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Top 10 Best and Safe Investment Options in India

Best Investment Options in India

Who doesn’t want a comfortable financial cushion for a happy and secure life? But not everyone knows the secret of making money work in their favor. While we all believe in saving a part of our earnings for the rainy day, getting secured, sky-high returns from the invested money is a trick that only a few of us have mastered.

But don’t stress yourself. In this article, we bring to you the 10 best and safe investment options in India that can not only help you grow your funds but also get high returns on your hard earned money.

1. Mutual Funds

One of the most popular profit-making avenues in India, mutual funds promise to give you favorable returns on investment. There are various portfolios where you can invest, equities and bonds being one of them. But while mutual funds offer high rewards, they come with high risk as well. Therefore, it is best to consult an expert financial advisor before making a purchase decision.

Today, there are multiple investment options in India that can help you easily grow your funds. But each one of them carries some risk of losing the principal money. So, while deciding on an investment avenue, you must carefully study the market and match your risk profile with the saving plan that you want to buy.

2. Real Estate

In India, real estate investing is considered as the best and the safest bet. Not only does it offer bigger, better returns, it also helps you build an asset – your dream house – one that you can cherish for your lifetime. Real estate investment is definitely the best decision among all saving options since the rates of property rise within every 6 months and investing options in real estate are infinite.

To buy property in India, all you need to do is to strategically plan your goals – whether you want to purchase a house for your own living, for a rental income, or solely for an investment purpose – and then get in touch with a professional real estate agent who is a connoisseur in the field.

While property buying in India can help you build an asset too, which usually becomes difficult as the time passes and more responsibilities come in, you can also consider investing in real estate ETFs, real estate mutual funds, publicly- traded REITs. This way, you can not only reap the benefits of growing real estate prices but can also keep your liquid funds intact.  

3. Public Provident Fund

If you are a no-risk taker and are keen on long term savings, Public Provident Fund is just the right option for you. Popularly known as PPF, this is probably the only money-making option in India that gives you compound interest on your money and tax-free returns on your savings. You can open a PPF account in a bank and continue your account for 15 years, with an extension of another 5 years.

4. Gold

Gold is one of the oldest funds saving options in India and is considered as a popular asset. While the gold market is not currently doing as well as it used to in the previous years, it offers you various new ways to invest – gold deposit scheme, gold mutual funds, gold ETF, and gold bars are some of them.

5. Unit Linked Insurance Plans (ULIP)

Here, not only do you get to grow your money through bonds and equities, but you also get life protection via insurance. In ULIPs, a part of the premium earned is invested into stocks prescribed by you. The remaining is paid towards your life insurance cover. Since it is a market-based scheme, some amount of risk is involved.

6. National Pension Scheme (NPS)

NPS is a retirement-focused saving scheme and is being run by the Pension Fund Regulatory and Development Authority of India. It is a fine blend of fixed deposits, equity, corporate bonds, government funds, and more and offers you two different ways for growing your funds – Auto and Active. While in the former the funds get automatically invested into one or multiple assets, in the later, you are allowed to make an investment choice.  

7. Initial Public Offerings (IPOs)

IPOs are once in a lifetime opportunity and are a lucrative option. Since IPOs are usually launched by reputed companies, the chances of higher returns are usually more. But IPOs come with unique risks and market-based uncertainties.

8. Bank Fixed Deposit (FD)

Like gold and real estate investment, FDs are also one of the oldest and safest investing options. FDs offer fixed returns on your invested money and you can get the interest paid monthly, quarterly, half-yearly, yearly, or right at the end of the tenure.

9. FMPs

These are short term wealth accumulation schemes that offer safe and quick returns. FMPs are also a kind of mutual funds that have tenure for less than 1 year. However, this is not a tax-free scheme and thus the money should be invested only after keeping your financial goals in mind.

10. Stock Market Investment

This is a simple and rewarding real-time money-making scheme that offers you both short- as well as long-term monetary gains. Stock investments, however, are subject to market risk and you should consult the experts or financial advisors before investing in the stock market.  

Thus, with the right knowledge and skill-sets, you can easily invest your funds for a stable and healthy financial future. But you should never stick to one type of investment scheme; instead, you must always aim at having a judicious mix of various saving schemes for fund diversification and quick capital gains.


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Best Investment Options in India
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