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Best long-term investment options in India 2019

Finance has become a very crucial part of every individual’s life and it makes sense too because who wouldn’t want to ensure a safe future? Everyone nowadays is keen to invest in a platform which safeguards their future. Long-term investors are generally willing to take on more risk for higher rewards and the best investment plans often begin like this.

In India, there are several investment options which might be recommended to invest in, which might be short, medium or long term in nature. The thought is a common understanding that short the investment tenure small the risk, long the tenure more the risk. If you are looking for best investment plans and details on how to invest online for the year 2019, we have some amazing financial instruments, recommended by asset management companies:

•    PPF

PPF is the acronym for Public Provident Fund. It is a savings scheme offered by the Government of India. The main attraction that makes it one of the best investment plans is the win-win interest rate of 7.5-8%. The interest paid is tax-free.

The principal amount and interest are guaranteed by the Government of India. The interest is rated is declared in every quarter. The interest provided is greater than the interest of FD’s of many banks. A PPF account can be opened in post offices, nationalized banks and some major private banks and it’s very easy to learn how to invest online as well.

•    EPF

EPF stands for Employee’s Provident Funds.

Interestingly, EPF with a high rate of 8.55% for FY 2017-18 is another good bet but can be maintained only by the salaried workforce. You may want a wealth advisors opinion on the same. The account comes with several other advantages such as allowed for deduction u/s 80C, nonetheless the interest earned on it is taxable in the hands of investor upon maturity of the account.

•    National Savings Scheme

National Savings Certificates, popularly known as NSC, is an Indian Government Savings Bond, primarily used for small savings and income tax saving investments in India. These can be purchased from any Post Office in India by an adult (either in his/her own name or on behalf of a minor), a minor, a trust, and two adults jointly. These are issued for five and ten-year maturity and can be pledged to banks as collateral for availing loans.

•    Mutual Funds

Investment Management Companies seek out help to the customers to invest within their financial capacity. Mutual Funds are subject to market risks and are to be selected carefully. Investment management companies help in the process of selection as well as tracking them regularly. There are plenty of mutual funds in the market, you can choose any of them as per your risk appetite and with the help of expert wealth advisors. Also, you can opt for Systematic Investment Planning (SIP) which would not only reduce the risk of the investment but also ensures you with eligibility to invest irrespective of your financial strength through regular instalments for a longer period.

•    Stocks

Stocks are playing an important role in the growth of the country’s economy and market value. Stocks are flexible to purchase as per your financial strength and risk appetite. Stocks market consists of Equity Share Capital, Preference Share Capital, Derivatives, and Commodities etc. with such a wide range of choices you can invest into any of them as per your eligibility and if you learn how to invest online, then your equities investment journey will be smooth from the get go. Depending upon the type of stocks you choose you can earn higher returns.

•    Gold

Gold is the most preferred investment globally. People invest in gold as a strong backup plan for contingent financial crises. People tend to invest into Gold Bar, Gold ETF, Gold Mutual Fund, Gold FD etc. As the value of gold never declines, it keeps on growing.

•    Real Estate:

If any investment after gold never declines, it would be Real Estate investment. It has been seen that people tend to invest in real estates as a financial backup plan. As the value of land is reaching the sky, it might not harm to say that Real Estate is the safest and smart investment move in today’s world.

You can start your investment journey by learning about these financial instruments from expert wealth advisors and knowing how to invest online, and you will definitely be on the right track of wealth management in the long run.