|Author: Mahesh 04 Apr 2016 Member Level: Gold Points : 4 (Rs 4) Voting Score: 0|
Only risk free option is government investment. They are not exactly insured but considering stability of government schemes, those don't end up with low interests like commercial schemes. Schemes such as PPF, Sukanaya samridhi scheme, NPS and Post office MIS plans are safe.
One thing to note here though, these investment schemes fetch very low interest. Also over a period of time, such schemes are also fetching less interests. So if you wish to beat inflation then you should not use them as only means of investment.
NPS also known as national pension scheme fetches better returns considering it is more for the equity oriented people. In case of PPF and EPF the interest rates are 8.6%. They don't earn much but they are secured investment and you can find that they can be a good for time bound investment options. In case of post office MIS investment, the interest is very low but it is another option to secure your investment.
In short here are your investment options :
1. PPF (if you don't have EPF already)
2. Post office MIS
4. Sukanya samridhi acocunt (if you have daughter)
Do note that interests or returns from secure investment options do not beat inflation. However they are important considering you don't end up taking too much risk in the equity.
I suggest you to diversify in PPF and ELSS if you wish to secure your investment and also wish to grow the money.
|Author: sathish chandrasekaran 04 Apr 2016 Member Level: Gold Points : 3 (Rs 3) Voting Score: 0|
There are two things i would like to suggest:
Zero Risk Option:
PPF is the safest option and the returns are maximized if deposited between 1st and 5th of April every year. If you are employed then EPF is one component and you can also opt for VPF (Voluntary provident fund) for a pleasant retirement life.
Low Risk Option:
Small Stocks, there are stocks listed in NSE and BSE which are priced between 5 rupees to 100 rupees which are promising for long term investment. Also there are blue chip companies which are little risky but can be real deal if played rightly.
|Author: [Anonymous] 06 Apr 2016 Member Level: Diamond Points : 3 (Rs 3) Voting Score: 0|
As per my knowledge, the best investment options are banks deposits and PPF accounts. One may consider it as low value return option but these are the safest options.
People who have excellent knowledge about share markets and have great grip over it, may invest in top rated shares, but please note that share market is never considered as risk free option for investment.
Some other options are post office fixed deposit accounts and post office based recurrent deposit accounts.
For long term investment, one may consider property as a good option for investment. This will give you good returns in long terms.
|Author: Venkiteswaran. 06 Apr 2016 Member Level: Diamond Points : 3 (Rs 3) Voting Score: 0|
There is no investment with zero risk.
However as of now bank deposits and next Post Office deposits are relatively less risky. However the returns are also less. Higher the return, higher the risk. Hence one has to take a considered choice at an optimum level of risk and return.
There is no hundred percent insurance for investments. The Deposit insurance for bank deposits also is a meagre amount . Hence insurance cannot be considered at all.
Govt backed schemes like PPF, and other small savings instruments or govt bonds carry less risk.
However as prudence requires, you may allocate your surplus for investment on different platforms like Bank deposits, Gold, Property and shares of established and profit making companies as per availability of funds and time of lock-in-period and you risk perception.
|Author: Timmappa Kamat 08 Apr 2016 Member Level: Gold Points : 3 (Rs 3) Voting Score: 0|
Best risk free investment as far as my knowledge goes is Fixed Deposit. You may also opt for other government investment options like PPFs, NSCs etc.
1. The Fixed Deposits interests accrued is qulified for rebate from tax if opted for a period of 5 years. The interest rate prevailing at the time is 7.1 to 7.9 per cent depemdimg on the tenure.
2. The National Saving Certificates or NSCs have no limit for investment. You can invest any amount and the investment amount upto One Lakh per year qualifies for rebate under income tax rules.. The scheme is best suited for salaried class and businessman alike. Rate of interest is 8.1 per cent as per the latest information.
3. PPFs or Public Provident Funds are best options if you are looking for a long term investment. The scheme offers returns at 8.1 per cent at the rates prevailing currently. You can invest upto Rs. 1.5 Lakh per year.
4. Another good option would be to invest in MIS - Monthly Income Scheme. The rate of interest is 7.8 per cent. The corresponding amount is payable monthly. You can invest a maximum of 4.5 Lakhs in case of a single account and 9 Lakhs in case of a joint account.
|Author: Anilkumar 11 May 2016 Member Level: Silver Points : 2 (Rs 2) Voting Score: 0|
1. you can investment in NSC (National Saving Certificate). NSC are available in Post office. NSC Certificate value Starts from Rs.100 to 1000. They give interest 9% par year. NSC certificate have locking period of 5 year.
2. Investment in Bank deposit. It was minimum risk
3. Investment in PPF (Public Provident Fund). In PPF you can get tax benefit also. Every one can apply for PPF