Best investment options in India.


Best investment options in India.


In today's world just earning money is not enough to fulfill your financial goals i.e dreams. Instead of letting your money lie ideal in your bank account, you should consider investing them in different investment options such as mutual funds, stocks, bonds, fixed deposit, and many more. But with so many investment options available, we should have to make the right decisions. 
To help you decide which investment options to consider, here is a list of different types of investment with their returns, and also the risk level associated with it.

Types of investments

Investors usually make investment decisions, based on their risk level. Thus investments are classified into three risk levels, which includes low risk, medium risk and high risk. Here's a look into these levels in detail.

Low-risk investments:-

These are instruments which pay fixed income no matter what happens to the economy and businesses, and are not related to the share market, i.e you will never lose a cent of your principal. Fixed deposit, bonds, Recurring deposit fall under this category. There are some special type of investment like the public provide fund (PPF), National savings certificate (NSC) and some post office savings scheme. These schemes are created by the government for specific purposes. And the returns are periodic and are predetermined.
However, government bonds have good returns but the lock-in period is much higher, which means you have to wait for a long time to get good returns.

Medium-risk investments:- 

These are the investments which might have a certain level of risk but this also pays a higher return of interest. Debt funds, balanced mutual fund and index funds ULIPS fall under this category.
These type of funds invests in both equity and debt instruments, And so, they are somehow linked with the markets and this may these funds a bit risky.

High-risk investments:-

In this type of investments, there is no limit to the upside along with downsides of returns. These are the shares of companies, equity mutual funds and derivatives. The return on these instruments can give huge returns and also they can make huge losses depending on the shares you choose. The quantity and timings of return are not fixed, making them high-risk investments.

Here are the best investment options in India:

Best Investment options in india

Lastly, the most important investment in your life is to invest in yourself, keep asking, keep questioning, keep exploring, keep learning and keep growing.

~By suddha.

Post a Comment

0 Comments