Where to invest money – 10 easy ways

Where to invest money , in today’s article we are going to see where to invest money? Where to invest money Friends, in our country, every person looks for a good place to invest his earned money, apart from this, there are many people in our country who want to get high returns as soon as possible without the risk of losing the original money. This is the reason why many people are always on the lookout for top investment plans where they can double their money in a few months or years with little or no risk.

But if seen, there is no such place where you get to increase your money in less time without taking any risk. Explained in simple language, in fact, risk and return are directly related, they go together, that is, the higher the return, The more risk you have to take.

Before investing, you need to match your own risk profile with the respective risks of the product while choosing the investment avenue. There are some investments in which there is a lot of risk, but in comparison to other investment avenues, the returns are given much higher. On the contrary, there are some investment routes in which you have less risk but you also get less return.

For example there are 2 buckets in which investment products come in and they are financial and non-financial assets. Financial assets can be divided into market-linked products (such as stocks and mutual funds) and fixed income products (such as public provident funds, bank fixed deposits). Non-financial assets – many Indians invest through this medium – are the likes of physical gold and real estate. So let’s take a look at 10 ways to invest in Indian while saving for financial goals.

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Where to invest money? Paise Kaha Invest Kare

Friends, if you are also earning a lot of money or are thinking of increasing the money lying with you, then you can do only one thing and that is investment. There are many people who want to invest their money but they do not know how to get guidance properly and they invest their money on many and after that the chances of their money sinking are very high, that’s why money It is very important to get the right guidance for investing.

In view of this problem, today we have brought it for you. 10 ways to invest money With the help of which you will get very good information and you will understand where you can invest your money. So if you also want to invest your money and you do not know where to invest money, then you have been told 10 ways to invest money below, read them.

1. Direct equity

Investing in stocks may not be for everyone as it is a volatile asset class and there is no guarantee of returns in this, you have to invest money by trusting your mind and your knowledge. Not only is it difficult to choose the right stock, timing your entry and exit is also not easy. The only glimmer is that over the long term, equities have been able to deliver higher than inflation-adjusted returns as compared to all other asset classes.

At the same time, unless one opts for the stop-loss method to minimize losses, the risk of losing your entire capital or all that you have in your account is high. In stop-loss, an advance order is placed to sell the stock at a specific price. To mitigate the risk to some extent, you can diversify across sectors and market capitalization. Opening a demat account is essential for investing directly in equities.

2. Equity mutual funds

Equity mutual fund schemes primarily invest in equity shares. Currently, as per the Securities and Exchange Board of India (SEBI) Mutual Fund Regulations, an equity mutual fund scheme should invest at least 65 per cent of its assets in equities and equity-related instruments to give you maximum returns. An equity fund can be actively managed or passively managed which is a great thing.

In actively traded funds, returns largely depend on the fund manager’s ability to generate returns. Index funds and exchange-traded funds (ETFs) are passively managed, and track the underlying index. Equity schemes are classified according to the market capitalization or the sectors in which they invest. They are also classified on the basis of whether they are domestic (investing only in shares of Indian companies) or international (investing in shares of foreign companies).

3. Fixed Income Funds (Debt mutual funds)

Debt mutual funds schemes are suitable for those investors who want stable returns i.e. those who want to increase their money by taking less risk. They are less volatile and hence, debt mutual funds are considered less risky as compared to equity funds. Debt mutual funds primarily invest in fixed-interest generating securities such as corporate bonds, government securities, treasury bills, commercial papers and other money market instruments.

However, these mutual funds are not risk free as we told you in the beginning that if you want to grow your money by investing money anywhere, then you also have to take risks like Debt mutual funds interest rate risk and credit risk. pick up. Therefore, investors should study the associated risks before investing.

4. National Pension System

National Pension System (NPS) is a long-term retirement-focused investment product managed by the Pension Fund Regulatory and Development Authority (PFRDA). The minimum annual (April-March) contribution for the NPS Tier-1 account to remain active has been reduced from Rs 6,000 to Rs 1,000. It is a mix of equities, fixed deposits, corporate bonds, liquid funds and government funds. Based on your risk appetite, you can decide how much of your money can be invested in equities.

5. Public Provident Fund PPF

Since the long tenure of PPF is 15 years, the effect of compounding of tax-free interest is huge, especially in the later years. Also, since the interest earned and the principal invested is backed by a sovereign guarantee, this makes it a safe investment. Remember, the interest rate on PPF is reviewed by the government every quarter, so if you are also worried about your money, then you can invest your money here.

6. Bank Fixed Deposit Bank fixed deposit (FD)

A bank fixed deposit is considered a relatively safe (compared to equity or mutual fund) option for investment in India. It is a very popular and popular method of investing. Under the Deposit Insurance and Credit Guarantee Corporation (DICGC) rules, every depositor in the bank is insured for both principal and interest amount with effect from February 4, 2020 up to a maximum of Rs 5 lakh. That is why you can invest your money in Bank Fixed Deposit (FD).

7. Senior Citizens’ Saving Scheme (SCSS)

Probably the first choice of most retirees, senior citizens should have a savings plan in their investment portfolio. As the name suggests, only senior citizens or early retirees can invest in this scheme. Any person above 60 years of age can take advantage of SCSS from any post office or bank.

SCSS has a tenure of five years, which can be extended for another three years after the maturity of the scheme. The upper investment limit is Rs 15 lakh, and one can open more than one account. The interest rate on SCSS is payable quarterly and is fully taxable. Remember, the interest rate on the scheme is subject to review and revision every quarter.

However, once invested in the scheme, the interest rate will remain the same till the maturity of the scheme. Senior citizens can claim deduction up to Rs 50,000 in a financial year under section 80TTB on interest earned from SCSS.

8. Pradhan Mantri Vaya Vandana Yojana

PMVVY is for senior citizens aged 60 years and above providing them an assured return of 7.4 per cent per annum. The scheme provides pension income payable monthly, quarterly, half-yearly or annually. The minimum pension amount is Rs 1,000 per month and the maximum is Rs 9,250 per month. The maximum investment that can be made in this scheme is Rs 15 lakh. The duration of the scheme is 10 years. This scheme is available till March 31, 2023. On maturity, the investment amount is paid to the senior citizen.

9. Real Estate

The house you live in is for your own consumption and should never be considered as an investment. If you don’t intend to live in it, another property you buy could be your investment.

The location of the property is the single most important factor that will determine the value of your property and also the amount of rent it can earn. Investing in real estate gives returns in two ways – capital appreciation and rent. However, unlike other asset classes, real estate is highly liquidated. The second major risk lies with obtaining the necessary regulatory approvals, which have largely been addressed after the real estate regulator came in.

10. Gold

Keeping gold as jewelery has its own concerns like safety and high cost. Then there is the ‘making charge’, which usually ranges between 6-14 per cent of the price of the gold (and can go up to 25 per cent in case of special designs) still for those who want to buy gold coins. There is an option.

Nowadays many banks sell gold coins. An alternative way of owning gold is paper gold. Investing in paper gold is more cost effective and can be done through gold ETFs. This type of investment (buying and selling) takes place on a stock exchange (NSE or BSE) with gold as the underlying asset. Investing in Sovereign Gold Bonds is another option to own paper-gold. An investor can also invest through Gold Mutual Funds.

RBI Taxable Bonds

Earlier, RBI used to issue 7.75% Savings (Taxable) Bonds as an investment option. However, the central bank has stopped issuing these bonds with effect from May 29, 2020. These bonds were introduced from January 10 in place of the erstwhile 8% Savings (Taxable) Bonds 2003 with 7.75 per cent Savings (Taxable) Bonds starting from January 10 in 2018. The tenure of these bonds was 7 years.

The Central Bank has launched the Floating Rate Saving Bonds, 2020 (Taxable) with effect from July 1, 2020. The biggest difference between the earlier 7.75% savings bond and the newly launched floating rate bond is that the interest rate on the newly launched savings bond is subject to reset every six months. In 7.75% bonds, the interest rate was fixed for the entire tenure of the investment. Currently, the bonds are offering an interest rate of 7.15%.

What you should do?

Some of the above investments are fixed income while others are linked to the share market market. Fixed income and market-linked investments play a role in the wealth creation process. Market linked investments offer the potential for high returns but also carry high risks. Fixed income investing helps in preserving the accumulated wealth so that the desired goal can be met. For long-term goals, it’s important to make the best use of both worlds. Have a judicious mix of risk-taking investments,

last word Where to invest money

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