What are the Best Investment Plans in

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What are the Best Investment Plans in India?
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• Indian households are always looking for an
  optimum investment plan that enables them to grow
  their savings significantly. However, due to lack
  of knowledge and unrealistic goals, they end up
  compromising with a less efficient plan or select
  the one that is inappropriate.
• Well, the need of the best investment plan
  cannot be overlooked as India is facing an
  ever-rising inflation, and thus long-term
  financial goals are looking far-fetched.
  Therefore, one must look for the best investment
  plan that supports your financial goals.

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• If you are looking for the best investment
  plan in India, then we list the most popular
  options available to you
• Bank Fixed Deposits (FDs) The most common and
  simple product, FDs are a good plan for
  beginners. Interest rates are higher, especially
  for public sector banks and are simple to handle.
  But, early withdrawal has a penalty, and they
  earn less than corporate deposits.
• Public Provident Fund (PPF) Another traditional
  method, it is often selected by the salaried
  class. The return is almost 9, and it is decent
  for 30 tax bracket people. The time span is high
  that is 15 years, and you cannot withdraw before
  the maturity, but the risk is the lowest. Another
  variant available is Employee Provident Fund
  (EPF).

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• Mutual funds It is a safe and healthy investment
  alternative. These are trusts that are managed by
  professionals and invest in various asset classes
  like equity, debt and money market instruments.
  There is a variety of schemes available, each
  catering to different objectives. There are funds
  like Reliance ELSS for saving taxes, and there
  are diversified funds that offer optimum risk
  management.
• Short-term investors prefer money market
  funds that earn a return ranging from 5.5 9
  and, unlike FDs, offer very high liquidity and
  simplicity.
• For long-term investments, they are a good
  alternative of PPFs. Plans like Systematic
  Investing Plans (SIPs) and Systematic Withdrawal
  Plans (SWPs) are very popular and allows
  investors to explore capital markets and generate
  a large corpus, in the long run, thus, many
  prefer them for retirement planning, etc.
• National Savings Certificate (NSC) It is an
  option that has a time span of 6 years and tags
  along many government subsidies. One can start
  from R.s. 100 and interest rate is 8.
• Gold/commodity investment Precious commodities
  like Gold and other valuable objects are very
  common in India. For beginners, gold and silver
  investment can confront inflation but only to a
  certain extent. This is because it does not have
  much utility. Other options like gold ETFs can be
  a useful alternative to physical gold investment.

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• Tax saver bank deposits Just like the bank fixed
  deposits, the tax saver bank deposit is a safe
  and certain investment. It is a good way to get
  some tax benefit that can juice up return.
• Monthly Income Scheme If one is looking for an
  instrument that can give a monthly income, then
  Monthly Income Schemes is definitely a god
  option.
• Savings Account A reasonable place to keep
  short-term funds but for a considerable amount of
  money one would need to consider a FD or some
  other instrument that can yield higher.
• Fixed Maturity Plans Contrary to its name,
  fixed maturity plans have no guarantee or
  indication of returns. They are very different
  from the other instruments mentioned here. Fixed
  maturity plans give FD like returns and some tax
  advantages too.

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• These are some of the Best Investment
  Plan in India explained for beginners. All of
  them have their own pros and cons choose them
  based on your suitability. You must be aware of
  your risk profile, financial goals and investment
  horizon while considering any plans.
  Subsequently, you can consult your financial
  advisor for any clarification and make an
  informed decision.
• Make your wise decision for a sound financial
  future!
• Source http//www.quantumbooks.com/business/finan
  ce/what-are-the-best-investment-plans-in-india/

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