Best Investment Ideas In India – Looking for high paying investments in India? Your search probably ends here. We’ve rounded up a list of the trending and best high-yielding investments in India, along with some alternatives that any investor might want to explore.
As the term itself reflects, a high return investment is one that can bring you high returns in the short term or the long term.
Best Investment Ideas In India
When it comes to investing, there are a plethora of financial products that you can choose from depending on your personality profile, life stage and risk appetite.
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A conservative Indian investor often looks for less risky products like government schemes like PPF (Public Provident Fund), EPF (Employees Provident Fund), NPS (National Pension Scheme) etc. government. Apart from this, people are also opting for banking schemes like Fixed Deposit and Recurring Deposits with low interest rates.
However, low risk equates to low returns. The riskier you can play, the better your returns will be in the stock market. More and more people understand this now and are willing to create wealth using high yield products in the market. The Indian mindset is rapidly changing as the millennial generation is more inclined to invest at a younger age.
So, let’s reveal a list of popular high-return investments in India, which are undoubtedly riskier, but can be your path to greater returns.
Let’s take a look at some of these high-yielding investments for those with an appetite for risk and a proper knowledge and understanding of the market.
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Investing in direct equity involves buying and selling stocks based on market behavior or as we commonly know, ‘trading’. Traders conduct thorough stock research that includes fundamental analysis and technical analysis. But don’t worry, many websites offer such insights from a layman’s perspective to help you make better trading choices. To invest directly in equity, the first thing you need to do is to contact a stock broker and open a Demat and trading account. And, the process is really quick and can be completed online. This is the first step to start your trading activity.
However, such investments only depend firstly on the company’s behavior and secondly on market fluctuations. Therefore, they are also considered very risky.
Remember, you should not invest your emergency fund in Direct Equity. You can also opt for equity linked schemes which have relatively less risk and are suitable for investing in equity over a longer period of time.
Important: Stock markets are subject to enormous risks. So do your due diligence and do your due diligence before investing your money in a risky asset class.
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Mutual funds are pooling of equity assets like equity shares, debt, government bonds etc. Investors, both retail and institutional, can invest in such funds for a diversified portfolio and to reduce some level of risk. There are different types of mutual funds that you can choose from depending on your needs and goals.
For example, a hybrid fund is a balance of equity and debt and is suitable for people with high to moderate risk appetite.
Buying property is also a profitable way of investment. Just as stocks generate dividend income, real estate generates rental income. Once rented, property payments for decades. Their value also increases significantly over the years.
However, the drawback of this option is the one-time huge investment, making it not an affordable option. In addition, real estate is also a risky avenue as it is exposed to natural disasters, random incidents or other unforeseen events.
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These are funds collected from individuals or institutions that invest in high-risk investment products such as futures, options, currencies, real estate, etc. These funds offer a very high rate of return.
Hedge funds reduce the risk factor by sharing risks between the people who created the fund and by diversifying the portfolio. For example, if you invest in one high-risk product, the chances of loss are greater compared to investing in hedge funds because they invest your money in different products. So even if one product fails, the high returns offered by the other compensate and the portfolio is balanced.
Investing in commodities includes soft commodities like wheat, sugar, rice, hard commodities like natural gas, crude oil, or metals like gold, silver, copper, and aluminum. The returns on such trades are entirely dependent on commodity price fluctuations in the market. They are also subject to inflation. Investing in commodities offers high returns.
Commodity trading is often packed with high risk as well as high rewards. So, you should be careful while investing your hard earned money in commodities.
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Investing in venture capital means investing your money in a venture with long-term growth potential. When you invest in this avenue, you are referred to as a venture capitalist. But, this can be your best alternative only if you are rich enough and have excess funds to invest in the growth of the startup. So it seems to be a viable investment option for big businessmen, established entrepreneurs with enough cash.
When you finance a new business, the lender will repay you in a variety of ways, such as giving you a stake in the business, returning the profits, or giving you an authoritative name in the company, depending on the terms of the financing. . In this case, the risk factor is the startup not being able to perform, bankruptcy or cases of fraud.
Alternative investment options are beneficial if you are looking to diversify your portfolio. Adding some variety to traditional products stabilizes the risk factor and creates a balanced investment.
Diversification is very important when investing. In fact, the first rule of investing – “never put all your eggs in one basket” applies well here. This means that even if one product fails to deliver the expected returns, another product in your portfolio may make up for it.
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Contrary to popular belief, high risk alternative investment avenues are not limited to HNI and UHNI clients. Anyone with medium to high risk appetite can invest in these investment options.
Traditionally, people shy away from high-risk investment products for fear of losing their capital. However, there are several ways to reduce the risk associated with each product. The younger generation is showing more interest in different investment options and exploring their financial journey. Stock trading and risk-taking go hand in hand, but millennials are drawn to it. Even trading in the international market is getting a lot of attention these days.
However, the most important thing to remember is to access your risk appetite before considering any risky and high-reward product. Yes, never invest your emergency funds in high risk products. The key is to play safe and smart.
Did you find this informative? Which high risk investment product are you planning to invest in? Let us know in the comments below! Stock markets are very volatile, capital market movements do not make sense, debt funds face defaults and securities and schemes go down, in such a scenario investors are especially conservative. Looking for investments with capital security and stable income.
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And why not, after all, security has always been the primary concern of any investor, and if there are some options that also give you some growth, then it is always wise to consider the same.
However, it is important to note that no investment is without risk. Some kind of risk will always affect your investments, you just need to be aware of the same and accept it. (Read: Types of Risks in Investments)
This post is about some investment products that are considered safe investments such as credit and default risk.
This is the mandatory savings made by the employee for retirement. Under this scheme, a fixed percentage of salary (12% of basic salary + DA) is deducted from the employee and a similar contribution is made by the employer. EPF savings earn decent interest which is decided by the Central Board of Trustees in consultation with the Ministry of Finance. (Read detailed article on EPF Basics here)
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The interest rate for 2021-22 was 8.10%. The employee is entitled to retire with the accumulated interest in the corpus, this is very tax-free.
However, due to the Covid-19 lockdown, the Finance Minister reduced this contribution to 10% in May and July 2020 to provide the necessary liquidity to employees.
Early retirement is possible in the case of resignation and during the period of employment, but subject to certain conditions. You can learn more about these provisions here.
Employee contribution, up to Rs. Income tax deduction under Article 80C is 1.50 GEL per year. Read more about Income Tax Deductions for FY 2020-21 (Infographic)
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Government-backed, fixed and tax-free interest, tax-deductible and tax-free term returns make it an attractive bet and
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