What is the best and safest way to invest and get good returns in India?


What is the best and safest way to invest and get good returns in India?


In today’s world, earning money may not be enough to fulfil your financial goals and take your dreams towards fruition. Instead of letting your hard-earned money lie idle in your bank accounts, you may consider investing in investment options such as stocks, equities, mutual funds, Fixed Deposit.
Types of Investments.
  • Low-risk investments.
  • Medium-risk investments.
  • High-risk investments.
Best Investment Options.
  • Stocks – Buying shares of companies is a one time investment plan. It is one of the easiest ways to invest your money in any business. These are part ownership units of the company which each investor buys. You can trade these shares in a marketplace called the Stock market where all trades are done electronically. It is one of the most lucrative and riskiest investment options to buy.
  • Fixed Deposit – These are the safest investment where you are assured fixed interest at fixed intervals of time. It provides options for investing and flexibility to pay. Fixed Deposit is offered by banks and NBFCs. Short term investment plans with Fixed Deposit can help you protect your funds against inflation.
  • Mutual Funds – These are collective investment vehicles managed by a fund manager which pools people’s money and invests in stocks and bonds of various companies and create a return. They are in the same category of risk as stocks, though slightly less.
  • SCSS –Senior Citizens’ Saving Scheme is an investment plan for those above the age of 60 years. It is a government sponsored, long-term saving option which has been designed keeping in mind the requirements of retirees. This investment option pays a high and steady rate of interest as prescribed the government from time to time.
  • PPF – Public Provident Fund is one of the most common and trusted investment plans in India. It pays interest rate annually and requires a minimum of Rs 500 per annum investment. It has a life of 15 years with partial withdrawals allowed of the corpus at various points. This option also pays a high and steady rate of interest as prescribed the government from time to time.
There are five key ways to double your money, which may include using a diversified portfolio or investing in speculative assets.
Broadly, investing to double your money can be done safely over several years, or quickly, although there’s more of a risk of losing most or all of your money for those that are impatient.

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