In today’s time, everyone plans to increase their hard -earned money, so it is necessary to choose some investment options for this. However, it is considered best to choose low -risk options for investment. So if you are also looking for such a riskless option where you also get good returns, then we are going to tell you some options.
1. Public Provident Fund (PPF)
PPF is one of the famous and safe investment options. It is a government scheme, so it guarantees the security of money.
features:
Benefits such as tax deduction of up to ₹ 1.5 lakh are available under Section 80C of 15 years.
For whom it is useful for: It is best for investors who take less risk and are looking for a long -term safe investment.
2. National Pension System (NPS)
NPS is a government -backed retirement savings scheme. It provides a mixture of equity and date investment.
features:
It provides a great opportunity to earn money in the long term and provides tax benefits under Section 80C and 80CCD (1B).
Best for this:
This scheme is for those who want to save for their retirement and also want good returns in the long term.
3. Equity Mutual Fund (via SIP)
Equity mutual funds have the ability to give high returns over a longer period. However, the risk is high.
features:
Investing in mutual funds through a systematic investment plan (SIP) reduces the effect of market fluctuations and provides the benefit of compound interest.
Useful for this:
For investors who are willing to take high risk and want to invest for at least 7-10 years.
4. Real Estate
Real estate is another good long -term investment option, as the value of the property increases over time.
features:
Monthly income can be earned by renting property, and after the property develops, it can be sold at a higher price.
Best for this: for large and very long -term investment.
5. Investment in gold
Gold is a traditional way of investment. It is considered a safe option against inflation and market fluctuations.
features:
It is easy to buy and sell gold through options such as gold bonds and gold ETFs, and there is no risk of physical gold.
Who will become rich:
Those who want to diversify their portfolio and protection from inflation.
6. Ferved deposit (FD)
Fixed deposits in India are the oldest and safe way of investment. It provides a certain interest rate and ensures capital security.
features:
Guaranteed returns, bank FD interest rates are usually higher than savings accounts.
what’s that for:
Those who do not want to take risks at all and want certain returns.
The choice of correct investment depends on your ability to take risk, investment period and financial goals. Options such as equity mutual funds and real estate can give high returns, but they also have higher risk. At the same time, options like PPF, NPS and FD provide safe and stable returns. Investment decisions should always be taken only after consulting your financial advisor. (Note: This article is only for information and it should not be considered an investment advice in any way, it is suggested to consult financial advisors for investment.)
