Best Long Term Investments in India

When it comes to financial planning, it becomes important to look for options, which give you financial security for a long-term perspective.
Besides, the universal fact remains that in this world of actualities any eventuality does not come knocking.

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It implies that nothing is certain in this world and certain events that may occur at any point in time can easily jeopardize the financial planning and security of your loved ones.

Investment Option Who Can Invest Minimum Period of Investment Risks
Bank Fixed Deposits Anyone who does not want to take much of risk or equity exposure 7 days No-Risk
Recurring Deposits Anyone Not Applicable Average
Public Provident Fund Any Indian citizen who looks forward to a long-term investment goal 15 years No-Risk
National Pension Scheme Anyone who is looking forward to retirement planning investment 60 years Low- High
Mutual Funds Anyone willing to undertake the appetite moderate-high Lock-in span of 3years within Schemes like ELSS Low- High
Unit Linked Insurance Plans Anyone who is looking forward to the creation of wealth or the life cover 45 years of age and less High
Post Office Monthly Income Scheme Indian resident 5 years Negligible-Low
Gold ETF Anyone Not Applicable Low-Moderate
Real Estate Anyone Not Applicable Moderate
Senior Citizen Savings Scheme Any of the senior citizen 5 years Negligible

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer. Tax benefit is subject to changes in tax laws. *Standard T&C Apply

Therefore, it is important to secure the future of your loved ones in case you are not there. Plan accordingly and invest your money in some of the best long term investments for a stress-free future of the family.

Why Look For Best Investment Options in 2021?

Most of you will agree that the first half of 2021 has not been blissful or smooth. Besides, pretty sure this year is not going as per the plans made. However, in this time of the controllable pandemic, there has been no end to the expenses.

This outbreak of novel coronavirus (COVID-19) has surely made us realize that in terms of money financial planning is important as anything can happen at any point in time and an unforeseen event will not occur with prior information. The prime focus needs to be to look for investment options in India on a longer-term perspective.

It is also to be understood that short-term goals are not just enough for your family. It is high time that we understand the importance of long term investment options and meet the financial objectives and likewise increases the financial security of your close ones so that they do not have to rely on anyone else.

Now let us understand some of the best long term investment options in India. In the below grid, is a list of best investment options that are simply not just restricted to higher returns but simultaneously will help you to keep going investment safety.

Before You Begin With the Best Long Term Investments

Now, before we get into the nitty-gritty of the above-mentioned best investment options it is important to understand that certain factors are in relevance to the planning of investment.

Primarily, make sure that you will understand the horizon of your investment as it will help you to opt for the best long term investment plans. There could be certain questions, which might come across your mind while planning.

For example- Which long-term investment has the best returns? Or what is the best investment in India 2021?

For questions like these, it is important to understand that the investment options depend upon your financial goals. These financial goals could either be for long-term or short-term as well. Besides, some investment options might also help you to benefit tax savings too.

But on a broader perspective, it is essential to understand the kind of product you are willing to invest and how to move ahead with the specific investment options. The investment could either be non-financial such as real estate, gold, etc. and could be financial too such as mutual funds, bank fixed deposits and much more.

Choosing Best Long Term Investment Options Mantra

The best mantra to choose the best long term investment option in India is to do thorough research in reds to the accessible financial investment alternatives carefully. Do the research, make the choice and lock down the best investment option.

The Big Question, How to Invest?

Likewise, it is important to evaluate the risks involved and calculate the returns by the plan of investment.

Risks and the returns are directly proportional; therefore, if the returns offered are high, the involvement of risk would also be on a higher side.

Overview of Best Long Term Investment Options in India

Now, let us quickly take an understanding of the above-mentioned investment options in India 2021.

1. Bank Fixed Deposits

Bank fixed deposits are one of the oldest yet popular traditional way of investment options available in India. When it comes to the fixed deposits these are made with the respective banks, which guarantees a specified fixed return over some time.

The tenure of the fixed deposit likewise may vary from 7 days up to 10 years or so. It depends upon the investor and the respective bank guidelines of, which fixed deposit one goes for. Although the investors have the alternative to opt the fixed deposit, which also helps in saving tax, and is generally available for a fixed period from 5 to 10 years. When investing in fixed deposits, the investor has the alternative to make a cumulative or a non-cumulative deposit. Moreover, within the non-cumulative deposit, the investor is paid the interest as directed during the underwriting whereas in the cumulative deposit at the maturity period the interest is reinvested into the amount of principal.

2. Recurring Deposits

Recurring deposits are also referred to term deposits, which are offered by the India banks. Within recurring deposits, the subscribers are permitted to make constant deposits and likewise earn good returns. The key highlight of recurring deposits is that it offers the flexibility to opt for tenure in terms of investment.

Most likely, the period of a recurring deposit is somewhere between a year to 10 years. In case you are looking forward to opening a recurring deposit you can easily do so with any of the Indian banks and go ahead by simply depositing an amount, which is fixed every month. At the time of maturity, interest will be paid along with the amount that was invested.

3. Public Provident Fund

Public Provident Fund is a government-supported plan of investment, which will assist its endorsers by enjoying hazard-free ventures as long as possible. The loan cost on a PPF account is amended and paid by the Government each quarter. The present loan cost is 7.9%. There is a development time of 15 years under PPF. In any case, the cash in your PPF record must be incompletely pulled back following 6 years. Notwithstanding, one can take an advance on the parity of the PPF account.

Since this plan is controlled by the Government, the chief sum, just as premium earned, is secure. Likewise, PPF goes under the EEE classification (Exempt-Exempt-Exempt) in, which the chief sum, the premium earned and development sum are absolved from charge. Commitment to PPF account (up to Rs 1.5 lakh per annum) is qualified for finding under area 80C of Income Tax Act.

4. National Pension Scheme

National Pension Scheme is a plan, which caters to the interests of all those investors who are looking forward to the retirement fund, which is good enough with high returns when compared to the other schemes available in the market.

The National Pension Scheme is a scheme, which is government-backed and permits the investors to invest in different instruments, which are market-linked for example equities, debt, etc. Now, the amount of pension depends majorly upon the returns from such investments. The National Pension Scheme can be taken by anyone who is in between the age of 18 up to 60 years of age. Besides, the age can be extended up to 70 years of age.

5. Mutual Funds

Mutual funds are viewed as extraordinary compared to other looked for after roads for investment in our nation. Among mutual funds, value shared assets are specifically the first class. Such is the procuring capability of value shared assets.

The absolute best performing subsidies have created Cumulative Average Growth Returns of up to 20% in 10 years. The point to note is that with such high rewards come high dangers too. Moreover, it is prompted that you counsel financial experts before settling on any choices. There are numerous sorts of portfolios and ways of investing, however with mutual funds, you can get to the best of all and create a fantastic income. Putting resources into these funds is truly clear.

6. Unit Linked Insurance Plans

A Unit Linked Insurance Plan is an alternative that offers interests in bonds and values, alongside security employing insurance. In this kind of plan, a piece of your premium is put resources into the stocks and bonds as decided you, and the rest is paid towards a cover for life insurance. Much the same as some other venture alternative, it includes some measure of hazard. The variances are estimated regarding Net Asset Value (NAV).

7. Post Office Monthly Income Scheme

If you are searching for a short-term plan of investment, consider post office monthly income plans. Probably the best plan gave by Indian Postal Service is the month to month pay plot. It offers exceptionally significant yields with insignificant risk. The profits are given each month at a pace of 8.5% per annum.

8. Gold ETF

One of the most seasoned investment choices, gold has truly been an extremely famous resource. The straightforward explanation is its reliably expanding cost after some time. While it isn't performing close to just as it used to, the business sectors have developed to offer customers numerous new manners by, which you can put resources into gold – like gold store plot, gold ETF, gold bars and gold Mutual Funds. Beginning from 3 months, the period of investment frame can go up to 5-10 years too.

9. Real Estate

In India, putting resources into real estate is viewed as probably the most secure bet by the investors. Over ongoing years, the real estate investments have picked up in esteem quickly. While there are worries of a bubble burst by certain areas of financial investors, many keep on having faith in assets of the real estate.

10. Senior Citizen Savings Scheme

Here is a 5-year scheme of saving accessible for Indian Senior Citizens. Under this plan, people over 60 years old can make stores for a long time from the date of opening the record and win great enthusiasm on the sum. The present interest of rate for this plan is 8.6%. The time-frame of this instrument of investment can be reached out by 3 years.

Senior Citizen Savings Scheme is offering the most noteworthy loan cost when contrasted with other schemes of saving accessible in India. One can get an account opened through Public/Private part banks or Indian Post Offices. Moreover, it is likewise included in the rundown of best schemes of tax saving as the venture has done under this plan is charge deductible under Section 80C, of the Income Tax Act, 1961 up to Rs 1.5 lakh per annum.

Wrapping it Up

Everybody is on a steady post for best investment options and budgetary returns. Be that as it may, making the correct move involves clear arranging and long term thinking. Hypotheses are critical because these days, just procuring money isn't adequate. You lock in for the money you win.

Regardless, that may not be adequate for you to lead a pleasing lifestyle or fulfil your dreams and destinations. To do that, you have to bring in your cash buckle down for you too. This is the reason you invest. Money lying inert in your ledger is an open door lost. You ought to put away that money insightfully to receive good returns in return.

Therefore, pick from the best investment options mentioned above and remain stress-free.

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer. Tax benefit is subject to changes in tax laws. *Standard T&C Apply

Past 5 Year annualised returns as on 01-07-2024

^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.

Tax benefit is subject to changes in tax laws. Standard T&C Apply
~Source - Google Review Rating available on:-

^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

#The lumpsum benefit is calculated if policyholder invested ₹10000 monthly for 10 years in the fund with a policy term of 20 years. This Point To Point past performance data of last 10 years has been used to illustrate a scenario for the customers benefit. It is assumed that the past 10 years returns would have also been delivered in last 20 years. This is not guaranteed and not in anyway indicative of what the customer may actually get 20 years from now. The investment is subject to market risk and the risk is borne by the policyholder.

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