Best Investment Options In India In 2024

Best Investment Options In India

In India offers a wide range of best investment options catering to different risk levels, goals, and time horizons. Here are some of the best investment options in india for investors in 2024, from low-risk fixed-income avenues to higher-risk equity-related investments:

Top 14 Best Investment Options In India

 below are some of the key features of the leading investment options available in India:

1. Equity Mutual Funds

• Why Invest: These funds invest primarily in stocks and have the potential for higher returns, especially over the long term.
• Types: Large-cap, mid-cap, small-cap, sectoral, and multi-cap funds.
• Return Potential: Historically, 10-15% annually over the long term, though returns can vary.
• Ideal For: Investors with a medium to high-risk tolerance and long-term goals (5-10 years or more).

2. Direct Equity (Stocks)

• Why Invest: Direct stock investment can generate substantial returns through capital appreciation and dividends.
• Best Strategy: Long-term holding, value investing, or growth investing based on research and financial goals.
• Risk: High, due to market volatility and company-specific factors.
• Ideal For: Experienced investors with a high-risk tolerance and a long investment horizon.

3. Public Provident Fund (PPF)

• Why Invest: PPF is a government-backed, tax-free investment with a fixed interest rate, ideal for wealth-building over the long term.
• Returns: Generally around 7-8% (varies slightly based on government updates).
• Lock-in Period: 15 years, with options for partial withdrawals after a few years.
• Ideal For: Low-risk, long-term investors looking for tax benefits under Section 80C.

4. Fixed Deposits (FDs)

• Why Invest: Bank FDs provide capital safety with fixed returns.
• Interest Rate: Around 6-8% depending on the bank and tenure.
• Flexibility: Available for short to medium-term goals; premature withdrawal penalties may apply.
• Ideal For: Low-risk investors or those needing a stable income.

5. National Pension System (NPS)

• Why Invest: A government-backed pension scheme offering tax benefits and market-linked returns through investments in equity, corporate bonds, and government securities.
• Returns: 8-10% historically, varying based on asset allocation.
• Lock-in: Till retirement (60 years of age), with some partial withdrawals allowed.
• Ideal For: Retirement-focused investors seeking tax-efficient, long-term savings.

6. Real Estate

• Why Invest: Offers potential for capital appreciation and rental income, especially in growing areas.
• Risks: High entry cost, liquidity issues, and market fluctuations.
• Ideal For: Long-term investors comfortable with a high initial investment and a longer holding period.

7. Gold

• Why Invest: A traditional asset that provides a hedge against inflation and currency depreciation.
• Ways to Invest: Physical gold, Gold ETFs, Sovereign Gold Bonds (SGBs).
• Return Potential: 8-10% historically, subject to market prices.
• Ideal For: Portfolio diversification and medium-risk investors.

8. Debt Mutual Funds

• Why Invest: Debt funds invest in fixed-income securities like government and corporate bonds and offer better returns than savings accounts.
• Types: Liquid funds, short-term, and long-term debt funds.
• Risk: Lower than equity but still subject to credit and interest rate risk.
• Ideal For: Low to medium-risk investors seeking better-than-FD returns over the short to medium term.

9. Recurring Deposit (RD)

• Why Invest: A low-risk option where you invest monthly, ideal for building a habit of regular savings.
• Interest Rate: Typically similar to FDs, around 6-7%.
• Ideal For: Conservative investors or those saving for short-term goals.

10. Unit Linked Insurance Plans (ULIPs)

• Why Invest: A combination of insurance and investment, offering tax benefits.
• Returns: Market-linked returns based on the underlying investment (equity or debt).
• Lock-in Period: 5 years minimum.
• Ideal For: Long-term investors seeking a mix of insurance and market-based returns.

11. Real Estate Structured Debt

Real estate structured debt is one of the best short term investment options in India.

• This option presents fixed income possibilities, underpinned by real estate assets used as collateral. It ranks among the top short term investment opportunities, offering robust potential for high returns in India.
• Through alternative investment platforms such as Assetmonk, investors can participate with a minimum investment horizon of 36 months. 
• It is the best investment plan with assured returns.

This investment avenue particularly caters to senior citizens in India, providing them with a consistent stream of monthly income in the form of fixed returns. It is the best investment plan with assured returns. 

12. Post Office Savings Scheme

Post Office Provides Varies Schemes below are

• Post Office Savings Account
• Post Office Time Deposit Account (TD)
• 5-year Recurring Deposit Account (RD)
• Monthly Income Scheme Account (MIS), and many others.

13. Bonds

Just like individuals, companies and government bodies need fund for infrastructural development and social programs, for which they issue bonds to the public markets. The interested investors then buy the bonds to help these entities raise money.

In other words, bonds are fixed-income investment options that cover the loan made by an investor to a corporate or governmental borrower.

14. Senior Citizen Savings Scheme

The Senior Citizens Savings Scheme (SCSS) is primarily for the senior citizens of India. The scheme offers a regular stream of income with the highest safety and tax saving benefits. It is an opt choice of investment for those over 60 years of age. 

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Tips for Building a Balanced Portfolio:

• Diversify across asset classes to balance risk and potential returns.
• Match your investments to your risk tolerance and time horizon.
• Review your portfolio periodically, especially if there are major economic or personal changes.

Each option serves a different purpose, so selecting a mix that aligns with your financial goals, risk appetite, and investment horizon will be key to building a successful portfolio in India.

Conclusion

I hope after going through this exhaustive list of short term and long term investment plans with high return, you’re not still worried about the question: Where to invest money to get good returns in India? 

Investing is a vital tool for growing wealth, achieving financial goals, and securing your future. By understanding the various india investment options, assessing risk, diversifying your portfolio, and planning wisely, you can navigate the investment landscape with confidence.

Remember to consider your unique circumstances, get expert advice when needed, and start learning how to invest money for maximum returns. 

Assetmonk is one of the best alternative investment platforms in India. At Assetmonk, we specialise in offering personalised support and carefully selected real estate-backed fixed-income investment products. These are the best guaranteed return investments plan and small investments and big returns investments. You can invest with just Rs. 10 lakhs.

Our focus is on providing an exceptional Internal Rate of Return (IRR) of 17% by tapping into growing private markets worldwide.

We prioritise security and stability, aiming to safeguard investor interests regardless of external circumstances. With optimism for a brighter future, we emphasise making well-informed decisions to protect and grow investment portfolios. So, if you are looking for the best and safe investment options in India with high returns, contact Assetmonk.

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FAQs About Choosing the Investment Options in India

1.What Are the Best Investment Options for Good Return? A. Best Investment options for Good Return are: Real estate structured debt, National Pension Scheme (NPS)SIPs, Fixed Deposits (FDs)

2. Is It Good to Choose Long Term Investment Options? A.  Long-term investments, such as stocks and Real estate structured Debt, provide higher returns compared to short-term investments. They offer the potential for capital appreciation and higher yields, especially during periods of economic growth.

3.What Are the Risk Factors I Should Consider While Selecting Investment Options? A. 5 key factors to check before choosing an investment plan:1. Return on Investment (ROI)2. Time to Goals3. Cost4. Liquidity5. Tax Considerations

4.What Are the Best and safe Investment Options in India for Tax Saving? A. Best Investment options for Tax Saving in India are: Unit Linked Insurance Plans (ULIP)Real estate Structured Debt, Public Provident Fund (PPF)National Pension System (NPS)Structured debt real estate is one of the best investment options for Tax Saving. Via alternative investment platforms like Assetmonk, you can get an assured IRR of 17 percent. Furthermore, Investors have the opportunity to benefit from potential tax savings of up to Rs. 50,000.

5.What is the difference between a savings plan and an investment plan? A. Saving money typically implies putting an amount aside for later use without facing any risk of losing its value. On the other hand, investments consider a long-term strategy for a particular financial objective. The most foundational difference between savings and investment plans is Risk.

6.Why Should I opt for an Investment Plan? A. Plans for investments and savings assist you in building up money over time. You can select the investment period based on the kind of financial goal you have, whether it be long-term, mid-term, or short-term. It is not necessary to stay invested in saving plans for at least 5 years. Real estate structured debt investments has a Lock-in period of just 36 months and you can additionally avail tax benefits up to Rs. 50, 000.

7.Should I opt for a Short-term or Long-term Investment Plan? A. If you want to preserve your capital and are happy with moderate returns then choose short term investments. However, if achieving higher returns is your aim, then you should make long-term investments.Though it is important to consider your income, needs, and risk-appetite before you make an informed decision to choose between a Short-term or Long-term Investment Plan.

8. How much can I withdraw from my investments? A. An investment in an open end scheme can be redeemed at any time. Redeemable investments are unrestricted unless they have a lock-in period like in an Equity Linked Savings Scheme (ELSS), there is a 3-year lock-in period from the date of investment.

9.What is the safest investment with highest refund?A. Real estate Structured Debt is the safest investment with the highest refund which offers an assured IRR of 17%.

10. What is the 72 rule in investing? A. A calculation known as the Rule of 72 determines how long it will take to double your money at a given rate of return. If, for example, your account earns 6 percent, divide 72 by 6 to get the number of years it will take for your money to double. In this case, 12 years. Years to double = 72 / rate of return on investment (or interest rate)

11.How can I grow my money fast? A. Best ways one can grow his money to its full potential are: Say No to Debt. Be Consistent in your Investment Start Early Invest Smartly Diversify your Investments Investing in Real estate Structured Debt is one of the fastest, most efficient and most effective ways to grow wealth over the long haul.

12. What is the safest investment? A. Bank Fixed Deposit (FD) and Real Estate Structured Debt are the safest investment option with assured returns. Real estate structured Debt offers an assured IRR of 17%.

13. How can you double your investment in five years? A.  Real estate is an investment option which is capable of doubling your money in a period as low as 5 years. It provides for a stable cash flow as you can rent the property and is far more predictable from any other investment options. For example if you wanted to double an investment in 5 years, divide 72 by 5 to learn that you’ll need to earn 14.4% interest annually on your investment for 5 years: 14.4 × 5 = 72.Real estate structured Debt offers an assured IRR of 17%.

14. What is the best investment plan with high returns for 1 and 5 Years? A. Best One-Year Investment Plans, Some of the best one-time investment plans for 1 year are as follows: Fixed Deposits, Mutual Funds, Post-office term deposits, Best Investment Plan with high returns for 5 Years.Some of the best one-time investment plans for 5 year are as follows:ULIPs, PPF and EPF 5-Year Fixed Deposits ,Stocks

15.Which investments are best for 5 years? A.  ULIPs, PPF and EPF, Stocks, NPS (National Pension Scheme)Investors may also consider investing Real Estate Structured Debt which offers an assured IRR of 17% and a lock-in period of just 36 Months.

16. What are the top 10 investment options in India? A. Top 10 investment options in India are: Real estate structured debt, FDs, PPF, NPS, Pradhan Mantri Vaya Vandana Yojana, Mutual Funds, Debt Funds, Systematic Investment Plans (SIPs),Unit-Linked Insurance Plans (ULIPs),Gold and Precious Metals

17.What is the safest investment? A. Real Estate Structured Debt is the safest investment option with assured IRR of 17% via alternative investment platforms like Assetmonk.

18. Are bonds a good investment right now? A. Because of the low interest rate environment, many investors have been hesitant to hold bonds for years, but that shouldn’t be the case anymore. One challenge presented by the current environment is the inverted yield curve, which means long-term yields are lower than short-term yields. In the past, investors would require greater yields in exchange for lending their money for longer durations, but that isn’t the case right now. Ultimately, the decision on whether or not to hold bonds and in what amount will depend on the unique circumstances of each individual investor. But the rise in interest rates has made bonds more attractive than they’ve been in over a decade.

19. Which investment has the highest returns? A. Real Estate Structured Debt has the highest returns with  an assured IRR of 17% and additional tax benefits upto 50,000.

20. Where should I invest money for the best returns? A. Real estate is an investment option for best returns. It provides for a stable cash flow in the form of rentals and is less volatile to market fluctuations than any other investment options.

21. What are the best investment options in India? A.If you are wondering what are the best investment options in india, then the best best and safe investment options in India is real estate structured debts.

22. Where to invest money in India for maximum returns? A. Real estate is the best money investment ideas in india for maximum returns.

23. Which investment gives the highest return? A. There are a lot of money investment ideas in India. Real estate structured is a lucrative investment option that gives high return and is safe.

24. Where to invest for higher returns? A. If you are still wondering where to invest for higher returns, then you can opt for real estate structure debt that gives high returns and is secured form of investment.