Top Investment Options in India [in 2020]

Investing in tax savings opportunities is essential. But your focus should not only be on saving taxes, but also on making your investments grow by a considerable amount.

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Introduction

Because there are several investment opportunities on offer today, it can seem a little overwhelming to pick the correct strategy. While investment strategies focus on the person’s risk tolerance, time frame, and other considerations, specific investing startups in India provide you with excellent options to begin your trip to wealth accumulation.

 

Top Investment Options in India

1. Mutual Funds

Mutual funds are the best and most efficient way to invest when you lack patience and experience in stocks. Collective equity funds have historically produced higher returns. With three years of profits ranging from 14 to 18 percent with funds like L&T India Value, Mirae Asset India, YSR Navasakam login, and ICICI Prudential Blue Chip. The mutual funds’ deposit will be a lump sum or a monthly SIP, up to Rs. 500.

Benefits:

  • Approx return per year = 16%
  • Years took to double the investment = 4.5 years.

 

2. National Pension Scheme

The NPS program is flexible at all places and jobs. The extra advantage is the income from savings in equities and bonds. Under Section 80C, your donation to the Tier I capital of Rs. 1.5 Lac is excluded. Furthermore, up to Rs. 50,000 tax incentives can be claimed. You can save here a lot of money. 

Benefits:

  • Approx return per year = 8% to 10%
  • Years took to double the investment = 7.2 to 9 years.

 

3. Public Provident Fund

In addition to the regular pension contribution, a significant percentage of tax will be avoided by saving in the PPF plan, and PACL refund as all donations are deductible under section 80C. In fact, at the time of retirement, all accrued capital and debt are excluded from the VAT.

Benefits:

  • More interest rate than bank fixed deposit
  • Returns are tax-free
  • Years took to double the investment = 9 years.

 

4. Real Estate Investment

Residential property portfolios produce daily rental revenue and appreciation. All have the lowest risk relative to investing in equities. The increase in residential investment is due to people seeking better urban housing and public housing initiatives.

Benefits:

  • Approx return per year = 11%
  • Years took to double the investment = 6.5 years.

 

5. Stock Market Investment

Building on high return potential, stock investment is one of the preferential investing options. Because equity investments bear a little more risk, they do produce high returns. If you know how to buy in the right stocks at the right time, you should expect a good profit.

Benefits:

  • Approx return per year = 14-18%

 

Conclusion

The investment avenues listed above are focused on market analysis done by students of summer internships. While some investing approaches, such as PPF and NPS, are risk-free, specific structures such as mutual funds and capital exchanges are volatile and allow you to take action with the backing of a lawyer. 

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Aakriti Suri
Aakriti Suri
Aakriti is a MBA student who believes in extremes. She has been using writing to express herself in a better way. She believes that she is not much of a writer but a sharer instead.

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