Medium term investment options in india

By: Suslik512 Date: 25.06.2017

Long-term investing is all about getting into the right investments and waiting it out patiently till you are ready to redeem them to meet your financial goals.

Long term investments offer several advantages. They compound interest like fixed deposits in a bank and are more tax efficient like certain mutual fund investments. Long term investments are held for 3 years or more, but these kind of investments need commitment even if you face financial crunches in between. Long term investments give superior returns whenever it matures. There are several long term investment options available and you must choose one carefully depending on your financial goals and the risk factors attached to the investment plan.

Here are some long term investment options for you —. One of the most popular investment options in the country, the Public Provident Fund is with an interest rate of 8. It has tax benefits under section 80C and also the interest income is exempted from tax. PPF is particularly relevant for individuals with a low risk appetite looking to save money over the long term for retirement planning or any other long-term financial goal.

Investors with higher risk appetites can also invest in it to balance their investment portfolio. Contributions to PPF as also EPF Employee Provident Fund qualify for tax benefits. A maximum investment of Rs 1. The interest rate on the PPF is market-linked and reset every year. The PPF matures in 15 years. Investing in stocks is another option however though there is no guarantee that you will gain any returns.

You can opt as a part of the portfolio and percentage of allocation should be based on the risk capacity. These are for people who want to invest in bonds and equites in order to balance the risk and return. There are several types of funds in which one can invest depending on its risk capacity. Or you can also opt for Systematic Investment Plan SIP which reduces the market risk by building a portfolio in a longer duration with small investments at regular intervals.

Real estate is a booming industry in our nation. It has great prospects in all the sectors like hospitality, commercial, retail, housing, manufacturing etc. People who have received huge cash benefits from prior investments can invest in real estate. If you find investing in stocks risky then bonds provide a safer option. A 10 year government bond gives an interest rate of 7.

An all-time favorite investment product, you can invest in gold in any format — Gold bar, Gold ETF, gold mutual fund, gold deposit scheme etc. Unit linked insurance plans, also known as ULIPs invest in debt markets and equities. Unit-linked insurance plans or ULIPs invest in asset markets — equities and debt. For this reason their portfolio witnesses ups and downs which is captured by the net asset value NAV , usually published at regular intervals.

All purchases and redemptions in the ULIP are at the NAV plus a load, if any. ULIPs usually offer a wide range of options across equity and debt markets. ULIPs offer tax benefits under Section 80C. The maximum deduction that can be claimed is Rs 1. Redemption proceeds are tax-free under Section 10 D and hence ULIPs also play the role of ideal tax free investment options in India.

Mutual funds that invest in stockmarkets are a must-have for long-term investors. These long term investment plans diversify across stocks and sectors to ensure they make the most of emerging trends in stockmarkets. Go for well-managed, well-diversified equity funds with long-term track records across market cycles. Enter the fund with a horizon of at least five years to give the investment an opportunity to record long-term gains. If you are looking for tax benefits, opt for tax-saving mutual funds, also called ELSS or equity-linked saving scheme.

These mutual funds work like regular equity funds except that they have a three-year lock-in. They offer tax benefits under a maximum investment of Rs 1. Redemptions are tax-free under Section 10 D. Mon-Sat 10 am to 7 pm Local Charges Applicable. DO NOT prefix any country code e. Our vision is to provide innovative and customer-centric insurance plans that can help our customers secure their family's future as well as help them with other benefits such as tax savings.

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medium term investment options in india

Home Insurance Knowledge Centre Investment 8 Good Long Term Investment Options for Here are three good long term investment options for investors: Best Long Term Investment Options Tax Benefits Offered Ideal For Below Mentioned Goals 1 ULIPs Unit Linked Investment Plan Under Section 80C and Section 10 D.

Maximum deduction that can be claimed is Rs 1. Maximum investment of Rs 1. For tax benefits, opt for tax-saving mutual funds, also called ELSS or equity-linked saving scheme. Here are some long term investment options for you — PPF and EPF One of the most popular investment options in the country, the Public Provident Fund is with an interest rate of 8.

Stocks Investing in stocks is another option however though there is no guarantee that you will gain any returns. Mutual funds These are for people who want to invest in bonds and equites in order to balance the risk and return. Real Estate Real estate is a booming industry in our nation. Bonds If you find investing in stocks risky then bonds provide a safer option.

Gold An all-time favorite investment product, you can invest in gold in any format — Gold bar, Gold ETF, gold mutual fund, gold deposit scheme etc. ULIPs Unit linked insurance plans, also known as ULIPs invest in debt markets and equities. Equity funds Mutual funds that invest in stockmarkets are a must-have for long-term investors. Compare Life Insurance Plans and Policies How to Save Tax with Insurance? HDFC Life Super Savings Plan How to File Income Tax Returns Online Small Investment Options In India Income Tax Changes In Budget Section 80 D Limit.

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Best Investment Options & Plans in India - For Short/Medium/Long Term

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