Last Updated on
Most investors want to make huge profits with their invested money, while some are a little shy in investing their money, and are often seen as keeping their money in the savings bank account. In India, most people refrain themselves from taking any risk at their investment and want to play safe. However, there’s a section of the population, who want to earn sky limits profits with the risky investments.
Let’s discuss all those Top 10 Investment Ideas in India, which can be risky or safe and can be the best choices for the people in India for both the mindsets:
- 1 Direct Equity – Investment Ideas in India
- 2 Equity Mutual Funds – Investment Ideas in India
- 3 Debt Mutual Funds – Investment Ideas in India
- 4 Bank Fixed Deposit – Investment Ideas in India
- 5 PPF – Investment Ideas in India
- 6 Real Estate – Investment Ideas in India
- 7 Gold – Investment Ideas in India
- 8 NPS – Investment Ideas in India
- 9 Post office Term Deposit – Investment Ideas in India
- 10 Cryptocurrency – Investment Ideas in India
One of the riskiest Investment ideas for the people in the country, exposure to direct equity is not everyone’s cup of tea. In fact, those who have sailed through this ocean, have gone on to become rich, while those, who can’t have lost everything in the process. There’s no guarantee of returns and everything depends on your wisdom, on which stock to choose, what should be the entry and what should be the exit. The returns on the investment can be anything, and when taken as an average the rate of returns is seen as exceeding 11%.
Among the Top 10 Investment Ideas in India, the Equity Mutual Funds are the ones, which I highly dependent on how the mutual funds are being managed. You can either do it on your own or your fund manager can do it in your place. The Equity Mutual Funds is considered as a safer option than the Direct Equity and the average rates of return are seen as healthy 15%, depending on the investment period and other factors.
For the safe investors, and those who are looking to have the steady returns on their investment, the Debt Mutual Funds are the best options among the Top 10 Investment Ideas in India. These tend to be less volatile and are also less risky as compared to the other two mentioned above. The Debt Mutual Funds utilize the fixed interest generating schemes like government securities, corporate bills, treasury bills, and commercial paper and other such and the average rates of return are about 7%.
Considered as the safest option among the Top 10 Investment Ideas in India, the bank fixed deposit allows the people to keep the funds as fixed, with the average return of around 6.5 per annum. No huge planning is involved, and no risk is involved, and all you need is to contact your bank for the fixed deposit scheme and you are done!
PPF or the Public Provident Fund is another favorite among the people of India, who like to stay safe in their investment process. The PPF has a long tenure of 15 years, and is compounded as tax-free interest; the impact on the overall return is very high. The PPF is a safe investment, especially if someone is looking for the longer term and safer way as it’s guaranteed by a sovereign guarantee.
The Real Estate is another favorite among the people of India, where a huge section of people is seen as investing their money to buy property in hope to get good returns in the future. But, there are certain aspects, which need to be seen while investing in the real estate and a person need to be sure over the choice for the better returns. Also, seeing the last few years’ trends, the real estate hasn’t been so favorable in terms of returning profits. Make a wise decision with the correct choice of real estate before investing money in real estate.
Gold has been one of the top 10 Investment Ideas in India for quite a long time now. Many people love to buy gold, in hope to get better returns. While, investing in Gold is completely safe, there are some risks associated like being stolen, etc. Thus, the investors need to keep the gold in the lockers, to make it safe and thus increasing the cost in the process.
National Pension Scheme or NPS is a long-term retirement focused investment plan, which is managed by the Pension Fund Regulatory and Development Authority and is a mix of equity, fixed deposits, corporate bonds, liquid funds and government funds and others. It completely depends on the risk appetite of the investors and based on that, the person can decide on how the money should be exposed to the equities etc. The rate of returns can be anything based on investment exposure and duration, and anything around 10% can be an expectation as the rate of returns.
Considered for the shorter term, the Post office Term Deposit is for the duration up to 5 years. With the Post office Term Deposit, the rate of returns is fixed, which can be around 7%. The Post office Term Deposit can be considered as the safer Top 10 Investment Ideas in India
The most volatile and most unpredictable Top 10 Investment Ideas in India is the investment in Cryptocurrency, which has gathered pace in the country for the past few years. Mostly famous among the younger generations, the Cryptocurrency investment can get you rich within a short time, but at the same time, can take out chunks of money from your portfolio, if luck fails, and even if the wrong selection of coin is made. The Cryptocurrency investment can make you rich within a short time, and that’s the only aspect, which is making it famous among youths.