Since the past few years, the option of investing in the stock market has shown an upswing curve. There are many options to invest your money safely with the assurance of higher returns in the future –Mutual Funds, Stocks, Tax-saving options, Secured Non-Convertible Debenture (NCD), Bank Fixed Deposits, IPOs, Real Estate and of course Gold.
Mutual Funds – Mutual funds of a diversified portfolio would be the wisest choice if you are looking at availing of maximum returns on your long term investments. Mutual funds with systematic investment planning schemes will make your capital appreciate if you lock your funds for at least 10-15 years. These investments secure your financial growth in the long run. SIP Mutual Funds help your investments tide over volatile market conditions. If you are keen to make a lump sum investment, the options vary from debt and liquid funds to balance and ultra-short term funds. Your best bet would still be to invest in some of the top performing Mutual Funds through SIP.
Stock Markets – You can choose stocks on the basis of its beta value e.g. for every 1% of fluctuation in the Sensex, UTI would fluctuate with 0.57%. The fluctuation in the Sensex could be an increase or decrease but if you invest in low beta value stocks, your investments in the stock market can progress consistently with an element of low risk.
Tax Saving options – You could opt for PPF, NSC, 5 year tax saving Fixed Deposit Schemes but a better option would be investing in Equity Linked Saving Fund Schemes (ELSS) which qualify you for tax exemptions under section 80C of the Indian Income Tax Act. These funds serve dual benefits in the form of tax savings and growth of your savings. A pre-requisite is keeping the funds invested for 3 years. In a booming economic scenario, you stand to gain manifold.
IPOs – Investments in IPOs are always accompanied with increased returns. Three years ago, such investments had given more than 65% returns on investments. If you are a risk-taker, IPOs are a great investment channel to avail of handsome returns.
Secured Non-Convertible Debentures (NCD) – Low risk and highly secure, these offer high returns.
Bank Fixed Deposits - Fixed Deposits are by far, the safest options offering guaranteed returns. However, it’s always wise to explore the current interest rates before making investments in them.
Mutual Funds – Mutual funds of a diversified portfolio would be the wisest choice if you are looking at availing of maximum returns on your long term investments. Mutual funds with systematic investment planning schemes will make your capital appreciate if you lock your funds for at least 10-15 years. These investments secure your financial growth in the long run. SIP Mutual Funds help your investments tide over volatile market conditions. If you are keen to make a lump sum investment, the options vary from debt and liquid funds to balance and ultra-short term funds. Your best bet would still be to invest in some of the top performing Mutual Funds through SIP.
Stock Markets – You can choose stocks on the basis of its beta value e.g. for every 1% of fluctuation in the Sensex, UTI would fluctuate with 0.57%. The fluctuation in the Sensex could be an increase or decrease but if you invest in low beta value stocks, your investments in the stock market can progress consistently with an element of low risk.
Tax Saving options – You could opt for PPF, NSC, 5 year tax saving Fixed Deposit Schemes but a better option would be investing in Equity Linked Saving Fund Schemes (ELSS) which qualify you for tax exemptions under section 80C of the Indian Income Tax Act. These funds serve dual benefits in the form of tax savings and growth of your savings. A pre-requisite is keeping the funds invested for 3 years. In a booming economic scenario, you stand to gain manifold.
IPOs – Investments in IPOs are always accompanied with increased returns. Three years ago, such investments had given more than 65% returns on investments. If you are a risk-taker, IPOs are a great investment channel to avail of handsome returns.
Secured Non-Convertible Debentures (NCD) – Low risk and highly secure, these offer high returns.
Bank Fixed Deposits - Fixed Deposits are by far, the safest options offering guaranteed returns. However, it’s always wise to explore the current interest rates before making investments in them.