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Top 12 Investment Plans in India

In today's world, there is no passing through a single source of income. Everyone desires a side income. By the way, there are many sources of side income.

Investment

But today we will talk about Investment sources. Investment is a source of income in which profit is considerable.

Nowadays every person likes to invest whether it is a small or big investment.

In this blog, I will talk about some such sources.

Top 12 Investment Plans in India


Initial Public Offer(IPO)


Initial public offer (IPO) or stock market is a type of public offering in which the company sells shares to institutional and individual investors.
Initial public offer



That is used to raise new equity capital for companies.

Benefits of IPO


  • Diversifying equity base
  • Enabling cheaper access to capital
  • Increasing prestige and public image. 

Disadvantages of IPO


  • The requirement to disclose financial and business information. 
  • In this Investment, the risk is very high. 
  • Loss of control and stronger agency problems due to new shareholders. 

Investment period 7-11 Days you can withdraw in this period.

Rate of interest: 20%

By ROI 5 years taken to double your money.

Equity Linked Saving Scheme (ELSS)


The Equity Linked Saving Scheme is also known as ELSS. a lock-in diversifying equity schemes offered by mutual funds in India.
Equity Linked Saving Scheme


Equity Linked Saving Scheme can be invested using both SIP(Systematic Investment Plan) and Lump Sums Investment options.

Rate of interest: 15-18%

After 5 years you can double your money.

Mutual Fund Investment


A mutual fund is an open-end managed fund that offered to many investors to purchase securities.

This can be investors, retail, or any institution. Click here to buy Mutual funds.
Mutual-fund



Every Investment has its advantages and disadvantages. Similarly, mutual funds also have advantages and disadvantages.

Advantages of Mutual Funds


  • You can start an investment in only 500 Rs.
  • Our economy gets scale and score.
  • Diversification arises. 
  • Liquidity increases. 
  • Professional management is also encouraged.

Disadvantages of Mutual Funds


  • Fees
  • Less control over the timing of recognition of gains. 
  • Less predictable income. 
  • No opportunity to customize. 
  • In this fund risks are high. 

All Investment funds are not our mutual fund. Alternative structures include unit investment trusts, closed-end funds, and exchange-traded funds (ETFs). That's why it a good investment plan.

All these alternative structures have similar similarities. Liquidity due to trading on exchanges within all.

Rate of interest: 16% 

By ROI 6 years taken to double your investment.

Fixed Deposit (FD)


A fixed deposit is a financial instrument carried investors by banks or NBFCs.

The interest rate of fixed deposits is higher as compared to savings accounts.
Fixed deposit - Investment


We know fixed deposits by many names like a term deposit, time deposit, and bond, etc.

A fixed deposit is that money cannot be withdrawn.

Benefits of Fixed deposit: -


  • Customers can avail of loans against FDs.
  • This account of any residents of India opens in 7 days.
  • Investing in a fixed deposit earns you a higher interest rate than depositing your money in a savings account.

Rate of interest: 8%

By Rate of interest 11 years taken to double your money.

Unit Linked Insurance Plans (ULIPs)


Unit Linked Insurance Plans. This is a product offered by insurance companies. A unit Linked Insurance plan This is a combination of insurance and an investment vehicle.
Unit Linked Insurance Plans



One part of the premium is provided to utilized insurance coverage for the policyholder and the remaining part is invested in equity and debt instruments.

Rate of interest: 9%

11-12 years taken to double the money.

Commercial Real Estate


We all know commercial real estate as commercial property. The building is purchased within so that it can be a profit generator.
Commercial real estate



A lot of properties come in commercial real estate such as office buildings, medical centers, malls, and garages.


In many states residential property containing more than a certain number of qualifies as a commercial property for borrowing and tax purposes.

Rate of interest: 8-9%

As a result ROI 10 years taken to double your money.

Bond Investment


Bond is a Finance is a financial instrument that is the indebtedness of a bond issuer to the holders. The most popular bonds are municipal bonds and corporate bonds.

Bond is a debt security, in which the issuer owes the holders a debt.
Bond - Investment


He has to pay interest and repay the principal amount at a maturity date.

Bonds and stock are both securities but there is a huge difference in the two is that stockholders have an equity stake in a company, whereas bondholders have a creditor stake in the company.

Rate of interest: 7-10%


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Recurring Deposit


Recurring deposit is offered by the bank to make a deposit a fixed amount every month into their recurring deposit. This deposit is mature on a specific date.
Recurring deposit



The minimum period which is a recurring deposit is six months and the maximum is 10 years.

The rate of interest offered is similar to that of a like fixed deposit.

Rate of interest: 7%

Monthly Income Scheme of the Post Office


The post office monthly income scheme by the Government of India.

Which allows investors to save a specific amount every month.

Subsequently, interest to be added to his Investment.

Rate of interest: 7.7%

Public Provident Fund (PPF)


Public provident fund is a savings-cum-tax-saving instrument in India. The objective of this scheme is to mobilize small savings by offering an Investment with reasonable return combined with an income tax benefit.
Public provident fund - Investment


Initially, you need at least 500 Rs to open and maintain PPF A/C.

Features of PPF


  • The minimum amount is Rs 500 to open a bank account.
  • Interest received is tax-free. 
  • The interest earned on the PPF.

Rate of interest: 10%

Therefore, ROI 10 years taken to Double.

National Saving Certificate (NSC)


National Saving Certificate This is a Government of India Saving Bond primarily used for small savings and income tax saving Investment in India.
National Saving Certificate



Consequently, you can buy from it any post office.
"National Saving Scheme" is now this certificate in electronic mode.

Rate of interest: 7-9%

By ROI 9 to 10 years taken to double your money.

As a result of the low-interest rate, it gives you low but it gives you some profit.

Investment in Gold


Of Course our precious metal and gold it is very popular for Investment.

Most investors buy gold so that they can especially use it for futures contracts and derivatives.
Investment in gold


Investment of gold is more secure than any other precious metal investment.

Rate of interest: 10%

9 to 10 years taken to double your money.

Because of Rate of interest is high you can earn more profit in the future.

Conclusion


Last has just to say. Whenever you invest, whether told by me or by someone else. Just do this by analyzing the market situation. Investment is always a good option as a side source of income.

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