Best 5 Investment Options In India

Investment

There are many options available for investment in India so it becomes a little confusing for some investors to decide which plan to pick.

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Every investor has a different risk window, some want to earn quickly and are ready to take more risk. While some investors want steady returns and want lower risk on their deposits.

1. Mutual funds

These are considered to be one of the best investment options available in our country. Equity funds are very popular amongst different mutual funds. It has the potential of earning interest up to 20 % on deposits. But point to be noted is that high returns come with high risk as well. So It is advised that you consult financial experts before making any decisions. With a Systematic investment plan (SIP) you can start with INR 500 per month so for start and if you are unsure about it invest a small amount in SIPs and after getting experience and knowledge of how mutual funds work you can invest more amount in it.

2. National Pension Scheme

It is a government-sponsored scheme and is the best mode of investment for those who have a very low-risk profile. Regardless of your investment, you will receive a certain amount of pension. Investing in NPS qualifies you for tax benefits.

3. Public Provident Fund

It is the best investment option for Middle-class men not only because it is not risky but also because it is easy to start if you are not tech-savvy. You can open a PPF account in a bank or in a Post office. It has a tenure of 15 years but you can extend it further by 5 years. If you are a salaried person then it is a good way to save some amount every month to invest in PPF. If you want to withdraw it early then you can withdraw after the 7th year of opening a PPF account.

The best benefit of PPF is that the interest you earned from it is free from taxation

4. Real Estate Investment

It is a good way to make money and an excellent idea to make long-term investments. Because of rapid development and urbanization, the demand for real estate increases not like ever before. The Real Estate Regulation and Development Act which comes in 2016 boosts the confidence of investors.

5. Stock Market Investment

Stock market investment increased many folds in the last decades. You can also monitor the performance of your stocks in real-time. If you don’t have a huge amount to invest then the stock market provides you facility of various small, mid and large-cap stocks and you can invest in all of them by making a balanced portfolio.

You can make changes to your portfolio according to the risk you are willing to take.