How To Invest Money And Get Rich

Investing is an important part of wealth creation that helps fight inflation, fulfill financial objectives, and also secures the future. However, do NRIs have sufficient investment opportunities in India? NRI investment holds a very important place in India. There are several investment options where NRIs can invest and generate profitable returns. The popular NRI investment options are mutual funds, fixed deposits, bonds, shares, and government securities.

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The first step towards investing is financing in the right and suitable investment option. An ideal investment option will help one to be financially independent. Let’s understand in detail about the NRI Investment: 

Investing Money in India 2021 

When it comes to investment, NRIs have various investment options in India. Moreover, the government has also encouraged and facilitated this by simplifying the procedures. The NRI investment can be done in two ways i.e. with and without Government approval. 

Investment helps in securing the future and provides a financially happy life after retirement. The objectives for investment can vary between liquidity or higher returns on investments. With advanced technology, NRIs have easy access to all the investment opportunities. The following segregations are proposed for the smooth investment for NRIs:

  • NRI Bank Account – As an NRI you can open NRO, NRE, or FCNR bank account and earn interest (tax-free) on your deposited amounts. 
  • Investment in Different Asset Categories – For NRIs, there are different asset classes available such as mutual funds, national pension schemes, stocks, portfolio management services, and more. These options help to invest money and earn profits. 
  • Gold Investments – In India, Gold is another investment tool that offers the growth rate in the prices over the years. A variety of options are available such as gold exchange-traded funds i.e., ETFs, gold banks, physical gold, etc. 
  • Real Estate – This type of investment offers a great return on investment (ROI). 

Investment Types with Their Risk Profiles 

Most of the investments carry a specific level of risk that affects the returns. Generally, the investment returns are more, when the risk levels are high. Though, in such types of investments, there is a high risk of losses. The decisions of investment are taken based on the risk appetite of an individual. Here's a quick laydown of all risk levels: 

  • Low-Risk Level of Investments – Investors having low-risk tolerance, look for low-risk investment options and have no volatility in their portfolios. Retired persons fall under this group. This investment category includes fixed income instruments such as debentures, bonds, Government savings schemes, and FDs (Fixed Deposits) and caters to the requirements of low-risk depositors.
    Low-risk investments are not associated with the movements of the stock market but are governed by movements of interest rates. However, the returns are assured in these cases, and you are required to lock in your investment for the long term. This way you can earn considerable returns on these investments.
  • Medium Risk Level of Investments – This is for the investors who are looking for a moderate level of risk. The returns are comparatively higher as compared to fixed-income instruments. They may have a little amount of risk. Balanced mutual funds, debt, and index funds fall under this section. 
  • High-Risk Investments – These high-risk investments are suitable for investors having market knowledge and a high-risk tolerance. The profits are limitless and the level of risk is also very high. This category includes volatile investments such as stocks, mutual funds, equity, and derivatives. 

An investor is advised to make an informed decision based on his/her risk appetite. Based on the level of the risk, various investment options are categorized as follow: 

High Risk 

Direct Equity 

Long-time investment option to receive ownership company’s rights. 

High Risk 

Mutual Funds – Equity 

They mainly invest in stocks or shares 

Low Risk 

PPF i.e., Public Provident Fund 

This helps in retirement planning and is a government-backed option

Low Risk 

Fixed Deposit (FD)

Offers assured returns and no risks to investment 

Medium Risk 

Debt Funds 

Investment in income securities (fixed) such as bonds

Medium Risk 

Balanced Mutual Funds 

Balanced between equity and debt instruments 

**”The investment risk in investment portfolio is borne by the policyholder”.

Investment Options in India 

  1. Fixed Deposits 

    FDs are the most common and popular among NRIs. FDs are the great NRI investment options if as an NRI, you are looking out for a comparatively risk-free investment option that offers you average returns. Investors can start investing in fixed deposits through NRE, FCNR, and NRO accounts. The rate of interest depends on the bank, deposited amount, and time of the deposit. 

  2. Direct Equity 

    The stock market returns have been factually higher than the fixed income products. Great NRIs investment plans are made by good equity portfolios. An NRI who is having a PIS account i.e., Portfolio Investment Scheme, a Demat account, an NRE/NRO account, and a trading account can invest in the Indian market easily. 

  3. Mutual Funds 

    A mutual fund is an important part of investments, where NRIs can directly invest. These funds offer a wide range of NRI investment money options i.e., from debt to equity. You are required to have an NRE and NRO account to invest in mutual funds but in Indian Rupees only. The return rate depends on the kind of fund you have invested into such as equity, debt, or a hybrid. 

  4. National Pension Scheme (NPS) 

    NPS is a government-backed scheme that invests in both, equity and debt and also in a combination of both. The tax benefits in this scheme make it one of the right NRI investment options. A person between the age of 18 years to 60 years can invest in NPS. NRIs are allowed to open an e-NPS account if they have a PAN card and Aadhar card. 

  5. ULIP 

    Unit Linked Insurance Plan is a combination of investment and insurance. In this, a part of your premium is allocated towards your life cover and the remaining amount is invested in several financial instruments. ULIP has 5 years lock-in period. You can also get tax benefits u/s 80C of the Income Tax Act. 

  6. Government Securities 

    They are the low-risk investment options that are backed by the Government of India. In this, treasury bills are issued whose maturity time ranges from some days to years. These bonds or bills have fixed rates of interest which are determined based on the market-linked changes. Government securities are tradeable securities whose prices in the market are responsible to fluctuate based on external parameters.

Wrapping It Up!

How can one decide, what is the best investment money option for NRI? So, the right selection depends on the investment objectives, your risk-taking appetite, and your returns expectations. It is advised to create an investment portfolio of different assets that might help you reach your milestones.

Past 10 Year annualised returns as on 01-10-2023

^Tax benefit are for Investments made up to Rs.2.5 L/ yr and are subject to change as per 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
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