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  • Best investment options available in India

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    To build wealth,you should invest your money in the right financial instrument. Because, if you don’t make the right investment decision at the right time, then you surely are missing out on opportunities to increase your earning potential. However, not every investment guarantees substantial returns. But if you invest wisely, the potential to gain wealth is much higher than not investing at all. So, if you are someone looking out for a safe investment option, here are some of the best investment options in 2018.

    Public Provident Fund (PPF):

    PPF is one of the popular investment schemes which offers fund protection and guaranteed returns that are fully exempted from tax. The minimum amount you can invest in a fiscal year is Rs.500 and the maximum is Rs.1,50,000. You can avail loans between the 3rd year and 6th year of the investment. The rate of interest in PPF accounts in pretty high compared to fixed deposits and recurring deposits; currently, it is 8% per annum. All PPF accounts are managed by the government of India.

    Mutual Funds:

    Mutual funds are another form of investment that generates higher income over a period of time. It’s a common pool of money where multiple investors invest in equities, bonds, and other market instruments. As an investor, you can buy mutual fund units in any particular scheme and these units can be cashed based on the fund’s Net Asset Value (NAV). Mutual fund schemes other than close-ended and ELSS schemes do not have a minimum investment period.

    Equity Shares:

    Equities are the chief source of funding for any company that allows voting rights and claims to investors on assets. In equities, the shares are expressed in terms of face value, issue price, market value, etc. If you invest in equities, you have high chances of making a return which is twice or thrice as high as your capital. But at the same time, the risk factor associated to equities is high as well.

    Real Estate:

    Buying and reselling land and buildings is often considered a safe bet by investors in India. It’s a great investment option that is certain to gain value with time. You can use real estate as a part of your overall wealth building strategy if you have a fairly good sum to invest in. But when you buy property with the sole purpose of investing, make sure you consider all the related charges and the way you rent it out or resell.

    Gold ETF:

    Gold ETFs offer greater transparency and it is well suited for beginners and small investors. ETFs are considered better than traditional forms for gold investment chiefly because of the following reasons:

    • You need not worry about adulteration or impurities
    • It’s held in electronic format
    • You can track your investments real time
    • Offers great liquidity

    Post Office Schemes:

    If you are looking for an investment avenue with short locking period, then post office schemes are the best option to go for. The monthly income scheme of the Indian postal service is considered one of the safest options to park your funds as it offers higher returns without any form of risk. It offers returns in the form of fixed monthly income, at the rate of 8.5% per annum.

    ULIP:

    ULIP is a financial instrument which facilitates investments in equities and bonds while offering protection at the same time. It an integrated plan in which one portion of the investments are apportioned towards stocks and bonds as chosen by the individual and the remaining is maintained as a life insurance cover. Just like mutual funds, ULIPs too have a risk element attached to it. However, the risk is higher in equity investments than debt investments.

    Initial Public Offerings (IPO):

    Initial Public Offerings, also known as stock market launch are types of offerings by newly launched companies where they invite public to buy their shares without listing on stock exchange. Since it is the first time the company is opening investments to public, it is known as initial public offering. Companies initially issue their shares at a low rate, but when they get listed on Stock Exchange the prices go up. So, if you have a knack for investments, then IPO is worth your money.

    Comparison Table:

    Type of Scheme Maximum Investment Amount Minimum Investment Amount Maturity
    Public Provident Fund Rs.1.5 lakh per year Rs.500 15 years
    Mutual Fund No maximum limit Rs.500 and above Lock in period is applicable only to close-ended funds
    Equity Shares No maximum limit Decided by the company Not applicable
    Real Estate No maximum limit No minimum limit Not applicable
    Gold ETF No maximum limit Variable Not applicable
    Post Office Schemes Rs.4.5 lakh Rs.1,500 5 years
    ULIP No maximum limit Rs.1 lakh 45 years
    Bonds No maximum limit Variable Variable

    Best investment options available in India Reviews

  • Page 1 of 50 1 2 3 4 5
    • LIC Life Insurance
      "Trusted Life insurance"
      0.5 4.0/5 "Great!"
      LIC customer response is good, I make the payment through cheque. LIC is the trusted one and the premium amount is low, I pay around Rs. 24,000 for 2 policies. It has 20 years, tax benefits and life coverage. The payment mode is good, LIC agent is good.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 07, 2018
    • LIC Life Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I am not aware of the name of the policy with the LIFE INSURANCE CORPORATION OF INDIA where i pay the premium for yearly once also i have been using it from last 10 yeas. The policy coverage is for self added on that they provide with the benefits of life coverage till 99 years.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 07, 2018
    • LIC Life Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      The name of the policy that i have taken from the LIFE INSURANCE CORPORATION OF INDIA is the MONEY BACK policy where i get the money back for 5 years once added on that the service is very good and i got the bond papers at the beginning on time. It is a good policy.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 07, 2018
    • LIC Life Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have purchased the life insurance with the LIFE INSURANCE CORPORATION OF INDIA where the service is very good and i have been using it from past 15 years. The premium i have paid 25k for the policy called JEEVAN SURAKSHA. The maturity period is for 20 years.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 07, 2018
    • LIC Life Insurance
      "Good for Tax saving"
      0.5 4.0/5 "Great!"
      While I taking the LIC policy, the agent is professional and helped me out to generate the life insurance. In fact the agent is my relative whenever I have any quires they helped me out., they provide average benefits after matured, but its best for tax benefits and life cover.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • LIC Life Insurance
      "Useful policy"
      0.5 4.0/5 "Great!"
      One of my colleague who is in office has referred me about the life insurance policy with Life Insurance Corporation of India. I used to pay the premium amount of RS. 3000 every quarter. I have to pay the premium amount for next 15 years. 1 year back, i have purchased this policy. This is a tax benefitable policy. I make the payment through online by using my Debit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 07, 2018
    • LIC Life Insurance
      "Its Trusted one"
      0.5 4.0/5 "Great!"
      LIC Is not transparency about the terms and condition, their agent wont disclose about that. They some hide the condition about the policy, but the payment option is good. I make the premium around Rs. 6000 per for the total year of 15 years with tax benefits.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 07, 2018
    • LIC Life Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I am having a life insurance policy with LIC from last 3 years and it is a long term policy. I am happy with the returns and benefits of this policy. Premium amount is auto deducted from the salary account. Tenure period for this policy is for 20 years.
      Was this review helpful? 1
      , pune
      Reviewed on Dec 06, 2018
    • LIC Life Insurance
      "Good investment for Future"
      0.5 4.0/5 "Great!"
      The policy which I taken is whole life policy, the premium is around Rs.6000 per annum, its not an endowment plan. I will get the benefits after the matured period. My father was taken the policy on my name for 75 years, it has life coverage, tax benefits available. Even I can take loan based on the cover.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 06, 2018
    • LIC Life Insurance
      "Good option"
      0.5 5.0/5 "Blown Away!"
      They are very good but the customer service is not easy approachable. I have taken the policy called Jeevan anand the premium I pay in a year Rs 52,000 for the tenure of 16 years. I can check the statement after the payment which I done through online.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 06, 2018
    • LIC Life Insurance
      "Benefits needs to be improved"
      0.5 3.0/5 "Satisfactory"
      I believe LIC because its belongs to government sector, especially the beneficial part its always lower. Customer service is very dissatisfied whenever I go to the branch they take their own time. The payment option is good now they improved. But need to improved on benefits part.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 05, 2018
    • ICICI Prudential Life Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken a term insurance with ICICI Prudential and I need to pay a premium till the age of 60 and it has a coverage till the age of 65 to 66. The policy coverage is for 50 lakhs and if anything external happens to the policy holder another 50 lakhs is provided to the family. The premium is economical, it is of 897 which goes through on a ECS basis.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 05, 2018
    • LIC Life Insurance
      "Safe and secure savings"
      0.5 4.0/5 "Great!"
      LIC agent is responding well on my queries, the premium is very high but the policy benefits are good. Payment option is good we can make the payment through online and offline. I have Jeevan anand policy its good for the future investment and life cover. Depends on age of person gets matured benefits.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 05, 2018
    • LIC Life Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      My life is insured with LIC from last 2 years and it is a long term policy. I am happy with the returns and benefits of this policy. I pay my premium once in 6 months through online and i am convenient with the payment options. Tenure period for this policy is for 20 years.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 05, 2018
    • Kotak Life Life Insurance
      "Always with you"
      0.5 4.0/5 "Great!"
      Its quite reliable and trust worthy, the premium that I pay around Rs. 3.5 lakhs for the tenure of 10 years, finally I get some Rs.70 lakhs with life coverage and tax benefits. Payment mode is good, I gave pay cash , online, cheque, credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 05, 2018
    • LIC Life Insurance
      "Trusted and good for tax benefits"
      0.5 4.5/5 "Excellent!"
      My accountant take care of LIC, they keep updating about my policy I don't want to do anything and they are providing good benefits, the premium I make around Rs 1.5 lakh for multiple policy and they are providing life cover and tax benefits for long term policy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 05, 2018
    • LIC Life Insurance
      "Benefits needs to be improved"
      0.5 4.0/5 "Great!"
      I didn't interact with LIC customer support, but they give good response whenever I approach. I think , when I was young my dad took policy then I realize it not cover so much benefits on the policy. Only there is benefit here is it provides life cover and tax benefits.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 05, 2018
    • LIC Life Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      My endowment plan was taken with Life insurance policy. I have purchased the policy long back ago. I make the payment through online. After the maturity only i can able to get the sum assured amount. One of my friend has referred me about this policy
      Was this review helpful? 0
      , rajahmundry
      Reviewed on Dec 05, 2018
    • LIC Life Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken my jeevan anand policy with LIC 10 years ago. I have been paying the premium amount which is nominal. Total tenure period of the policy is 20 years. This is the tax benefits policy. Since this is a Government undertaken company, i have selected this company for my insurance.
      Was this review helpful? 0
      , rajahmundry
      Reviewed on Dec 05, 2018
    • Tata AIA Life Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      This is a 30 years tenure period policy. When i purchase my credit card, they have given the life insurance policy along with the card. I have bought the life insurance policy 1 month before. They have given me a sum assured amount of Rs. 50 lakhs. Yearly once I'm paying the premium amount of Rs. 13000. I make the premium through online.
      Was this review helpful? 0
      , vijayawada
      Reviewed on Dec 04, 2018
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