The growing Indian economy ably supported by a plethora of banking facilities has made investments a popular method of safeguarding your money while also helping it grow in the capital market.
The banking facilities in India together with the growing capital market have led to a rise in demand for investment plans. An investor can check and opt for the most suitable plan according to his requirements. While some are short term investment plans, others accrue long term profits. Before you finalize investments of any kind, it is necessary to check the involved risks and the likable return which you can expect from the market.
Popular Investment Plans in India
There are a number of plans which assure secure and reasonable returns.
Bank Fixed Deposits (FDs): This is one of the most popular and probably one of the safest investment plans in India which is popular among small and big investors. This can be both short and long term plan with the tenure ranging from 15 days to 5 years and above. Senior citizens are offered exclusive return rate of 10 percent as compared to 9.25 percent for normal investors.
Insurance policies: This plan offers suitable return while offering coverage for you and your loved ones. Insurance policies are considered as the best long term investments in India and range from the popular home insurance to life insurance to car insurance and health policies. One can choose according to his needs.
National Saving Certificate (NSC): If you are looking for making short term investments in India, then check this scheme which is backed by the Government of India and is under Section 80C of Indian IT Act. In most cases the investor is offered a return interest of 8 percent which is paid twice a year.
Public Provident Fund (PPF): Another Government of India supported plan, this savings option is valid for a minimum amount of Rs.500. The maximum an investor can invest in this policy is capped at Rs.100,000. To avail this scheme, an investor needs to open a PPF account in a general post office or in a nationalized bank. Rate of interest is generally 8 percent but remember this is a long term investment plan which is locked for the fixed tenure.
Stock Market: If you are a risk taker and want to make easy and fast money, then there can be nothing better than stock market for you. However, before you invest in the Indian Stock Market, always check the market condition and update yourself about any news related to the stocks.
Gold Deposit Scheme: Started in 1999, this is one of the new forms of saving schemes which has no investing cap for investing individuals. Generally, you can invest a minimum amount of 200 grams in exchange for a gold bond for a fixed period of time.
Real Estate: With the property prices rising every second, what can be more profitable than investing in real estate? According to experts, the realty demand touched 150 million square feet in 2010 and has been rising till date. With an annual profit rated spiking at approximately 50 percent, this is a profitable scheme for long-term investing in India.
Other forms of investments in India are mutual funds, private equity, and Non Resident Ordinary Funds.
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