.05%).

#8. Commercial Real Estate

Commercial real estate provides rental income and capital appreciation. The higher appreciation is due to demand for office space with the growth of corporate environment.

But the real estate location, building quality, market space rent and the demand-supply plays a major factor in deciding returns.

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A good investment in office and shop spaces not only fetches higher returns but also helps in diversification of investment assets.

What We Like

  • Approx return per year = 12%
  • Years taken to double the investment = 6 years

Concerns

  • Selling real estate takes time.
  • Returns differs from property to property based on location.

#9. Initial Public Offer (IPO)

The best part of investing in IPO is that the money gets blocked only for 7 to 15 days. Prudent investment in a good company coming out with IPO can fetch returns as high as 20-25% over a period of time.

What We Like

  • Approx return per year = 20%
  • Years taken to double the investment = 3.6 years

Concerns

  • Very high risk.
  • Subject to market movements

Best Investment Plan for 1 Year in India

#10. Fixed Deposit

FDs are the safest and secure investment options provided by banks and post offices which earn higher interest rates than a savings account.

Any excess amount which you are not going to use for a certain period of time can be safely put into a fixed deposit.

Bank vs. Post Office Fixed Deposits

ParticularsBank FDPost Office FD
Interest Rates2.5% to 7.5%4% to 6.7%
Time to double investment9.6 to 28 years10.74 to 18 years
Tenure7 days to 10 years1 to 5 years
Min deposit amountVary from bank to bankRs. 200
Tax benefitOn 5-year tax saverOn 5-year tax saver

#11. Liquid Mutual Fund

Liquid mutual funds carry the least amount of risk and are for persons who have idle money for short period of time.

The liquid mutual fund invests your money in highly liquid short term instruments like the bank’s CD, T-bills and commercial papers with a maturity period of less than 91 days.

What We Like

  • Approx return per year = 4%-5%
  • Years taken to double the investment = 14.4 to 18 years

Concerns

  • Lower returns when compared to FD

#12. Ultra Short Term Debt MF Plans

Unlike, liquid MF the money is invested in bonds and other instruments with a maturity period of more than 91 days but less than 1 year.

Ultra ST debt MF does carry interest rate risk, is not so liquid and hence gives you higher returns.

What We Like

  • Approx return per year = 7%-8.5%
  • Years taken to double the investment = 8.4 to 10.3 years

Best Investment Plan for 3 Years in India

#13. Equity Linked Savings Scheme (ELSS)

There are numerous benefits when you invest in ELSS like tax savings, higher returns (15% to 18%), option to invest monthly (SIP) and can be started with as low as investing Rs. 500.

What We Like

  • Approx return per year = 15%-18%
  • Years taken to double the investment = 4 to 4.8 years

Concerns

  • Lock-in period of three years.
  • Returns are treated as LTCG and any gains over Rs. 1 Lakhs are taxed at 10%.

#14. Fixed Deposit

Returns on a 3-year FDs vary from bank to bank, usually in a range of 5% to 6.5%. Also there are no associated tax benefits in this investment option.

What We Like

  • Approx return per year = 5% to 6.5%
  • Years taken to double the investment = 12 to 14.4years

Concerns

  • Returns vary, some banks offer lesser returns for 3 years FD.

#15. Recurring Deposit (RD)

The returns generated are almost the same as a fixed deposit for a 3 year period.

What We Like

  • Approx return per year = 5% to 6.5%
  • Years taken to double the investment = 12 to 14.4 years

Best Investment Plan for 5 Years in India

#16. Direct Equity and Equity-Oriented Mutual Funds

Equity is the best option for persons looking for growth and building wealth corpus. The returns on individual stocks are high (>20%) for fundamentally strong and growing companies over a longer period of time.

For example, Eicher Motors generated a 5-year CAGR of 28.77%.

Nevertheless, the huge returns entail high risk, where a bad pick can erode more than 50% of the money. The best way is investing through mutual funds.

Still, you can invest in index funds and expect 18-24% returns.

If you don’t have a demat account, then choose one from the list of best demat and trading accounts in India.

What We Like

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  • Approx return per year = 16 to 18%
  • Years taken to double the investment = 4 to 4.5 years

Concerns

  • High-risk, high return investment.

#17. Gold

Over the years, investment in gold has given consistent returns of around 10% beating inflation and providing diversification. A better way to invest in Gold is through a Gold mutual fund, Gold ETF and Gold bonds.

You can also invest in Sovereign Gold Bond Scheme regulated by the government and RBI. You will own gold in ‘certificate’ format. The value of the bonds is assessed in multiples of the gold gram. The initial minimum investment is 1 gram of gold.

You would earn 2.5% interest per annum on amount invested. The Lock-in period is 8 years.

What We Like

  • Approx return per year = 10%
  • Years taken to double the investment = 7.2 years

Concerns

  • No tax benefits.

#18. Real Estate – Residential

The investment in residential real estate generates regular rental income and appreciation with a modest amount of risk as compared to equity investments.

The growth in residential real estate investments is due to individuals looking for a better urban housing needs and government housing initiatives.

You benefit by owning an asset, adding diversification to your investment portfolio and even saving on taxes (exemption benefits through housing loans & depreciation).

What We Like

  • Approx return per year = 11%
  • Years taken to double the investment = 6.5 years

Concerns

  • Difficult to sell property quickly in case of urgent money need.
  • Returns depend on property, location and other infrastructure developments in nearby regions.
  • High political involvement.
  • A small change in government policy may make a big difference in the valuation of property.

#19. National Savings Certificate (NSC)

NSC is a low risk, fixed income instrument that can be easily opened at any post office. National Savings Certificate comes with two fixed maturity periods of 5 years and 10 years.

You are free to invest any amount, but investments only up to Rs. 1.5 Lac helps you in tax deductions. The interest earned over the period of time is not tax-free.

The earnings are 6.8% p.a. NSCs can be pledged with banks for taking loans.

What We Like

  • Approx return per year = 6.8%
  • Years taken to double the investment = 10.58 years

Concerns

  • Lower returns as compared to mutual funds.

#20. Tax Saving FD

Tax saving FD option gives complete capital protection with additional interest income for 5 years at a similar rate to 5 years FD.

However, there is no premature withdrawal (allowed only in case of death) and the interest earned is taxable.

What We Like

  • Approx return per year = 5% to 7.25%
  • Years taken to double the investment = 9.9 to 14.4 years

Concerns

  • No premature withdrawal possible.
  • Can not pledge for taking loans.

#21. Bonds

Long term debt investments can generate steady returns over inflation. Bond investments carry interest rate risk.

The bond investments are for persons looking for principal protection, steady income or tax savings. Investments in the bond can be done through AAA rated bonds by PSU, Govt. and Corporate NCDs.

What We Like

  • Approx return per year = 7% to 9%
  • Years taken to double the investment = 8 to 10.3 years

Concerns

  • Interest rate risk.
  • Interest earned is taxable.

Basic Things to Keep in Mind Before Investing

#1. Goals & Expected Returns

You should know the purpose for which you want to invest, it can be anything from creating a retirement corpus, marriage of children, buying a house, vacation or luxury car.

Knowing your goals helps you plan realistically and keeps you committed on your investment track.

When you know your goals, selecting investment options becomes easy. In sense, you know the returns given by each option and the kind of investment you need to pick in order to achieve your goals.

#2. Investment Period

Returns or earning is not possible overnight. You need to look for a matching time period where your money can grow sufficiently to fulfill your desired goal.

#3. Risk Factor

Even after knowing goals you should not invest hastily in assets giving highest returns within the lowest time period.

Your investment decision should depend on the risk factors and your risk-taking abilities. Both factors differ from person to person.

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For example, an individual fresh at a plush job would not mind losing Rs. 25,000 on equity investment. Whereas the same amount is sufficient for an old person to meet his monthly expenses and the amount needs to be preserved.

A salaried person may have different financial needs than that of a business person. Hence, they have different risk-taking abilities and they face different risk factors.

Grow Wealth With Power of Compounding

We have heard the word compounding right from our school days. But very few have effectively used the power of compounding for long term wealth creation. You might be surprised if you let the magic work over a period of time.

Compounding is simply- earning interest on the principal, reinvesting all the earnings and then getting not only interest on principal but also interest on interest from next year onwards.

In a way, compounding, helps you build a large corpus over a period of time even with a small initial investment.

But for the magic to happen, you require two things. One is starting early and the other is keep on reinvesting over a long time period, say 10 years to 20 years.

The more you let that happen the more you amass wealth.

26 Best Investment Options in India for 2022 with High Returns - Cash Overflow (3)

Let us see how

Suppose today you invest 1 Lac at a compound rate of 8% and kept reinvesting all the earnings. Then after 10 years, the money will become Rs. 2.15 Lacs, then turn into Rs. 4.66 Lacs after 20 years, and then Rs. 10.06 Lacs in 30 years.

In the initial period, you see that the earnings are not as much but in the later years, the earnings increases exponentially. Which is due to the compounding effect.

Starting early allows more time for the magic, i.e. compounding to happen. Let us see three scenarios.

The goal is to accumulate a corpus of wealth by the age of 60 years. Investment amount Rs. 1 Lac every year and assuming that the compound interest rate is 8%.

Scenario 1

Investing every year from age 20 to 40

Rs. 2.13 Crores corpus at 60 years

Scenario 2

Investing every year from age 30 to 50

Rs. 0.99 Crores corpus at 60 years

Scenario 3

Investing every year from age 40 to 60

Rs. 0.46 Crores corpus at 60 years

26 Best Investment Options in India for 2022 with High Returns - Cash Overflow (4)

You can see that the results are strikingly different even when the investment is for 20 year period in each scenario.

You build a corpus of Rs. 2.13 Crores just by starting early at the age of 20 years as compared to Rs. 46 Lacs when starting late at the age of 40 years.

This is because you get an extra time period of 20 years for the money to get compounded.

In this way, compounding amplifies the growth and maximizes the earning potential of your money.

Final Words

I have explained all the different types of investment plans available in India.

Lack of knowledge regarding investment options should not be a reason for you anymore to start investing. There are many lucrative investment options, so do not put all your eggs in one basket.

Frame your investment goals, define your risk capacity and chalk out an investment plan best suited to your needs. The best would be to put your plan on paper or an excel sheet.

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Take control and stay committed to your financial goals. And trust me, you will gain the power to change your fortunes by using the power of compounding!

If you have any queries, let me know in the comments.

26 Best Investment Options in India for 2022 with High Returns - Cash Overflow (5)

FAQs

Which investment plan gives highest return in India? ›

Equity Mutual Funds

Mutual funds are the most popular high-return investment plan in India.

What is the safest investment with the highest return in India? ›

Some of the safe government investment plan options include Public Provident Fund, Senior Citizen Savings Scheme, NSC, Sukanya Samriddhi Yojana Scheme, National Savings Certificate, Atal Pension Yojana, and Pradhan Mantri Vaya Vandana Yojana, to name a few.

Which investment gives highest return in future? ›

Overview: Best investments in 2022
  1. High-yield savings accounts. ...
  2. Short-term certificates of deposit. ...
  3. Short-term government bond funds. ...
  4. Series I bonds. ...
  5. Short-term corporate bond funds. ...
  6. S&P 500 index funds. ...
  7. Dividend stock funds. ...
  8. Value stock funds.

What is the safest investment with highest return? ›

High-quality bonds and fixed indexed annuities are often considered the safest investments with the highest returns. However, there are many different types of bond funds and annuities, each with risks and rewards. For example, government bonds are generally more stable than corporate bonds based on past performance.

How can I double my money in India? ›

Here are some options to double your money:
  1. Tax-free Bonds. Initially tax- free bonds were issued only in specific periods. ...
  2. Kisan Vikas Patra (KVP) ...
  3. Corporate Deposits/Non-Convertible Debentures (NCD) ...
  4. National Savings Certificates. ...
  5. Bank Fixed Deposits. ...
  6. Public Provident Fund (PPF) ...
  7. Mutual Funds (MFs) ...
  8. Gold ETFs.

Where should I invest to get maximum return? ›

Now, let us take a quick understanding of each of the best investment options with high returns in India 2022 one by one:
  1. Unit Linked Insurance Plan (ULIP) ...
  2. Public Provident Fund (PPF) ...
  3. Mutual Fund. ...
  4. Bank Fixed Deposits. ...
  5. National Pension Scheme (NPS) ...
  6. Senior Citizen Savings Scheme. ...
  7. Direct Equity. ...
  8. Real Estate Investment.

Where should I invest my money to get highest return? ›

8 best investment plans in India for high returns
  1. Saving Account.
  2. Liquid Funds.
  3. Short-Term & Ultra Short-Term Funds.
  4. Equity Linked Saving Schemes (ELSS)
  5. Fixed Maturity Plans.
  6. Treasury Bills.
  7. Gold.

Where should I invest 25 lakhs to get monthly income? ›

25 Lac and earn monthly returns, let us now explore the schemes open to you.
  • Bank Deposits: Every bank offers a monthly income scheme for periods ranging from 1 year to 10 years with varying interest rates. ...
  • Corporate Deposits: ...
  • Monthly Income Plan Mutual Funds:

How do you find 12% return on investment? ›

Assuming an annual return of 12%, you need to invest around Rs 43,000 every month to create a corpus of Rs 1 crore in 10 years. If you want to make Rs 1 crore in 15 years, you need to invest Rs 19,819 every month. Assuming you have 20 years, you need to invest around Rs 10,000 every month.

Where can I investing 10 lakhs to get monthly income? ›

Investment Options to Inves 15 Lakhs for Monthly Income
  • Lump Sum Mutual Funds. Mutual funds allow you to invest in the money market and stocks, shares, and equities of companies. ...
  • ULIPs. ...
  • Pension Plans. ...
  • Traditional Guaranteed Monthly Income Schemes. ...
  • Child Plans. ...
  • Fixed Deposits.

What is the most stable investment? ›

U.S. Treasury bonds are widely considered the safest investments on earth. Because the United States government has never defaulted on its debt, investors see U.S. Treasuries as highly secure investment vehicles.

What are the 4 types of investments? ›

There are four main investment types, or asset classes, that you can choose from, each with distinct characteristics, risks and benefits.
  • Growth investments. ...
  • Shares. ...
  • Property. ...
  • Defensive investments. ...
  • Cash. ...
  • Fixed interest.

What is the safest investment right now? ›

9 Safe Investments With the Highest Returns
  • Certificates of Deposit.
  • Money Market Accounts.
  • Treasury Bonds.
  • Treasury Inflation-Protected Securities.
  • Municipal Bonds.
  • Corporate Bonds.
  • S&P 500 Index Fund/ETF.
  • Dividend Stocks.
7 Sept 2022

What is the best way to invest 1 lakh? ›

Where to Invest 1 lakh? – 7 Best investment options One Can Choose for 6 months for Rs. 1 lakh
  1. Recurring Deposits. ...
  2. Money Market Account. ...
  3. Debt Instruments. ...
  4. Bank Fixed Deposits. ...
  5. Post-office time deposits. ...
  6. Corporate Deposits. ...
  7. Large-cap mutual funds. ...
  8. 5 Best Investment Options for Senior Citizens in India.
13 Jul 2022

How can I turn my money into more money? ›

6 Ways to Turn Money into More Money [Make Money from Money]
  1. Turn Money Into Money By Investing in Yourself. Investing in yourself is the best first use of your money. ...
  2. Build Your Own Company. ...
  3. Invest in Real Estate. ...
  4. Invest in the Stock Market. ...
  5. Lend Money to Others. ...
  6. Pay Off Debt: Keep More of Your Money.
15 Aug 2022

What can I do with a large sum of money? ›

If you receive a lump sum of money, it's important to consider how you can use it to achieve your financial and personal goals.
  • Pay down debt: One of the best long-term investments you can make is to pay off high-interest debt now. ...
  • Build your emergency fund: ...
  • Save and invest: ...
  • Treat yourself:

What is the KISS rule of investing? ›

In other words, KISS in investing is an acronym that fully means “Keep It Simple, Stupid”. The principle expresses an ideology that implies that most systems work effectively when they are made and kept simple, with no complications.

Can I double my money in 5 years? ›

As a rate of return, long-term mutual funds can offer rates between 12% and 15% per year. With these mutual funds, it may take between 5 and 6 years to double your money. Kisan Vikas Patra (KVP): It comes under the Post Office Small Saving Scheme.

How many years FD will double in post office? ›

At the interest rate of 6.7%, a post office fixed deposit investment will double in 10 years and five months. Is Post Office FD Safe? Post Office FD is considered a safe investment option as it is backed by the sovereign guarantee of the Government of India.

Where should I invest my money for good returns in India? ›

Best Investment Options in India
  • Direct Equity – Stocks. ...
  • Equity Mutual Funds. ...
  • Debt Mutual Funds or Bond Funds. ...
  • National Pension Scheme (NPS) ...
  • Public Provident Fund (PPF) ...
  • Bank Fixed Deposit. ...
  • Senior Citizens' Saving Scheme (SCSS) ...
  • Real Estate Investment.

What is the best way to invest 5 lakhs in India? ›

  1. Index Funds are a great first investment.
  2. Sovereign Gold Bonds – The only way you should buy gold now.
  3. REITs – Can't buy a house in Rs 5-10 lakh, but you can earn from real estate.
  4. Max out government saving schemes.
1 May 2022

How can I invest 50000 rupees per month? ›

1 Large Index fund of Rs 15,000 (based on Nifty50 or Sensex) and 2 Flexicap funds of Rs 12,500 each, or.
...
  1. 5-year SIP of Rs 50,000 monthly = Rs 42 lakh.
  2. 10-year SIP of Rs 50,000 monthly = Rs 1.1 crore.
  3. 15-year SIP of Rs 50,000 monthly = Rs 2.5 crore.
  4. 20-year SIP of Rs 50,000 monthly = Rs 4.8 crore.
17 Sept 2021

Where can I invest a large amount of money? ›

Top 10 investment options
  • Direct equity. ...
  • Equity mutual funds. ...
  • Debt mutual funds. ...
  • National Pension System. ...
  • Public Provident Fund (PPF) ...
  • Bank fixed deposit (FD) ...
  • Senior Citizens' Saving Scheme (SCSS) ...
  • Pradhan Mantri Vaya Vandana Yojana (PMVVY)
8 Feb 2022

What's the best thing to invest in right now? ›

12 best investments
  • High-yield savings accounts.
  • Certificates of deposit (CDs)
  • Money market funds.
  • Government bonds.
  • Corporate bonds.
  • Mutual funds.
  • Index funds.
  • Exchange-traded funds (ETFs)

How much interest will I get for 30 lakhs? ›

Monthly Special Fixed Deposit Interest for Rs. 30 Lakh Fixed Deposit in Bajaj Finance
Tenor (months)Interest Rates of FDRs. 30 Lakh Fixed Deposit Interest Per Month
156.46%Rs. 16,150
186.55%Rs. 16,375
226.69%Rs. 16,725
307.07%Rs. 17,675
2 more rows

What can I do with 30 lakh rupees? ›

You should split the Rs 30 lakh between a mix of government-backed schemes, mutual funds and corporate fixed deposits. Park Rs 4.5 lakh in a Post Office Monthly Income Scheme. This will earn you 7.6% interest per annum, payable monthly. Invest the second tranche of about Rs 15 lakh in corporate FDs.

Which investment gives monthly income? ›

Best Monthly Income Plans You Should Consider
S.No.Monthly Income Plans
1.Senior Citizen Saving Scheme
2.Post Office Monthly Income Scheme
3.Long-Term Government Bonds
4.Corporate Deposits
6 more rows
22 Jul 2022

How do you get 15% return per year? ›

This rule is one of the most basic rules that help an investor become a crorepati. It says that if you invest Rs 15,000 a month for a period of 15 years in a stock that is capable of offering 15% interest on an annual basis, then you will amass an amount of Rs 1,00,27,601 at the end of 15 years.

How do you get 15% return on investment? ›

Best way to get 15% p.a. on your investment
  1. Direct equity. Buying a part of a company from the stock market can prove beneficial because the company is growing, causing your investments to multiply. ...
  2. Real estate. ...
  3. Gold. ...
  4. Equity mutual funds. ...
  5. Debt mutual funds. ...
  6. PPF. ...
  7. FD.

How do I get my 30 return on investment? ›

How To Achieve A 30% Return Per Year (7 Investing Rules) - YouTube

Where can I invest 70 lakhs? ›

Investment plan for 5 years to make 70 Lakhs rupees!
  • Canara Robeco Equity Hybrid Fund Regular-Growth: Rs 3,000.
  • DSP Banking & PSU Debt Fund - Direct Plan - Growth: Rs 4,000.
  • SBI Blue Chip Fund – Growth: Rs 4,000.
  • Axis Multicap Fund – Growth: Rs 3,000.
  • SBI Magnum Constant Maturity Fund Regular Growth: Rs 3,000.

How much interest will I get for 20 lakhs fixed deposit? ›

Monthly Interest for ₹20 Lakh Fixed Deposit
Financial InstitutionInterest rates
Bank of India2.85% to 5.55%
Canara Bank2.90% to 5.75%
Punjab National Bank2.90% to 5.75%
LIC Housing Finance5.25% to 6.00%
6 more rows

Which bank gives highest monthly interest? ›

Some of the Best Interest Rates on FDs
Bank's NameInterest Rate for General CustomersInterest Rate for Senior Citizens
State Bank of India FD2.90% - 5.40%3.40% - 6.20%
HDFC Bank FD5.75%6.25%
RBL Bank FD5.00% - 7.50%5.50% - 8%
Kotak Mahindra Bank FD2.75% - 4.50%3.25% - 5.00%
4 more rows

Where is the safest place to keep cash home? ›

The safest places include:
  • Safes.
  • Yards.
  • Picture frames.
  • Decoy Safes.
  • Fish tanks.
  • Cat litter boxes.
25 Apr 2022

How can I invest and make money daily? ›

Online Investment Platforms That Pay Daily
  1. Fundrise – real estate investing platform that gives you $10 free.
  2. Acorns – invest in the stock market and get $10 free.
  3. CIT Bank – a high yield savings account that pays compound interest.
  4. Mainvest – a small business investing platform that gives you $10 free.

What is a safe return on investment? ›

Expectations for return from the stock market

Most investors would view an average annual rate of return of 10% or more as a good ROI for long-term investments in the stock market.

How do beginners invest? ›

Best investments for beginners
  1. High-yield savings accounts. This can be one of the simplest ways to boost the return on your money above what you're earning in a typical checking account. ...
  2. Certificates of deposit (CDs) ...
  3. 401(k) or another workplace retirement plan. ...
  4. Mutual funds. ...
  5. ETFs. ...
  6. Individual stocks.
18 Jul 2022

What are investment opportunities? ›

An investment opportunity is any situation where you have the option of purchasing something that has a chance to gain value in the future. Business investment opportunities are different from investment prospects, which refer to possible future investment opportunities.

What are four types of investments you should avoid? ›

Here are four kinds of investments that are best avoided.
  • Your Buddy's Business.
  • The Speculative Get Rich Quick Scheme.
  • The MLM With a Pricey Buy-In.
  • Individual Stocks.
  • What to Do When Tempted to Speculate.
5 Oct 2021

Which bank gives 7% interest on savings account? ›

The bank is now providing savings account holders with a maximum rate of 7% on savings bank deposits of more than 1 lakh and up to 50 lakhs, effective March 4, 2022.
...
Jana Small Finance Bank.
Savings Account BalanceInterest Rate Per Annum
More than 50 Lakhs and Upto 50 Crores6.50%
More than Rs. 50 Crores6.50%
2 more rows
29 May 2022

Which is the most profitable share? ›

Sectors
CompanyCMP (Rs)Profit CAGR (3 yrs, %)
AXIS BANK771.241.0%
TCS3,010.06.8%
INFOSYS1,381.312.9%
VEDANTA281.634.7%
21 more rows

How do you get 20 return on investment? ›

You can get 20% ROI (or more) by (i) buying a cash-flowing blog, (ii) investing in real estate using debt to enhance your returns, (iii) purchasing a profitable absentee business (e.g., laundromats, FedEx routes, etc.) or (iv) buying high cash-flowing assets like vending machines and ATMs.

Where can I park money for one year? ›

Six Best Investment Plans for One Year
  • Liquid funds. These are one of the most popular methods of parking short term funds up to one year. ...
  • Ultra-Short Duration Funds. ...
  • Low Duration Funds. ...
  • Money Market Funds. ...
  • Floater funds. ...
  • Arbitrage funds.

Which is the best investment plan in India for middle class? ›

Public Provident Fund (PPF)

PPF is one of the most popular investment options among the lower-and-middle-class section of the Indian population.

Which sector will boom in 2022? ›

The consensus seems to be that the financial sector, industrial sector, capital goods will do well in 2022. Pharmaceuticals are also looking to make a mark, and a few experts have placed their bets on real estate and automobiles while others have advised against them.

What is the best thing to invest in right now? ›

12 best investments
  • High-yield savings accounts.
  • Certificates of deposit (CDs)
  • Money market funds.
  • Government bonds.
  • Corporate bonds.
  • Mutual funds.
  • Index funds.
  • Exchange-traded funds (ETFs)

Where should I invest my money to get highest return? ›

8 best investment plans in India for high returns
  1. Saving Account.
  2. Liquid Funds.
  3. Short-Term & Ultra Short-Term Funds.
  4. Equity Linked Saving Schemes (ELSS)
  5. Fixed Maturity Plans.
  6. Treasury Bills.
  7. Gold.

What is the safest investment right now? ›

9 Safe Investments With the Highest Returns
  • Certificates of Deposit.
  • Money Market Accounts.
  • Treasury Bonds.
  • Treasury Inflation-Protected Securities.
  • Municipal Bonds.
  • Corporate Bonds.
  • S&P 500 Index Fund/ETF.
  • Dividend Stocks.
7 Sept 2022

Which is fastest growing sector in India? ›

1. Software & Technology. It is no surprise that IT has emerged among the fastest-growing sectors in India and a significant area of hiring demands across the industries. As reported by the recent data, the demand for software developers has gone high by 25% post-pandemic.

Which sector is growing fast? ›

Fastest-Growing Industries
RankIndustryEmployment
2020
1Motion Picture and Video Exhibition61,000
2Performing Arts and Sports Promoters91,800
3Scenic/Sightseeing Transportation, Land9,100
7 more rows

Which sectors will grow in next 10 years in India? ›

List of the Top Sectors in India that are Most Likely to Provide Excellent Returns-
  • Healthcare and Insurance Sector. ...
  • Renewable Energy Sector. ...
  • IT Sector. ...
  • Real Estate Sector. ...
  • Fast Moving Consumer-Goods Sector (FMCG) ...
  • Automobile Sector.
19 May 2022

What are the 4 types of investments? ›

There are four main investment types, or asset classes, that you can choose from, each with distinct characteristics, risks and benefits.
  • Growth investments. ...
  • Shares. ...
  • Property. ...
  • Defensive investments. ...
  • Cash. ...
  • Fixed interest.

How can I grow my money fast? ›

If you're younger and your income limits allow, open up a Roth IRA. Invest in mutual funds and ETFs. Make sure you have enough cash in your emergency fund.
...
Earn Much, Much More
  1. Work Hard Now. ...
  2. Invest in Your Education. ...
  3. Invest in Yourself and Your Marketing. ...
  4. Venture into Entrepreneurship. ...
  5. Try Real Estate.
26 Sept 2019

How can I double my money in 5 years? ›

10 Mutual Funds That Doubled Wealth in 5 Years
  1. Axis Bluechip Fund (Large-Cap)
  2. Canara Robeco Bluechip Equity Fund (Large-Cap)
  3. PGIM India Mid-Cap Opportunities Fund.
  4. Axis Mid-Cap Fund.
  5. Nippon India Small-Cap Fund.
  6. SBI Small-Cap Fund.
  7. Parag Parikh Flexi-Cap Fund.
  8. PGIM India Flexi-Cap Fund.
18 Aug 2022

Where should I invest 25 lakhs to get monthly income? ›

25 Lac and earn monthly returns, let us now explore the schemes open to you.
  • Bank Deposits: Every bank offers a monthly income scheme for periods ranging from 1 year to 10 years with varying interest rates. ...
  • Corporate Deposits: ...
  • Monthly Income Plan Mutual Funds:

Where can I investing 10 lakhs to get monthly income? ›

Investment Options to Inves 15 Lakhs for Monthly Income
  • Lump Sum Mutual Funds. Mutual funds allow you to invest in the money market and stocks, shares, and equities of companies. ...
  • ULIPs. ...
  • Pension Plans. ...
  • Traditional Guaranteed Monthly Income Schemes. ...
  • Child Plans. ...
  • Fixed Deposits.

Which bank gives 7% interest on savings account? ›

The bank is now providing savings account holders with a maximum rate of 7% on savings bank deposits of more than 1 lakh and up to 50 lakhs, effective March 4, 2022.
...
Jana Small Finance Bank.
Savings Account BalanceInterest Rate Per Annum
More than 50 Lakhs and Upto 50 Crores6.50%
More than Rs. 50 Crores6.50%
2 more rows
29 May 2022

Which is the most profitable share? ›

Sectors
CompanyCMP (Rs)Profit CAGR (3 yrs, %)
AXIS BANK771.241.0%
TCS3,010.06.8%
INFOSYS1,381.312.9%
VEDANTA281.634.7%
21 more rows

What is the safest way to invest my money? ›

For example, certificates of deposit (CDs), money market accounts, municipal bonds and Treasury Inflation-Protected Securities (TIPS) are among the safest types of investments. Certificates of deposit involve giving money to a bank that then returns it with interest after a certain period of time.

I saved my first 10,000 rupees in 2001 when I was a student and worked part-time, playing as a DJ at wedding functions. I invested in a Fixed Deposit because my father said that FD is the safest investment option.I realized that FD hardly provides any return when I saw my FD value not growing after...

The estimated time period to double money = 72 / rate of return.. If you invest in something that gives 24% returns?. Higher interest rate than bank fixed deposit Returns are absolutely tax free Approx annual return = 7.1% Time taken to double investment = 10.14 years. Returns are tax exempted Returns could be high if the stock market performs well. FDs are the safest and secure investment options provided by banks and post offices which earn higher interest rates than a savings account.. Then after 10 years, the money will become Rs.. This is because you get an extra time period of 20 years for the money to get compounded.

Public Provident Fund (PPF) National Pension System (NPS) Equity Linked Savings Scheme (ELSS) Tax Savings Fixed Deposit Direct Equity Investment Mutual Funds Commercial Real Estate Initial Public Offer (IPO) Fixed Deposit Here is the list of the 26 best investment plans in India 2021 #1. Public Provident Fund (PPF) One of the most secured long- ... <a title="Best Investment Options for a Salaried Person in India 2022" class="read-more" href="https://www.wealthcashflow.com/best-investment-options-for-a-salaried-person-in-india-2022/" aria-label="More on Best Investment Options for a Salaried Person in India 2022">Read more</a>

Public Provident Fund (PPF) National Pension System (NPS) Equity Linked Savings Scheme (ELSS) Tax Savings Fixed Deposit Direct Equity Investment Mutual Funds Commercial Real Estate Initial Public Offer (IPO) Fixed Deposit. One of the most secured long- term Capital investment option amongst all the investment options in India.. The only drawback of having a Public Provident Fund (PPF) account is that you can withdraw the invested money by the end of 6th year.. Being a government- backed scheme, Public Provident Fund (PPF) the principal along with the interested amount in the Public Provident Fund (PPF) account is safe and guaranteed.. The budget invests in, bonds, government securities, equity and other investment alternatives as per the investor preference.. Under the auto option, the finances are invested automatically in different assets, whereas the active option enables the investor to invest in assets as per their choice.. Investment in ELSS funds have a lesser lock-in period of 3 years and any earnings over and above Rs.. ELSS can also work actually well for individuals who are looking for diversity in their investments by investing in the top three or four high- performing ELSS so as to accurate impressive returns over a period of time.. Fixed Deposits: Tax Saving FD for Sec 80C Deductions – Benefits & Interest Rates, Risks, Limits You can get a tax deduction under Section 80C of over toRs.1.5 lakh when you make an investment on a tax- saver FD scheme with a minimal lock-in period of five years.. Limited Tax Benefits : Though a 5- year tax- saver FD account is chosen by individuals to save tax in a safer way, the returns from the account are taxable under the Income Tax Act.. Equity mutual fund schemes generally invest in equity stocks.. As per current the Securities and Exchange Board of India (Sebi) Mutual Fund Regulations, an equity mutual fund scheme must invest at least 65 percent of its means in equity and equity- related instruments.. A good investment in office and shop spaces not only fetches higher returns but also helps in diversification of investment assets.

5 (926) Are you aware which is the best investment plan in India for middle class? or what are the best investment options in India 2022? or which are the best investment options for salaried person? then you are at right place. Here we are going to give you knowledge on top 10 – best investment … Best Investment Plan / Best Investment Options in India for 2022 Read More »

Are you get awareness about various different types of investment options in India with highest growth potential, best options to invest money in India 2022, safe investments with high returns in India along with best investment plan with high returns for you.. Have you ever thought how to draw your road-map to choose the best investment options in India for long term or best investment plan with high returns for salaried person, middle class income group, child, senior citizen, retired person, business man, organization, corporation or institutions.. Here you will also gain knowledge on best techniques to create best investment plan for 3 years and 1 year, also strategies for creating long term best investment plan for 5 years and 10 years.. This tutorial course guide will enlarge your knowledge financial planning , investing in stocks, mutual fund investments and more.. if you are looking for these question’s answers then you have came to the right place.. Here we are only going to focus on “Top 10 – Best Investment Plan in India” as well as we will also focus on “Top 10 – Best Investment Options in India”.. As we have seen above Top 10 – Best Investment plan in India 2022, there are few which you can choose in your portfolio as your best investment options in India.. Equities investment and Mutual funds investments are among the top 10 – best investment options in India.. Investing in equities / stocks is the top most best investment options among the list of top 10 – best investment plan in India for long term investment .. for them investing in mutual funds is one of the best investment options in India.. They are willing to invest mostly in mutual funds, as its the safest way to invest in equities through mutual funds.. Here you will also understand which is the best safe investments with high returns in India, best investment options for salaried person, which is the best investment plan in India for middle class for your retirement income.. For example: Investing in Stocks or Buying Lump-sum Mutual Funds or Investing in Mutual Funds through SIP way, etc.. This below course will take you inside the investment world in detailed manner to assist you in preparing best investment plan for 10 years, 5 years and 3 years in India 2022.. E-learning course details: Course duration for learning Best Investment Plan in India and understanding Best Investment Options in India is approximately 35 minutes.

Last updated - 03 Jan 2022

Equity mutual funds collect money from various people to form a pooled corpus of funds that invests predominantly (more than 65%) in equity & equity-oriented assets to generate higher returns.. ELSS is a class of mutual funds that earn higher returns for a three year investment period when compared to other assets like bank fixed deposits and PPF.. If you have a very short-term investment period of less than three months then you can invest in liquid mutual funds instead of placing your money in a savings bank account.. Systematic investment plans or SIP lets you invest a low fixed amount of money every month in mutual funds in a regular manner.. Long term investment can generate multi-fold returns by investing in high growth equity instruments.. Invest in plans that have given consistent returns so that you know whether your expected returns are in line with the fund performance.. Those were the best investment plans with high returns that have the capacity to fulfill your various investment goals.

When it comes to the best investment options in India, a lot of questions pop up in the mind of people. Every investor wants to invest in the Best Investment options in India in a way that they can avail maximum return in a specific tenure with minimum risk involved. In this article we will tell best investment options, where you can invest in this year 2022.

Every investor wants to invest in the Best Investment options in India in a way that they can avail maximum return in a specific tenure with minimum risk involved.. Smart investors are always on a lookout for the best investment options, where they can multiply their money in a specific time frame with minimum or no risk involved.. If you understand that comparing investments requires looking at both return and risk with equal weight, you can understand how a small return can be a big deal even if the investment is truly risk-free.. Your only advantage with a CD over a savings account is to get better returns, so if you can find a savings account that pays better than the CDs at your banks, there’s no point.. Money Market Accounts Money market accounts operate on the same principles as a CD or savings account.. They generally offer better rates than savings accounts, but they also come with greater liquidity and may even allow you to write checks or use a debit card when with a savings account.. However, it has everything to do with returns, so shop around and compare options not only with other money market accounts, but with CDs and high-yield savings accounts as well.. more than that and you will be fined; Keep passing it and the bank will have to convert your account to a checking account, or maybe even close your account.. Municipal Bonds Municipal bonds, which are issued by state and local governments, are a good option for slightly better returns with slightly higher risk.. Dividends are determined as a pay-per-share, but investors typically focus on the “dividend yield,” which is the percentage of a company’s share price that will be returned as dividends in a given year.. This may not make much sense for a company that is clearly headed for bankruptcy — a bad investment regardless of dividend yield — but it will help prop up the share price for a company that’s going through some tough times right now.

Last updated - 03 Jan 2022

Equity mutual funds collect money from various people to form a pooled corpus of funds that invests predominantly (more than 65%) in equity & equity-oriented assets to generate higher returns.. ELSS is a class of mutual funds that earn higher returns for a three year investment period when compared to other assets like bank fixed deposits and PPF.. Expected Return – 4.5% to 8% depending on the time period and bank to bank. If you have a very short-term investment period of less than three months then you can invest in liquid mutual funds instead of placing your money in a savings bank account.. Thus, liquid mutual funds are able to generate higher returns than the savings bank account interest rate.. Short term debt mutual funds are best if you want to grow your money with low risk and have an investment period of 1 to 2 years.. Safe investment option Diversified portfolio Professional fund management. Regular SIP investments if done in equity mutual funds for a long time period of over 5 years has the potential to generate stellar returns.. Best For – Salaried person who wants to create a corpus of fund to fulfill his investment goals. Those were the best investment plans with high returns that have the capacity to fulfill your various investment goals.

5 (926) Are you aware which is the best investment plan in India for middle class? or what are the best investment options in India 2022? or which are the best investment options for salaried person? then you are at right place. Here we are going to give you knowledge on top 10 – best investment … Best Investment Plan / Best Investment Options in India for 2022 Read More »

Are you get awareness about various different types of investment options in India with highest growth potential, best options to invest money in India 2022, safe investments with high returns in India along with best investment plan with high returns for you.. This tutorial course guide will enlarge your knowledge financial planning , investing in stocks, mutual fund investments and more.. Equities investment and Mutual funds investments are among the top 10 – best investment options in India.. Investing in equities / stocks is the top most best investment options among the list of top 10 – best investment plan in India for long term investment .. for them investing in mutual funds is one of the best investment options in India.. Here you will also understand which is the best safe investments with high returns in India, best investment options for salaried person, which is the best investment plan in India for middle class for your retirement income.

The last couple of years weren’t much of a success for practically anyone (unless you’re a hotshot).  If the pandemic has taught us anything, it’s the value of money. People who were disciplined financially found it easier to sail through the hard times than the ones who rarely saved.  Saving for the future has traditionally […]

But this doesn’t mean you should stop saving money for your future.. In this blog, we’ll cover a few ways to invest your money in India that will help you start your investment journey.. Be Consistent in Your Investments Track Your Investments & Returns Create a Goal-based Financial Plan Don’t Run after Assets You Don’t Understand Just Because of Tips. Enough said about financial discipline, let’s look at some evergreen avenues, things to keep in mind and how you should get started.. Remember, the stock market is an active market that doesn’t always go up (well, yes, always in the long term).. Over the last few years, there has been a spike in mutual fund investments in the country.. What to Expect Investing in a mutual fund is relatively simple than directly investing in the stock market, thanks to the AMCs who appoint fund managers to take care of portfolio selection.. Cryptocurrency as an asset class is quite young and you can’t expect a lot of reasoning or data to support your investment ideas.. But yes, this asset class is hot, especially because of the Bitcoin rally in the past one decade.. Avenues to Invest Bitcoins, Ethereum, Dogecoin, and 4000+ other crypto tokens. It’s important you choose the right investment options and start a goal-based financial plan for yourself.. I share my experience and you should consult a financial advisor before making any financial decision.

This article provides the list of the best investment options available in India, which may help you plan your investments wisely.

These are also the various investment options where I do my investments.. The main advantage of investing in gold is its easy liquidity and hedging .. Equity Market: This is another best investment option available in India.. Individual Shares: Here we get an opportunity to buy individual shares of a specific company/ a business.. Index funds: Investing in Index funds is the best and less risky way of investing in the Equity market.. Index funds are less riskier as compared to individual shares as our money gets equally invested in all the companies on the index.. Mutual funds are also less risky as compared to investing in individual shares but the main problem is the commissions on the funds.. Individual Shares vs Index funds vs Mutual funds which should you choose?. If you are someone who can manage time to understand the individual business then consider investing in individual shares.. Over the longer run, Index funds have always outperformed other types of mutual funds.. Investing in bonds is considered to be less risky than equity investments.. The interest rates vary for different types of bonds.. In recent times, Commercial real estates and Agricultural lands are still profitable in a long run.

Best Investment Options In 2022. With regards to the best speculation choices in India, a ton of inquiries spring up in the psyche of individuals......

This is the justification for why shrewd financial backers are generally on a post for the best venture choices in India, where they can increase their cash in a particular time period with least or no gamble included.. Despite the fact that the gamble openness in shared store venture is higher, it offers much better returns when contrasted with other best speculation choices on the lookout.. Under the value shared store conspire, 65 of the resource are put resources into value and value related protections and 35 of the resource are put away obligation and currency market instruments.. Interests in shared reserve plans are likewise useful as you are absolved from the abundance charge Putting resources into shared reserves is straightforward, which assists the financial backers with pursuing an educated choice.. FDs offer a scope of residencies (least – 7 days, most extreme – 10 years) and the financial backers can pick the venture according to their speculation skyline.. Under the auto choice, the assets are put consequently in various resources, while the dynamic choice empowers the financial backer to put resources into resources according to their decision.. Despite the fact that a large portion of the financial backers consider direct value a high-risk speculation choices, the profits presented by direct value reserves are higher than some other venture choices accessible on the lookout.

Everyone wants to increase his wealth. Today with the advancement of internet technology it is easy to invest your hard-earned money with greater ease and with diversified options. Every instrument comes with its own return and risk possibilities. Some give high returns but have high risk while others may have low-risk low returns. There may be investment products that are suitable for the short term while others are suitable for the long term. Which option is best for you depends on your return

Mutual funds are investment options in which fund managers collect the money from people who have the same investment goals and then invest that money in different financial instruments like equities, bonds and securities and other investment options.. The interest rate is set by the Finance ministry every year. If you invest in a high growth potential company IPO can give rapid profit in a short period and also can be beneficial in long term.. Also, its liquidity is very high so it is a good option to invest in as it has remained always.. Although investment in real estate is profitable there are some limitations with this option.

While selecting an investment avenue from the investment options given below, one has to match his/her own risk profile with the risks associated with the investment product before investing in it. Here are the top 10 investment options.

While selecting an investment avenue, you have to match your own risk profile with the associated risks of the product before investing.. There are some investments that carry high risk but have the potential to generate higher inflation-adjusted returns than other asset class in the long term while some investments come with low-risk and therefore lower returns.. Financial assets can be divided into market-linked products (such as stocks and mutual fund) and fixed income products (like Public Provident Fund , bank fixed deposits).. Equity mutual funds Equity mutual fund schemes predominantly invest in equity stocks.. As per current the Securities and Exchange Board of India (Sebi) Mutual Fund Regulations, an equity mutual fund scheme must invest at least 65 percent of its assets in equity and equity-related instruments.. Debt mutual funds Debt mutual fund schemes are suitable for investors who want steady returns.. Bank fixed deposit (FD) A bank fixed deposit is considered a comparatively safer (than equity or mutual funds) choice for investing in India.. A part of the funds can also be invested in liquid mutual funds that invest only in money market securities and therefore carry low risk.. Senior Citizens' Saving Scheme (SCSS) Probably the first choice of most retirees, the Senior Citizens' Saving Scheme is a must-have in their investment portfolios.

Which is the Best Investment Plan in India? Get the 7 Best Investment Options in India for 3 years. Guaranteed high returns on your money with these investment plans.

Even if you are setting aside funds for use during emergencies, invest them in a 3-year investment plan with high returns.. Saving Account Liquid Funds Short-Term & Ultra Short-Term Funds Equity Linked Saving Schemes (ELSS) Fixed Deposit Fixed Maturity Plans Treasury Bills Gold. Liquid funds are debt mutual funds that are highly open-ended income schemes that invest in short-term fixed interest generating money market instruments.. By investing in liquid funds, you benefit from high liquidity with easy access to your money, along with attractive returns.. Accumulate higher returns by availing FD schemes from credible financiers Hassle-free renewals provide you with the benefit of compounding, so you get more returns Deposit Credit Guarantee Corporation of India ensures all bank FDs up to Rs.1 lakh, which ensures better security You needn’t fear about the depreciation of your principal amount, as there is no effect of market fluctuations Add an element of certainty of returns, as you get assured returns on your deposits. With highest FD rates of up to 7.75% p.a., you are sure to earn stable returns by investing in Bajaj Finance Fixed Deposit.. If you were to choose to invest in Bajaj Finance Fixed Deposit, you could earn high returns that offer higher savings compared to tax-saving instruments.

As Salaried employees in India, various investment options are available for the Indians in 2022 to smartly invest and grow their hard-earned money. From traditional investment options like Fixed Deposits, Recurring Deposits, Flexi Deposits, National Pension schemes (NPS), ULIPs to modern investment options like investing in equities, Cryptocurrencies, etc are different instruments available for investing. […]

As Salaried employees in India, various investment options are available for the Indians in 2022 to smartly invest and grow their hard-earned money.. From traditional investment options like Fixed Deposits, Recurring Deposits, Flexi Deposits, National Pension schemes (NPS), ULIPs to modern investment options like investing in equities, Cryptocurrencies, etc are different instruments available for investing.. Mutual funds are investment vehicles managed by professionals that seek to pool investments from many people together before investing them into markets within the financial ecosystem such as equity markets or debt markets or a hybrid of both debt and equity.. A few Gold investment options available in India are Physical Gold investments like buying Jewelry, Gold Coins/Bars, or Paper Gold Investment Options like Gold ETF, Equity-based Gold funds, etc.. Though real estate investment might not be feasible for a fresher or an employee with very minimal salary and savings, it can be a good investment option for moderate to high salary earning employees.. Though investing in direct stocks, Equity Mutual Funds, and IPOs are more rewarding, however, chances of investment getting wrong are higher and high risks are also involved in these investment options.. A salaried employee will do well if his/her basket of investment includes multiple of these investment options, along with a few other low-risk investment options that are not included in this article like RDs, NPS, etc.

Best investment options in India for 2022, there istwo types of investments which are Short term investments and long term investments....

Investors have to choose the best Investment Plan type based on their financial requirements and by necessarily contemplating the Risk propensity of the investor.. The fixed deposit scheme is one of the most traditional Investment Options in India.. The tenure of the FDs starts from 1 Month to 10 Years.. This scheme offers depositors Good returns same as FDs.. The Risk involved in Large-Cap Mutual funds is low, also the period is 3 to 10 years.. This is the only financial plan that gives returns, Life cover as well as tax benefits.

Best Investment Options: Check the best investment options in India on Max Life Insurance, choose from a range of short term and long-term investment options via the complete investment guide to achieve your financial goals.. Top 10 Investment Options include FD, mutual funds, PPF, NPS, ULIP & more.

Max Life Insurance is only the name of the insurance company and Max Life Online Savings Plan (UIN: 104L098V03) is only the name of the unit linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.. *(a) "Protect a smile" initiative is applicable for all term plans i.e. Max Life Five Year Renewal & Convertible Term Insurance (Non Participating)- 104N001V01; Max Life Easy Term Policy- 104N002V01; Max Life Level Term Policy (Non-Participating/Non-Convertible)- 104N009V01; Max Life Platinum Protect-104N060V01; Max Life Platinum Protect II-104N060V02; Max Life Premium Return Term Plan- 104N069V01; Max Life Online Term Plan-104N078V01; Max Life Premium Return Protection Plan- 104N083V01; Max Life Smart Term Plan-104N113V01.. Age 35: Standard premium for 35 year old Healthy male, 1Cr life cover 25 years policy term, 25 years premium payment term (exclusive of GST) for Max Life Smart Secure Plus Plan (UIN: 104N118V02)Disclaimer for 5% salaried discount. The policyholder has a period of 30 days from the date of receipt of the policy document, to review the terms and conditions of the Policy, where if the policyholder disagrees to any of those terms or conditions, he / she has the option to return the Policy stating the reasons for his objections.. 3 The guaranteed benefits are available with selected life insurance plans & are applicable if all due premiums are paid. 9 The percentage savings is for a regular pay Max Life Smart Secure Plus Plan ( A Non Linked Non Participating Individual Pure Risk Premium Life Insurance Plan, UIN - 104N118V02)– Life Option for 1 cr life cover for a 35 year old, non-smoker male for a policy term of 40 years vs a 10 year policy term with the same details’. Upon Policyholder's selection of Return of Premium variant this product shall be a Non-Linked Non-Participating Individual Life Insurance Savings Plan.

[Latest Update: 24th Sep, 2022] If you trade

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Low risk investment are investments that are essentially safer than their correlatives and are better suited for short-term goals. Here are some of the Best Low Risk Investment Options for you.

This is why smart investors always hunting for the best low risk investment options available in India.. Freedom to invest and withdraw anytime Flexibility to invest any amount Safer risk-return proposition Custom investment period Tax benefits & other benefits. Low risk investments are investments that are essentially safer than their correlatives.. If you are willing to opt for the low risk investment, your purchasing power will reduce over time.. Thus, Low risk investments are better suited for short-term goals and investments or for your emergency needs.. High-Interest Savings Accounts: Savings account with high-interest rates can give the nominal amount of interest for the money you’ve deposited in a savings account.. Fixed Deposits Fixed deposits are undoubtedly the oldest method of investing and savings in India .. It is one of the risk-free or low risk investment returns in India.. The investors can choose to invest in FDs as per their investment horizon.. However, be aware of the surrender charges charged by institutions before investing and before surrendering the investments.. The limitation of investing in Post Office Schemes is that it has a 5 year lock-in period.. Thus, In a joint account, all the joint account holders will have an equal share in the low risk investment.. National Pension Scheme The National pension scheme (NPS) is a long-term investment option.. It is the retirement-focused low risk investment option available to all Indians and is managed by the Pension Fund Regulatory and Development Authority (PFRDA).. These instruments offer short-term low risk investment opportunities for up to 1 year.

Here we will discuss the top 23 investment options in India across various asset classes i.e. equity, debt, govt. securities, bond, gold etc.

The National Pension Scheme’s main object was to lower the liabilities of the Government of India with regards to the total pension as well as to ensure that the country’s citizens would earn a stable income following the retirement along with helping them earn decent returns on their investment.. Key Features of the National Pension Scheme From the year 2009, the scheme has been made open to every individual Indian Citizen whether Government Employee or Private Employee or unemployed or any other resident in India or Non-Resident Indian (NRI) who is between the age of 18 & 65.. This authority transfers the funds of individuals to these registered Pension fund managers like LIC Pension Fund, SBI Pension Fund, UTI Retirement Solutions Pension Fund, etc.. The scheme invests money in Equities (E), invests in fixed income instruments (C) other than Government Securities, makes investment in alternative investment schemes (A) and in government securities or bonds (G).. If you are a risk-averse investor and wish to invest your money through a secured investment option, apart from the recurring deposit, a fixed deposit (FD) is one of the best options available.. Post Office Monthly Income Scheme is a Government-backed scheme where an individual invests a lump sum amount which offers a fixed interest every month.. Any individual can invest in this scheme between a minimum amount of Rs.. Tax-free Government bonds are types of goods or financial products which the government enterprises issue to collect their capital from the investors to either run their business or expand the business by issuing securities or bonds with a guarantee to repay the amount of the invested money when the security or bond is matured.. There is no maximum limit for investment unlike Senior citizen savings scheme or Post office monthly income scheme.. This scheme is ideal for those who have exhausted their limit in senior citizen savings scheme and post office monthly income scheme.. Owing to the higher interest rate of 16%-17% in business loans the companies collect their capital from the investors to either run their business or expand the business by issuing securities or bonds with a guarantee to repay the amount of the invested money when the security or bond is matured.. You can start investing in a mutual funds either via a Systematic Investment Plan or a lump sum investment.. In this scheme, your money is invested in several companies just like normal mutual fund schemes.

Top 10 Best Investment Options In India 2021 For High Return

Investment options that offer returns based on market performance. It is a high-volatile class of assets that won’t guarantee returns, but if someone from the financial background holds the knowledge of investing in the stock market, can take advantage of investing in direct equities to make good returns – better than mutual funds and fixed deposit schemes, etc.. The equity mutual funds are less volatile than direct equities but comparatively high to FDs and PPF schemes.. Investors with average risk tolerance can benefit from investing in equity mutual funds to get potential returns.. Suppose you’re not planning to invest in equity mutual funds.. Also, like traditional Bank FDs, you won’t be able to withdraw money before maturity.. The pension scheme is a mixture of equities, liquid funds , fixed deposits, government bonds, and corporate bonds that give the edge to investors to secure the capital in making potential returns with as minimal risk as possible.. In that case, you can opt for the RBI saving taxable bonds to invest your money for a fixed maturity date where the bond will be issued in a Demat form and credited to the BLA (Bond Ledger Account) of yours.. I hope the information we’ve provided on ‘Top 10 Investment Options in India’ will help you pick the right investment avenue to invest your hard-earned money.

The word Investment refers to any item or any asset purchased with the main purpose of generating income or appreciation. This item or asset is acquired today

So the sooner you start investing in the various investment options in India, the better it is for your future.. Choose the right stock as it is one of the best investment options in India now and see your investments grow upwards.. A bond is a loan or a fixed income investment in which the investor loans funds to a corporate company or to Government is one of choosy investment options in India.. Gold deposit scheme, Gold ETF, Gold Bars, Gold Mutual Funds provide good investment options in a short period of time.. You can keep it as an investment or make an ornament with it or sell it when necessary, thus establishing it as one of traditional investment options in India.. The Company Fixed Deposits is another of investment options in India and they hold some element of risk but give more interest than the bank FDs.. This is one of choice investment options in India where there is invariably appreciation of capital investment amount.. IPO is launched by a privately held company only once, at the beginning, to become a public company, giving opportunity to investors can be one of good investment options in India.

Conservative investor always looks for the safety of the instrument along with capital appreciation.

Post office monthly income scheme is for individuals who are risk averse and look for safe investment option with decent returns.. Presently, the Post Office Monthly Income Plan gives you an interest rate of upto 7.8 per cent, which is not bad at all.. The government of Kerala owned KTDFC, offers an interest rate of 8.50 per cent for three years.. For example, some deposits like Bajaj Finance and Mahindra Finance are AAA rated and offer good scope for earning higher interest rates than bank deposits.. However, we suggest that while these are good safe long term investments, there is an element of risk as well, as the nature of these deposits (unsecured) make them unsafe.. These are mutual fund units that are considered safe, as the amount is invested in safe AAA rated instruments.. Senior citizens on the other hand for the same tenure are offered an interest rate of 8.75 per cent, which is not bad at all, considering a trend of declining interest rates that we are now witnessing.. Jana Small Finance Bank offers you an interest rate of 9 per cent for three years.

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