Clever investments are the fastest and the easiest methods of getting large returns with minimum risks. However, with higher returns, more is the risk. Although the perfect investment is a myth, with proper research and planning you can minimise the risks and increase your gains. You have to assess how much risk you can take as well as the mode of investment to reap maximum rewards. Investments can be financial as well as non-financial. Here is the list of the best investment services that are available in India-
Direct Equity
You need a demat account to invest in direct equity. Stocks are considered to be volatile assets that do not always guarantee a return. Therefore, before investing in stocks you must thoroughly research the market. Over long periods, this avenue provides higher returns than any other forms of investment. Be careful to take proper precautions to curtail your losses. You can expect returns around 12.5% if all is well with the market.
Equity Mutual Funds
Limited investments in mutual funds in a large number of portfolios increases your chances of getting higher returns while limiting the risks. The best way is to resort to an expert for advice. Pooling different stocks of different companies can give you a net profit. You can actively or passively manage the equity mutual funds. Returns vary between 15% and 20%.
Debt Mutual Funds
These offer you steady returns while being safer with low-risk potential. In this case, you invest in securities that generate a fixed interest such as corporate bonds, government securities, commercial papers, treasury bills, etc. Returns vary between 6% and 8%.
National Pension Scheme
It is a long-term investment scheme that focuses on retirement. This blends mutual funds, fixed deposits, corporate bonds, liquid funds, and government funds. You can directly invest in equities through NPS if you have the appetite for risks. A tier-1 NPS account has to be maintained with annual deposits of Rs. 1000.
Public Provident Funds
This is one of the best investment options in India that attract many people due to low risks. The tenure of Public Provident Funds is 15 years and the money is exempted from taxes. The government support for this scheme makes it extremely safe.
Fixed Deposits
You can open a fixed deposit account in any bank for long and short terms. It is a lower return yielding, safe option that is subject to taxes as per your income.
Real Estate
A real estate is a lucrative form of investment that does not involve liquid finances. The returns depend on the location of the property. Capital appreciation makes real estate a viable investment in the long term.
Gold
Gold is a traditional form of non-financial investment that has been popular for a long time. The returns depend on the existing value of gold at the time of liquidation. However, the concerns for safety remain an issue.
Some investment services offer fixed income while others vary with the ups and downs of the market. The market-linked investment offers a higher return despite the high risk and volatility. A judicious mix of both while keeping the concern of taxes in mind helps you meet your long-term financial goals and helps you stretch the power of your money.
Direct Equity
You need a demat account to invest in direct equity. Stocks are considered to be volatile assets that do not always guarantee a return. Therefore, before investing in stocks you must thoroughly research the market. Over long periods, this avenue provides higher returns than any other forms of investment. Be careful to take proper precautions to curtail your losses. You can expect returns around 12.5% if all is well with the market.
Equity Mutual Funds
Limited investments in mutual funds in a large number of portfolios increases your chances of getting higher returns while limiting the risks. The best way is to resort to an expert for advice. Pooling different stocks of different companies can give you a net profit. You can actively or passively manage the equity mutual funds. Returns vary between 15% and 20%.
Debt Mutual Funds
These offer you steady returns while being safer with low-risk potential. In this case, you invest in securities that generate a fixed interest such as corporate bonds, government securities, commercial papers, treasury bills, etc. Returns vary between 6% and 8%.
National Pension Scheme
It is a long-term investment scheme that focuses on retirement. This blends mutual funds, fixed deposits, corporate bonds, liquid funds, and government funds. You can directly invest in equities through NPS if you have the appetite for risks. A tier-1 NPS account has to be maintained with annual deposits of Rs. 1000.
Public Provident Funds
This is one of the best investment options in India that attract many people due to low risks. The tenure of Public Provident Funds is 15 years and the money is exempted from taxes. The government support for this scheme makes it extremely safe.
Fixed Deposits
You can open a fixed deposit account in any bank for long and short terms. It is a lower return yielding, safe option that is subject to taxes as per your income.
Real Estate
A real estate is a lucrative form of investment that does not involve liquid finances. The returns depend on the location of the property. Capital appreciation makes real estate a viable investment in the long term.
Gold
Gold is a traditional form of non-financial investment that has been popular for a long time. The returns depend on the existing value of gold at the time of liquidation. However, the concerns for safety remain an issue.
Some investment services offer fixed income while others vary with the ups and downs of the market. The market-linked investment offers a higher return despite the high risk and volatility. A judicious mix of both while keeping the concern of taxes in mind helps you meet your long-term financial goals and helps you stretch the power of your money.
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