Where to invest money in India for higher returns?
Stock markets are at peak now. You might be wondering where to invest your money in India now for higher returns. Gold and Silver prices are falling and Rupee is appreciating. How to invest money to get good returns. Now, is there any best investment option to invest in India to get better returns? How to invest your money in India safely and get maximum returns? I am going to touch upon some of the investment options which you can try investing in them now. These are not new investment options, but investing in right investment option at the right time can help you to get good returns. Where to invest your money in India in 2016? How to invest your money in 2016 to get superior returns?
Where to invest money in India for higher returns?
1) Invest money in stocks: Don’t laugh at me. You might be getting doubt that, can we still invest in stocks as markets reached peak. It would be high risk to invest in the stock market now. While this is true, the good part is that you can still invest in the stock market now. You can choose good stocks that have low beta value. Beta value of the stock indicates the volatility of stock compared to the Sensex. E.g. Infosys has a beta value of 0.57. Means for every 1% fluctuation in Sensex, Infosys would fluctuate with 0.57%. It could be an increase in Sensex or it could be declined in Sensex. Hence, investing in low beta value stocks would help you to stay invested in the stock market as well provide your low risk compared to other stocks during markets reaching the peak.
2) Invest money in Mutual funds: Investing in mutual funds through SIP helps you to overcome market volatility, hence you can safely invest in mutual funds. Just little caution is not investing large money now through lump sum investments in equity mutual funds. If you have a lump sum you can look for balanced funds, debt funds, liquid funds and ultra short term funds to invest. Investing in top performing mutual funds through SIP would always be better.
3) Invest money in tax saving options: While you can expect tax saving u/s 80C, you can get a good growth in your money by investing in tax saving options. You can invest your money in ELSS Mutual funds, PPF, NSC, 5 year tax saving FD schemes, etc., Investing in ELSS mutual funds can help you to take advantage of equity stock's growth as well provides you a tax benefit with lock-in period of 3 years.
4) Invest money in Secured Non Convertible Debentures (NCD): Many of us have a fear of investing in company FD’s and NCD’s that we may lose money. While some of the companies have cheated investors earlier, I believe in getting higher returns through secured NCD’s. E.g. currently Shriram Transport City Union Finance Secured NCD’s of Apr-2014 is going to open for subscription. These are secured in nature, hence carry less risk compared to other NCD investment options. Investing in such options would give you higher returns.
5) Invest in Bank Fixed Deposits/Recurring deposits: While I concentrate on other investment options, I would definitely invest part of my money in fixed income options like Fixed Deposits. These are safe investment options which provides you assured returns. You can refer our current and latest FD rates and invest.
6) Invest money in IPO’s: Like I indicated earlier, investing money in IPO’s in India would provide you with higher returns. In 2013, IPO’s have given more than 65% returns on the investment, hence I feel investors who have a high risk appetite could invest in IPO’s. IPO is a good option to invest money in India to get best returns.
7) Invest your money in real estate: Though I have not been investing much in real estate, I felt this was one area where I ignored and regretting now. Investing in real estate for medium to long term is always been giving higher returns. You could double or triple your money in 5 to 20 year time frame.
8) Invest your money in Gold: You might be wondering why I am advising you to invest in Gold when the prices are falling now. What is happening in the financial markets now? The stock market is increasing and gold prices are declining. Means these would react in an inversely proportional way. Do you know when the stock market declines are expected to fall? We may not exactly predict, but we can expect to happen anywhere after elections. Do you know what happens when the stock market falls? Yes, gold prices would increase. Investors would reduce their stock market exposure during market crash and invest in gold. This is what I have seen in the last few cycles. Don’t you think it is good bet to invest now in Gold and sell them after the market crash where gold prices would start increasing? You can invest in gold ETF's which are best option for investment in Gold.
Conclusion: Investing in above top investment options can help you to grow your money faster. Now stop thinking where to invest money in India to get good returns and start acting on them.
Happy Investing !!!
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Suresh
Where to invest money in India for higher returns
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Please advise how it would be to invest in portfolio management schemes
Hi Tejash, I am writing article about PMS, you can check our blog next week
Dear sir,
If you have interest means, i can give one business tracks to you. I am doing the research past 4 years in commodity trading. i have very successful source now. but am expecting for good supporter who can invest. Initially Just invest 1 lakh only. then i can multiple this amount 10 times more within 2 years. You can see this result within 3 to 6 months. For further details. Pl contact +91-9677073744
I have 25 Crore, how to invest?
We have Trade Platform and can give you good return.
We are consultants having good business opportunities from low end to high end please contact us.
if any1 want to invest in property or insurance in bhiwadi(the largest industrial area) near gurgaon.
then call me-8683091366
Nice information. I am new beginner. Can u please give me more tips for selecting correct mutual /balanced/ liquid fund and ipo
Hi Pankaj. You can invest in large cap funds like ICICI focused blue chip fund, Birla SL Front equity fund. For balanced funds, you can invest in ICICI balanced fund or HDFC balanced funds. Regd IPO, subscribe to our email you would get tips. Alternatively you can keep reading our articles regularly. You can select some of the Best IPO’s with our analysis
Hi
Sachin from Amritsar. I want to invest 10 Cr in safe investment and 5 Cr in fixed monthly return investment. I dont want to take risk at all. However I have liquid money arount 7 Cr for investment in Property only…Where to invest either in agriculture property or commercial? I have good amount o Gold (in Ginni Form) whether to retain or sell as prices are showing -ve return?
Dear sir,
If you have interest means, i can give one business tracks to you. I am doing the research past 4 years in commodity trading. i have very successful source now. but am expecting for good supporter who can invest. Initially Just invest 1 lakh only. then i can multiple this amount 10 times more within 2 years. You can see this result within 3 to 6 months. For further details. Pl contact
i want invest amount rs.15 cr plz sugest where should i invest.
Hello Mr Dharmendra..
You should go towards pre rented warehouses
Where you can get approx. 7-8 lakhs per month from the above said investment.
Hello …
I am vansh from New delhi…
I want to invest 3-4 crore so that I could get good return on regular basis.
So suggest me …
i want to invest 5 crore .where i invest
Sir if you mail me i would suggest you a business proposal where you can make use of your money for periodic profits .
I want to invest 80Laks. Guide me for best investment
I want to invest 10lakh every year,where to invest
You can look to invest in mutual funds through SIP so that your money grows over a period of time. You can invest in large cap and balanced funds. If you can take some risk, you can invest in mid-cap / small cap funds too
Suresh has beautifully answered the most asked question in the investment world. Considering the way stock markets are roaring in India, it is best way invest for higher returns. Stocks have been traditionally considered as risky business but after reading the article, I think wise decisions in stock can give better returns.
My per month income is 35K and i already started investing in LIC’s and also Fixed Deposit.
Where could i go ahead next so that i can expect a high return.
I have 250000 now I want safe investment for higher returns.
Hi I am Dinesh M.Com IGNOU student I Have 1Lakh Amount please send me any higher return investment scheme for 1year to 5year scheme, i want 1crore money.
I had invested in one of the company in Bangalore for 1 Lakh, you get 2,000 paid every week for 2 years.
So it will be 8,000/month. In two years you will make 1,92,000.
Where can i find companies like that…?
Hi, my name is ragu ram. I am having 100000 lacks i am planning to invest but i don’t know where to invest so pls help me some one…
Consult a financial advisor and invest the amount diversly
Hello, I want invest money 1 lakh in one year, so which is the best plan for investment and where.
Thaank you,
Reply
Hi I am manohar i have a good idea risk free for u r investment minimum 30laks ,in construction shuttering panel’s giving rent contact me for more details 9542544411
hi i want to invest money 5000 thousand 1 year, which is best plan for investment
where you are trying to saving your money and looking for profit, let also try to save breath by meditating on formless lord, who is giving us valuable breathe.
hello , i want to invest money 5 lakhs 1 or 2 years ,which is best plan for investment.
I m 28 yrs old. I earn around 4 lakh p.a. Expenses are around 50k per month. Where should i invest?
Expenses are around 50000 per year
I want invest 10 lakhs without tex
@ Samir chauhan
If you want to invest 10 lakhs and you also want to save money from tax then I have investment plan. In which you will be paying 0 tax and your money will be returned to you at the rate of around 650% at the end of the term.
For more information, Please contact +918460520885
To start an SIP what are the requirements and process. I dont hold a demat ac. But hold an HDFC ac.
You don’t need an demat account to start a sip. You can do it by visiting bank branch or a finance company
I’m looking for investment 75k leleme know where I’ll e good returns
Hello i am looking for a small investment 1 lac now and 5000 montly please let me know any idea from there i can get good saving and return
Dear Rahul,
Invest Rs. 50,000/- in FD
Invest Rs. 50,000/- in equity market
and for monthly sip is advisable.
you can invest in mutual funds one lump sum sip and 2 to 3 small amount of sip which u have to deposit months say u have 5000 invest in 5 sips 1000 each by doing that u can diversify your risk and get better return , best of luck
Hi
I am looking for good return with investing of 5lacs . Could u suggest me where to invest.
give it to me sir
Hi Maheshwari,
If you want to invest in stock market for 5 years then you should be ready for the risk factor. Anyway I don’t know why you need the money after 5 years. Do you have a plan? If you have some plan for which you need that money in 5 year then I think it is better to go with risk less products like FD. But if you don’t need that money soon then why don’t you plan for a longer span? May be you could keep that money for you retirement planning? Or part of that in retirement and rest in debt fund or FD.
Suresh, what do you think on this?
Hi Suresh,
I generally follow your blog and it really is an awesome blog.I do like it a lot and followed the same for SIP’s in MF wherein i am regularly investing 20K per month . Now i have a query , i am 36 year old and working . I do have a lumpsum money of 10 lakhs . I want to know an investment option wherein i can grow my money .can you let me know if investing this amount in stocks, MF’s(i am worried as NAV’s are already high and investing in MF,Stock at this juncture would turn risky) or Monthly Income Plans would be a better investment choice for a short span of say 5 years. What would be your suggestion for the same?
Regards,
Maheshwari
Hi Suresh,
I’m new to investments, where to invest 10,000rs monthly… for daugther higher education.
Invest in large cap and balanced mutual funds Kittu. Check this article about top funds. https://myinvestmentideas.com/2014/12/top-10-best-sip-mutual-funds-to-invest-in-2015/
where to invest rs 10 lac
Hi Sir,
I am a 36 years old investor presently I have invested 80400 pa in LIC jeevan Saral 20 years term period (till now I have paid 5 years premium), 25000 pa in Exide New Fulfilling Life Insurance term period 15 years (till now I have paid 2.5 years premium) and further investing monthly 10000 RD in DCB Bank for period 36 months.
Please can you comment if I need to continue these investments in Insurances if this is a viable option for me to get high returns or surrender the policies and start investing in MF SIP’s or PPF ? requesting your valuable suggestions and comments ?
Sir,
My wife is retiring in March. Where to invest her retirement funds to generate income.
Sir thanks for such a good blog. My question is if one has to make Fixed Deposit of Rs 50 lacs then will there be any tax on the capital amount(ie., Rs 50 lacs) being deposited in the bank for FD?
looking forward for your reply.
Thanks in advance.
Vikas
Hi Vikas, Bank would deduct 10% TDS if you submit PAN details. If not, they would deduct 20%. If you do not want them to deduct tax, you should submit form 15H/G to banks
Hi Suresh
Is it a good idea to remain invested in ULIPs? I had invested in ICICI Prudential Pension Multiplier fund and am not sure whether to redeem the amount.
If I redeem, what percentage of tax will it attract? I had started investing in 2008 and went on premium holiday after paying 3 premiums.
What would be a good investment option with the redeemed amount? The amount is not more that 3 lakhs.
Or, should I switch to a better performing fund in the same portfolio?
Could you please advise?
Regards
Guha, It depends. Check with your insurance company about surrender charges and ULIP allocation charges. Since you bough before 2009, they should have charged high ULIP charges. You should review and exit if required
i have 15,000 Rs. and property in uttam ngr ,tronica city, budh vihar where i can invest to get a perfect response
Hi Suresh
I am just 17 years old and want to invest Rs 49000 in a good investing options so that my money can grow faster…
Kindly suggest a good investing option.
Thanks
Aayushi Agarwal
Yeh Aayushi. Good to hear that at such at your age you wnat to invest. Since you want to invest lump sum, you can check this article and invest in mutual funds. https://myinvestmentideas.com/2014/12/how-to-invest-lump-sum-in-mutual-funds-in-india/
May i sold gold coins in this time, or suggest me what time is the best for sold .in future what the position of gold price ?
What about company fixed deposits? Any advice on those?
You can invest in top rated company FD schemes. Check this article. https://myinvestmentideas.com/2014/04/5-top-rated-company-fixed-deposit-schemes-for-superior-returns/
Thanks for your advice. However, I’d just like to mention that no content on your blog can be copied (as in Ctrl C). I am sure you have done it to avoid lifting of content but at the same time it is difficult to type out a full url. Maybe you could just make the urls clickable keeping everything else the same, Don’t know whether that’s possible though.
Thanks
Sure, thank you
PL. ADVICE ME HOW TO INVEST IN STOCKS AND PERFORM WELL .THOUGH I AN ALLREADY INVESTING IN THE STOCKS FROM 2009 BUT MY EXPERIENCE IS NOT SO GOOD. I INVESTED RS 2LACS IN 2009 BUT STILL ITS VALUE IS RS 130000 ONLY .PL GIVE ME THE RIGHT TIPS ,NOW I SCARED TO INVEST FURTHER IN THE STOCKS.
REGARDS,
SANJAY KR BURMAN
RANCHI,JHARKHAND
hi suresh,
thank you for a such a wonderful blog.
i have 1 lac. savings which i want to invest in funds or stocks whichever has good returns at every month as my monthly salary is not enough to cover my house expenses.
could you suggest which is better options ?
if stocks , is it better to approach broking agencines such as angel broking. or such. so they can handle my account.
Sir,
I am 21 year old and want to invest Rs.5000/pm what would be better to me as a beginner.
Hi,
I want to invest 30,000/month. Which is better for me.can any one guide me.
Thanks
Hi Suresh
I am working with an MNC and 34 years old. I have a saving of 15 lakhs in Fd / RD accounts and now thinkinf of investing somewhere else as FD/ RD do not have high returns but am very risk averse. I manage to save 45000 every month.
Can you suggest something for investment of 5-10 years and have higher returns. One option I am exploring is real estate but I saty in gurgaon wehere this is out of reach so am considering Bhiwadi but not sure what appreciate rate would be.
Could you suggest.
You can invest in mutual funds. You can look in these funds. 1) Large cap – HDFC Top-200 / ICICI Pru focussed blue chip fund 2) Mid-cap – HDFC Mid-cap opps fund / Franklin India smaller co’s / SBI Midcap fund 3) Balanced – You can check HDFC Prudence / ICICI Balanced fund.
I do not have a job. So in order to run my monthly family expenses, I am planning to sell off my property and invest the money for a monthly tax free return so that I can run my household. I would need Rupees 60,000/ per month to meet the expenses
Can you guide me on the best tax free investment option which will help me ?
Sir,
I want to invest Rs.25,000/-per year for my grand son for 10 years. Can you please suggest me best options?
You can review the following mutual funds. Quantum Equity fund, ICICI Focused blue chip fund, Birla SL Front line, HDFC Top-200 fund etc.
Dear Mr. Suresh, 1st I must thank you for such a good research oriented articles that helps many people. I have a question, I will retire after 5 years. I want to know where should I invest say around 40K per month or if I have some lump sum money to deposit. Don’t want to deposit with much risk.
Thanks and regards,
Arup
Hi Suresh,
Really appreciate your efforts on writing such a wonderful blogs. I would like to know the good mutual fund where lump sum amount in one time can be invested for 1 years ?
SIP is the best method of investment in equity mutual fund but for lump sum amount which type of MF is advisable.
Thanks !
Hitabha, Just wait for few days where my article would get posted on moneycontrol on this topic. You can review and invest then.
I’m 21 and just a fresher. I earn 20,000/- pm out of which I’m ready to invest 10.000/-pm. Could you please suggest some good schemes for me. Thank You.
Imran, you can look mutual funds as one of the good options. You can look for the following funds. Quantum Equity fund, ICICI Focused blue chip fund, Birla SL Front line, HDFC Top-200 fund etc.
i am superannuating after 04 month.I am 58 yrs. old.I will get lumsum 35 Lakhs after retirement.
Kindly suggest me some higher return investment scheme.
regards,
Hi,
I wanted to know more about the icici fund
Maximiser V$
Thanks
Elina
Hi Suresh.
Please suggest me few good investmenet plan where i can get good return after 5 to 10 years.
if possible please provide your email so that i can elaborate my investment to you.
thanks for the help in advance
Thanks
Elina
Elina, It depends on your risk appetite. If you can take some risk, you can invest in mutual funds in large cap and hybrid category.
Dear Mr.Suresh KP,
Thank you so much for your good work , and it’s well appreciated also.
Just became as a NRE, so for I don’t have any saving plan(neither movable nor immovable ).
After I read your post I am planning to start my savings.
Can you pls advice me which would be best option for me to invest in Bank FD or Real Estate?.
(For the next 5 years,(beginning with 10 to 20 lakhs per year).
My advance thanks for your reply.
Regards
If it is less than 5 years, you can invest in multiple options like balanced mutual funds, debt mutual funds and recurring deposits. Since you are NRE, you can get tax free interest on Bank RD / FD. Approach any Indian bank to open NRE FD/RD account first. You can also look to invest in hybrid funds like HDFC balanced / ICICI balanced funds.
I have 50 lac in nre account. Looking for a good and safe investment. Pl suggest.
Seema, For NREs, you can invest in NRE FD schemes which is tax free. Alternatively you can invest in debt mutual funds and do STP and invest in equity funds. You can look for the following funds. Quantum Equity fund, ICICI Focused blue chip fund, Birla SL Front line, HDFC Top-200 fund etc.
Dear, Seemaji
I’m a entrepreneur, I indulge in manufacturing of Organic jaggery, you may not believe but it is true that this business is really rewarding, that I can guarantee that the invested money can get more than 100% return in two years having without leverage and investing with is fully secured. You can contact me on 9035384834
Dear suresh
I am working for pvt co. my monthly savings around 30 k, where I can invest right now (iam 40 years old). I dont want to take much risk.
In such case, you can look for hybrid / balanced funds which generally comes with low to moderate risk. You should be willing to invest for 8-10 years and every month. This way you can get superior returns. You can invest in ICICI balanced fund or HDFC balanced fund or HDFC prudence fund
Hi Suresh
i am 25 year old software engineer & currently i am working at TCS. i have a monthly saving of Rs 10000, can you please suggest me where to invest where interest rates are unchanged means that gives me good fixed return after 5 years. i have to accumulate money for my marriage and want to buy a car after 5 year.
Thanks and best regards
Hiten
Hiten, Your time horizon is 5 years, however expecting fixed return for your monthly investment. This is possible only in bank RD’s. Alternatively, you can invest in balanced funds like ICICI Balanced fund or HDFC Prudence fund every month for a period of 5 years and expect 9% to 12% annualised returns. If you can invest for higher period, you can even expect higher returns
I want to invest 2 lakhs (NRE fund), per month over a period of 2 year.
Kindly guide me where to invest this fund. I have following investment in various areas under.
1) LIC : 26 lakhs policy + 6 lakhs for two child (total premium around 1.75 lakhs annually) taken in year 2011
2) Share around 75 lakhs in blue chip (i.e. HDFC, L&T, WIPRO, APPOLO etc.) taken in year 2012
3) Icici Prud. plus plan (Rs.20000/- PA) taken in year 2010
4) Bajaj Allianz plan (Rs.10000/- PA) taken in year 2006
5) i have 2 free hold property Current market value around 50 lakhs + 50 lakhs.
I m confuse where to invest this 2 lakhs fund. Please guide me where to invest with best possible return.
Regards,
Paresh
Hi suresh,
I’m 22, just started earning .I would like to invest 10k/month of my salary, where I expect the returns to be fruitful . I’m totally new to all these investments not even familiar with FDs and RDs. Can you please suggest me how to go about ?
Good to hear about you Mahesh. 1) Wherever you are holding bank account, check the recurring deposit interest rates and open recurring deposit account. 2) Open a MF account with Fundsindia or ICICI Direct. Mean while you can go through mutual fund article son this site. This would give you idea about the funds which are suitable to your risk appetite. Then you can start investing in such funds.
Thank you so much 🙂
hello Sir
I am 19yrs old pursuing CS if all goes well I will be certified CS next year. I current have a trading account having shares worth 1 Lakh and three SIPs of 1000 each and a balanced mutual fund of 10000 . my family is very comfortable i.e. i wont be needing money any time soon I have 1Lakh to invest where should i invest for a fixed return in range of 12-14%.
please suggest
Archit, Looks you are looking for fixed return range. If you are high risk taker, you can invest in any of the secured NCD’s which are offering 12% annualised returns. Keep reading our blog about latest NCD’s
Hi Suresh,
I have 25 lacs lumpsum in my hand. I want to invest with moderate risk with better risk beating the inflation. In what ratio i can invest in MF,Debt, and FD. I can deposit in 1 more senior citizen account number also. How much i can invest in senior account without tax implication.Thanks.
I have savings of 15k pm.i want to buy flat in delhi by dec’ 15, please suggest me best way to invest and get higher returns.
Best way to invest for short term is just invest in bank FD or RD. Within 1 year, you may not get good returns in mutual funds as debt funds are taxable now even after 1 year
Hi Suresh, I have gone through your article, its very informative. I need your guidance on investment plan for my retirement age. I am 34 year old and want to retire at the age of 50. I want to plan my retirement from now on so would appreciate your advise on the investment that I should do to get good return at my retirement age.
Thanks in advance for your suggestion.
Hi Indu, Disciplined way of investing in various invesmtment options would always help you to create good corpus while retirement. Start with Bank RD, invest in top mutual funds, invest some money in secured NCD’s. During your age of 45 to 50 slowly move to bank FD’s or debt related investment options to avoid market risks.
hello suresh kp my name is n.v.ramana im working in gvmc i planning buy a apartment in future 5 or 6 years i have Rs10,000 budget for a month so if any risk no probleum pl tell me what plan inevaste to me
Ramana, Consider taking some risk and invest in balanced funds like ICICI balanced fund or HDFC balanced fund.
sir,
i have 30 lakhs saving.my age is 34. i have a plan to leave qatar and stay in kerala, if i get a small job or not.this money now in my NRI account. i need to invest this in a good return fixed schems. i can invest this money in my name and wifes (tax saving).i have plan to invest in Muthoot or Manappuram secured NCD.whats your openion ? i already read your articles about risks. now i have totally confused. for a good living of my family , i need to get a safe monthly return on this money. please advise me a safe option to inve
Praveen, Manappuram / Muthoot finance NCD are high risk options. If you are high risk taker, you can park some of your money. Otherwise, you should invest in bank FD’s for time being. You can invest in liquid funds or short term funds and do STP to equity funds over a period of time. Your last question about getting safe monthly return, this can happen only thru bank FD or thru Post office MIS scheme.
Why don’t you buy one appartment with this 30Lakh saving in the city area like bangalore. You will easly get the rent of 15K per month. and After 5 year you could sell that appartment at double rate.
hi
if u want safe investment…….just invest in any good ARBRITAGE FUNDS.
you will get 8~9% tax free return after 1 year.
there is no other safe n best option at this moment.
all other ncd / fd etc are taxable and return is near abt or less than ARBRITAGE FUNDS.
just go for it and slowly slowy you can take out money of your need for buying property/
house expenses / doing business / investing in equity but only through SIP method for 5~7 years.
cheers^
Sir ,does icic direct deal with other company mutual fun ds also ,like hdfc mutual fund ,sbi mutual fund etc,.
Yes Rajesh. You can buy MF’s thru ICICI direct
Dear Suresh, Hope you are doing fine. Kindly seeking your personal advice.
I am investing in 5 different SIP – MF’s (5K ea) since 2012 and next mth going to finish 2 yrs. For my investment on 5.75 lacs over the period of 23mths, currently market value of my investment is 8.6 lacs giving me overall returns of 49.5% for which I am very happy. Pls need your advice, thinking of redeeming and getting this money on my account and go for FD for 3 yrs and to start over same MF’s again from beginning. Is this the right move or can I continue with my current MF investment for another 1-2 yrs? I am really confused as I dont want to loose these returns and hope you will suggest something. Thanking you for your valuable time in advance. Regards, Marcus
I have 5000000 and want to invest which will good retrun offcourse i am NRI..
Pls advice..
Hello Suresh,
Can you please provide me your suggestion. I am already investing in 4 mutual funds for long term but now I want to invest Rs 10000 per month for 3 to 4 years. Can you please suggest which funds should I pick and allocation.
Many thanks,
Vijay
Invest in these funds. 1) Large cap – HDFC Top-200 / ICICI Pru focussed blue chip fund 2) Mid-cap – HDFC Mid-cap opps fund / Franklin India smaller co’s / SBI Midcap fund 3) Balanced – You can check HDFC Prudence / ICICI Balanced fund.
Hello Suresh,
Thanks for the suggestion. Do you suggest putting in lump sum in mutual funds at this point of time or SIP is better for short term goal of 3 to 4 years. Also, would like to ask about your take on Quantum long term equity fund and whether it makes sense to invest in it for short term or long term?
Thanks,
Vijay
Invest thru SIP
Hi
I took a personal loan of Rs. 7 lakhs and invested in Shri ram Finance for 3 yrs @ 12%, which will mature on july 2016. There are no savings upto now. i want to start a PPF account, but i am NRI. 3 days back i again took personal loan of 3 lakhs.
i am confused to where to park the funds, i have a daughter of age 4 yrs. i want to save for her. Please give ur valuable advice.
Thanks and Regards,
Kumar raja
If you are NRI and planning to invest for long term for your doughter than I would suggest you to go for real estate. Buy plot as per your budget . You will definitely get more profit than any other investment without any risk.
I can share my personal experience that might help you to jump in to this.
I bought one plot of 1200 Spt at the cost of 5.30L in June-2014. Today (17-10-2014) the price of that land reached to 7:00L just in 2Month. I have not even completed my documentation and I got 7.0 offer.
Dont go for independent plot. Try to invest in society planning. Once the construction of society is done your land will become gold.
Best of luck
Sir,
Current market i high. And i have to invest in ELSS for taxsaving . Earlier i invested lumsm amount in ELSS funds there are now giving high returns. Shoul i invest lumsum in that now. Iam confused . kindly guide.
Go in SIP for any fund.
If you are belong to a low middle family then it is suitable for you all,
i am also following this
make an RD Account in Any Bank for long term you will get Return unbelievable Amount
as Rs. 1600 Per Month and get 10.5 Lac after 20 year
Year Return (Amt) Deposit(Amt)
1 62,966 60,000
2 1,31,880 1,20,000
3 2,07,258 1,80,000
4 2,89,707 2,40,000
5 3,79,891 3,00,000
6 4,78,534 3,60,000
7 5,86,431 4,20,000
8 7,04,449 4,80,000
9 8,33,538 5,40,000
10 9,74,737 6,00,000
11 11,29,181 6,60,000
12 12,98,113 7,20,000
13 14,82,892 7,80,000
14 16,85,004 8,40,000
15 19,06,076 9,00,000
16 21,47,886 9,60,000
17 24,12,380 10,20,000
18 27,01,685 10,80,000
19 30,18,128 11,40,000
20 33,64,256 12,00,000
21 37,42,854 12,60,000
22 41,56,966 13,20,000
23 46,09,925 13,80,000
24 51,05,375 14,40,000
25 56,47,302 15,00,000
26 62,40,064 15,60,000
27 68,88,432 16,20,000
28 75,97,622 16,80,000
29 83,73,338 17,40,000
30 92,21,822 18,00,000
Sir I have got incentives in this month. Can i invest lumsum amount in HDFC prudence fund in current market.
will it give better return comapre to Bank FD for 3to 4 years
Go for SIP to get good returns. You can invest in liquid funds and do standard transfer plan (STP) to such MF plan.
Dear Sir,
Many thanks. In liquid funds i go with sip or invest lumsum. Sir can you suggest some liquid fund.
Thanks
Sir,
One thing I want to share with you that what ever i know about financial things is by reading your portal articles. Now i feel proud that now i have atleast that knowlege where i can utilize my hard earned money.
Regards,
Mohan
Thank you for your kind words Mohan. Please share on your Facebook on some of the articles which you liked on our blog.
Liquid funds are only to park short term funds, it could be either lumpsum or monthly savings.
SIr I have a a running RD of OBC bank can i consider that also. Compare to liquid fund.
Liquid funds are generally parked short term money. If you have RD with OBC, it is for investment purpose.
Dear Sir,
FOr of all thanks for nicely written article! It is very informative.
You have mentioned about Gold Funds. Can you please explain Gold funds in more detail.
1. What should be the approach to buy these fundd?
2. How much one can expect over the tenure of 1 year.
3. Which Gold funds are specifically good.
Regards
Gaurav Goyal
Gold funds are just like any other mutual funds, however invests in underlying gold. The value fluctuates along with the price of the local gold prices. However do not expect any good returns. Instead of buying physical gold, you may buy gold mutual funds with some variance.
Very informative article. Thanks for the good work that you are doing.
I am planning to invest Rs 20 Lakhs But I am not sure where to begin. I can take risks and FD and PPF should not be more than 25% of my total investment. Can you please suggest a good breakup on the investments that I should make. The time frame could be upto 10 years.
I feel that E commerce is going to be a very bright sector. Are there relaible companies which you think we can bet on?
Waiting for your valuable gusidance.
Regards.
Hi,
I will suggest you to invest im MF as it is providing some good returns
Dear Mr.Suresh
I am working in Dubai and I would like to invest Rs1000000 for 5 please advise where I should invest
Hi Suresh,
I am an NRI and based in dubai for past 12 years. I have invested in NRE FDs and real estate market.
Now I would like to investment to high return other than mentioned above. Kindly let me know the best investment option.
Regards,
Balakrishna
Have you tried mutual funds, high rated Secured Non convertible debentures ? If not you should try them to get good returns of 12% to 15% per annum. Pls check our articles and invest in top rated funds and NCD’s.
Hi i am having 1.5lakhs. i need high return in safe manner without tax. what is the best way can u suggest me through mail id too..
There are several investment options which are tax free. Pls see this article. https://myinvestmentideas.com/2013/05/best-tax-free-investments-in-india/
hi,
I am private employee whose net salary per month is 25K.Please help me to plan my investment I can Save 15-17 K per month.So can anyone please help me to investment accordingly.
Invest in these funds. 1) Large cap – HDFC Top-200 / ICICI Pru focussed blue chip fund 2) Mid-cap – HDFC Mid-cap opps fund / Franklin India smaller co’s / SBI Midcap fund 3) Balanced – You can check HDFC Prudence / ICICI Balanced fund.
Hi Suresh,
I am working in Germany and planning to invest INR 8 lakhs for 5 years. At the moment I made following plan:
1) 4 to 5 lakhs FD in SBI for 5 years
2) 20000 RD in ICICI bank for 5 years
3) 20000 RD in Ingvyasa bank for 2 years
4) 15000 SIP in mutual fund (I am new in this sector so don’t have enough knowledge)
a. 5000 INR Scheme: ICICI Pru Exp&Other Services-RP (G)
b. 5000 INR Scheme: Franklin (I) Smaller Cos (G)
c. 5000 INR Scheme: Reliance Small Cap Fund (G)
Also what other options are good for me to invest in India so that I have received good return on my money by the time I return back to India
Thanks !
Manan, you are not looking for NRE FD schemes ? These should give 9% tax free returns to you. Other funds are good. Invest in large cap funds like ICICI focussed blue chip fund or Quantum long term eqity fund
Hi Suresh,
Thanks a lot for your informative reply.
I will do NRE FD. one more question, If I invest15000 INR in MF and If I buy 15 MF (1000 SIP/MF). Can I do it? does it make any sense? What are the MF charges?I have to pay MF charges Seperatly ?
Thanks and BR
Manan, MF brokers charge differently. e.g. fundsindia dot com does not charge any transaction charges. ICICIdirect .com would charge Rs 30 per transaction. Means if you are investing in 15 schemes monthly, you need to pay Rs 30 x 15 = Rs 450. You need to pay for each and every transaction.
I want to invest rs 1000 through SIP in mf. suresh sir, can u suggegt me which is the best scheme, belonging to which company, where i can invest for high returns now in mf, whose performance is the best now.
Invest in these funds. 1) Large cap – HDFC Top-200 / ICICI Pru focussed blue chip fund 2) Mid-cap – HDFC Mid-cap opps fund / Franklin India smaller co’s / SBI Midcap fund 3) Balanced – You can check HDFC Prudence / ICICI Balanced fund.
sir i am recently retiered penssioner and i want to invest Rs.20 lacs.. pl. suggest where i would to invest the money , i want a part of investment for regular return and rest for future
My husband expired 2 months ago.I have 2 children,one who is going to be 18 next month and one is 15.
1.How much should i invest in bank fd's and for what time so that my income from interest is away from the tax slab(i am a women,age<60).
2.If i invest some money in my child's account(who is going to be 18),would the interest earned be still counted as my income??
3.If i invest 1.5 lac in PPF,then is it true that only this PPF would be counted in my 80 C(as the limit proposed is 1.5 lac).
4. I am understanding the situation as follows:
Under 80 c,i can invest rs 1.5 lac which is non taxable.And if my bank account interest is more than 2.5 lac,tax would be deducted .
Even after using 80 c,this tax slab would remain only 2.5 lac
Is my perception correct?
5.If my daughter(who is 15)has a pan card,and if i invest some money in her account,the interest earned would still be counted on my name?
Sorry to hear this Richa 1) You can invest maximum of Rs 27.77 Lakhs so that 9% returns would be less than Rs 2.5 Lakhs (tax exempted). 2) Investment in your child would attract clubbing provisions as he is not earning any money now 3) Yes. Since maximum exemption u/s 80C is Rs 1.5 Lakhs, you can consider only this for this purpose 4) No. Your taxable amount would be after Rs 2.5 Lakhs. If 80C section is applied, you can get tax free exemption up to Rs 4 Lakhs. Means you can invest up to Rs 44.44 Lakhs and earn 9% returns where your taxable amount would be Rs 4 Lakhs. If you remove Rs 2.5 standard deduction and Rs 1.5 u/s 80C, you need not pay any income tax. 5) Clubbing provison would apply for this. Another best way is to invest in tax free bonds to avoid tax for any amount in excess of Rs 44.44 Lakhs per annum in bank FD
Hi..I wnt to invest 800000/- for better return per year,,please suggest me with my monthly exp is rs 10000/-
Anil, There were debt funds which were offering highest returns. However, now these are taxable as short term if you sell them before 36 months. Among the various options you can check 1) Investing in top rated Company FD schemes like Mahindra FD scheme 2) Invest in high interest bank FD scheme like ING FD scheme which offers 9.25% per annum.
I would like start SIP with 10000/ in 4or 5 TOP Performing Mutual funds. Kindly suggest me on this matter. I can invest on last day of every month in SIP for longer period.
Invest in these funds. 1) Large cap – HDFC Top-200 / ICICI Pru focussed blue chip fund 2) Mid-cap – HDFC Mid-cap opps fund / Franklin India smaller co’s / SBI Midcap fund 3) Balanced – You can check HDFC Prudence / ICICI Balanced fund.
Dear Sir,
I am working in a Bank for past 4 years. I am 28 years old and unmarried. My CTC is around 6 lacs and my monthly take away is Rs 40000. My total monthly expense as of now is around rs 20000.
My current Investments are :
1. FD of Rs 90000 for 1 years.
2. RDs of Rs 15000 monthly.
Other than this , I have no investment. Kindly Suggest me some investment options good for me, and if possible few products.
Thanks
Anant, Start investing in mutual funds to start with. Invest in balanced funds like ICICI balanced fund or HDFC balanced fund. Read my articles. Once you are familair in next 2-3 months, try investing in large cap funds.
Hello Sir,
I am looking for an investment of Rs.500000 for good returns, could you pelase suggest me, where to inverst.
Dear ,
i m going to think for invest appr. amount of 1 lakh.what is best option for me for high returns of value.
Kunjan, It depends on your investment horizon and risk appetite. You can look for bank FD for short to long term. If you are long term investor with low risk and want tax free, investin PPF. Alternatively you can invest in liquid funds and thru STP shift money in 8 to 10 SIP’s to balanced funds (low risk) or large cap funds (medium risk to high risk)
thanks mr suresh
Hello Sir,
I am working in USA on work visa and want to invest my money in India. I am planning to invest INR 1000000 in fixed deposit in my Indian bank account. Can you please tell how income tax would be calculated for me since I have no income in India?
Also, what other options are good for me to invest in India so that I have accumlated good returns on my money by the time I return back to India in 4-5 years.
Thank You.
Hi Priya, Please open NRE Bank account with any large private bank or nationalised bank online in India. they are offering 9% interest free returns now. For lump sum, FD is best as of now
Hi Sir,
Let me know if you have any business investment plan related to horticulture.
Basically, I am doing onion and tomato farming near Bangalore and want to align related to FMCG sector serving to local and international needs. My budget is around 60-70 lacs.thanks
Hello sir,
I want to invest Rs.5000/month for next 2 years. Pls suggest, where will I get higher returns
Manjunath, Dont invest in MF for 2 years, you would regret as they may not provide good returns.
Sir, I'm new to stocks trading & MF investment. But, I want to save & invest at least 5-10k/month. Pls suggest, where to invest for higher returns.
Spend 1 hour on my blog for next 15 days. Go thru the mutual fund section first and comments section for each and every article. You would know what kind of mutual funds can be invested by various risk appetite investors. In the process, you can open mutual fund account with ICICI Direct.com or Fundsindia.com. In next 4 weeks, you should be able to comment on this blog the funds which you want to invest based on your risk appetite and I should just say “OK Proceed”.
Hello sir,
Thank you for sharing such a post very informative….One should go through this befor investing in stock market.
hello suresh sir
I have just started doing a job and I want to know about mutual funds for long term investment if I want to invest Rs 1000/- per month in 3 different mf???
Hi Ishan, I thought I responded. You can invest in ICICI Balanced fund, HDFC Balanced fund and ICICI Pru focussed blue chip fund.
Hi Suresh
For real estate you said double your money in 5 to 20 years – now that's a huge diff. in time frame. Could you please eloborate and explain whats the usual expected doubling the money period in RE? 5 years still better than Fd's but 20 thrice as slow as FD.
Hiren, you have some valid points. I would provide an article about my friends’s experiences on this on how they made money. Give me a week time.
Thank you Suresh for taking up on my request. Perfect article.
Nice list. Thanks. How to calculate “Beta value of the stock”?
Sri, Beta values are computed by stock exchanges based on past history on how they are responding when indices are moving up or down. This gives some indication and need not be always accurate. Some stocks can move significantly due to change in recent operations of company (like what you pointed about Dr. Reddy’s stock)