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How To Choose The Right Investment Option In India?

Updated On Aug 04, 2021

It’s a wise move to first save what you earn and then invest it. Financial experts and even our elders advise us to save money for the future. Banks do provide us with an interest on our savings. But, these days the savings have become quite negligible. Thus, the investment can be a better option. Through this, you can keep your principal amount intact and additionally there is a chance of having a good return. The investment options in India are many. The investing choices are available as per your needs. There are different ways to find a suitable one among the various investment options. 

People are overburdened with different types of expenses. Thus, most of you are even doing a part-time job after your office hours. If you keep on spending recklessly, nothing will be left for your future. Even if you have a dream about doing something big or wish to meet your emergency expenses, there will be just nothing left from your monthly income. Thus, a proper budget is required on how much sum you will spend from your income and what the amount for the investment fund is.

Top Investment Options Available

Following are some of the best investment options - 

  • Unit Investment Trust Funds

This can be one of your investment choices which are as safe as that of the mutual funds. These are also pooled investments where you can easily invest a small amount, say 10,000. Also, in this investment fund, you will get the fund manager who can easily manage your overall money available in your account. There is no locking or fixing rigidity in this type of investment account. You can withdraw the money anytime when you have financial emergencies.

  • Health Insurance Policy

There is a saying, ‘health is wealth’. It is correct. So long you have good health; it will be quite easy for you to work hard day and night to earn money. But, sooner you are sick and not physically fit to work, you won’t earn. Also, medical expenses are quite high these days. Thus, to get back to your good physical condition, it is very important to have a health insurance policy. The right investments will reap you a good profit in the future. 

  • Mutual Fund

The interest that you earn from investment in a Mutual fund is more than the conventional fixed deposit account. It is subject to market risk. But, the risk level is comparatively low when compared with the stock investing plan. It is very important to see investment options before choosing one. In the mutual fund investment option, you will get the fund manager. He can help you with the strategy so that you can decide on the investment.

  • Retirement Plan

If you are a safe player and are thinking about the long term benefit, this investment option will be one of the best for you. The investment strategy is a little different. But, it is one of the safest investment options available in the market. Planning for retirement is a very good decision as you won’t have a regular monthly income once you have retired. The target investment plan will easily help you to meet all your expenses.

  • Investment In Stock Shares

This is one of the high-risk investment plans that you can get in the market. You must have heard about Sensex rising and falling. Due to this the value of the stock shares is affected. But, if you have good knowledge about the stock market, you can gain in bulk. The traders always advise keeping the funds for the long term. This way the returns will be more.

  • Real Estate Investment

Buying land or a house is again a good investment option. Normally, the value of the land, apartment or house keeps on increasing in the future. If you see investment options, real estate investment is something you can seriously consider. Some of the experts dealing with the investment would always say that, if an individual does not wish to go for the fund investments, the choice will be investing in a property. You will get a good return in the future.

To Conclude

The market is flooded with a wide range of investment options. Right from the risk-free investment option to the one with the risk profile, the options are many for individuals with a different choice. Real estate investments are also one of the wonderful options available in the market. The developed markets have more investors and the option to gain through investments. Foreign stocks are also one of the wonderful options to earn high. Even the youths can start investing through the college savings plan. The retired people with no preference to invest in a risky fund can easily get the low-risk investment options through banks fixed deposit, pension scheme, post office monthly income scheme, etc.

Also read 

Term Insurance Or FD, Which Is A Better Option?

What Is The Need To Purchase A Term Insurance Plan?

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.        

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