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निवेश के आसान तरीके – Best Investment Options – Best Safe and low-risk investment options

Investment Tips in Hindi: किसी भी वित्तीय उत्पाद में निवेश करने जा रहे हैं तो निवेश की आसान टिप्स यहां से जान सकते हैं। इस पेज पर प्रत्‍येक लेख आपकी निवेश की दिशा में मदद करेगा।

Investment Options

Why do people invest? Maybe they are in need of financial security. What is the best way to attain financial security? It’s to save and invest money for a long period of time to have a financial stability in future. According to the typical thinking of most of the people, if you need more money you need to work more. But is that bunch of money going to be pleasurable if you don’t have the time to enjoy it? You can’t have a clone of yours to work every time for you so the expansion of money leads to an extension of your working hours. Investment is to make your money work for you, maximizing your earning potential to know more about the best investment options .

Investment plans offers investment component along with insurance component. Being a perfect blend of investment and insurance plan, it offers best of both the words. A pre-stipulated part of the premium attracted by an investment plan is used to provide life cover. As for investment, he balance amount is invested the preferred financial plan. The financial plan is decided on the basis of the risk appetite of the investor and his/her investment goals. The plans help an investor to accomplish his/her long as well as short-term investment goals. An investment plan is an ideal option for the investors who want to generate wealth and accomplish the goal of saving taxes.

Life insurance is considered as the best investment option. As a primary benefit, it offers financial protection to the policyholder and his/her nominee or family. In a covered event, they get pre-decided insurance benefit. As a secondary benefit, it offers funding instrument that the policyholder can in order to accomplish his/her short-term as well as long-term investment goals.

There are 2 types of investment options in the market. The first one is ULIPs i.e. Unit Linked Insurance Plans which offers returns on the basis of overall market performance. The second one is traditional endowment plans which offer a one time or annuity payout as the maturity benefit. Both the plans are best investment options in India. The selection of the plan depends on the insurance goals, investment money, investment horizon and risk-appetite of the policyholder. Best investment options in India fulfill the investment goals of an investor in a stipulated period of time.

1. Public Provident Fund

It is the safest and secure long-term investment product amongst the best investment options in India. It is totally tax-free. Under the PPF account opened in bank or post office the money get locked for the time of 15 years and you can earn compound interest from this account. You can also extend the time frame for the next five years. The only drawback of this PPF account is you are only allowed to withdraw your investment at the end of 6th year. In case you need it, you can take a loan on the balance of PPF account.

2. Investing a Mutual Fund

People who want to invest in equities and bond with a balance of risk and return generally choose to invest in mutual funds. Nowadays investing in stock markets through a mutual fund is a market trend. One of the best investment options is a mutual fund for a long time by systematic investment plan. This investment plan will definitely give a much better return compared to any other investment option in the market.

3. Direct Equity or Share purchase

Make sure you know how to analyze a share stock before going to buy direct equity or share. It is the best amongst the list of top 15 best investment options for the long period of time. If the investment is for a long time, for example, more than 15 years, it is somewhat sure that there will be higher return.

4. Real Estate Investment

One of the fastest growing sectors in India is real estate, holding the huge prospects in major sectors like housing, commercial, hospitality, manufacturing, retail and more. Buying a flat or plot is the best decision amongst the investment options available in India. The risk is very low because the rate of property increases within 6 months.

5. Investing in Gold in Various Ways

Gold is one of the oldest and evergreen investment products, as the value of gold increases quickly.

If you are looking for a gold investment option you can simply opt for any gold investment format like gold deposit scheme, gold ETF, Gold Bar, Gold mutual fund etc. gold investment can benefit in the short period of time.

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