Best Saving Investment Plans in India

Best Saving Investment Plans in India
Are you looking forward for more returns on your investments, well, if the investment is made in a
smarter way then definitely good return is sure to come. There are number of ways to make money, one
can either spend in mutual funds when fund is less to invest at a single time. Investing in Systematic
Investment Plans, mutual fund companies help investors to make good money but there are varying
other investment plans, exploiting which one can expect to have good returns.
If any one is addressing their investment plan as safe then be rest assured it won't be getting you any
return. Only keeping money in best saving plans account is safe but during inflation it won't be able to
resist the eroding effect. Therefore ultimately you will be losing the whole sum. So its better to opt for
the low risk investment plans that offer an affordable return.
So what are the low risk investment plans, if you are really desirous to know well there are definitely
few accessible in the market. Below 5 plans are described which one can focus on:
Fixed Deposits
First and foremost, there are FDs and fixed deposits, which is definitely a low risk investment plans. FDs
are really helpful in increasing money over time. There are options to choose from- Company FDs to
Bank FDs. FDs are also beneficial in offering tax benefits. However making investment in FDs may
apparently feel simple, but investors are needed to take into account some important factors while
choosing the FD. While opting for FD, one must look for the credit profile, such as AAA/FAAA. The higher
rated FDs must be chosen. Next one should definitely check the interest rate on Fixed Deposit. The
higher rates are always preferable. But for higher interest one should not be compromising on the credit
rating. FDs are known to offer varying interest payouts, for example annually, monthly and quarterly.
That interest term which will be meeting your needs should be chosen. However one time interest
payout on maturity is better to be chosen as it offers highest return, this happens due to compounding.
Endowment plans
Those who are unaware, endowment plans are meant to offer life covering along with savings. These
plans are available with some profit and here you will be getting payouts with respect to whether the
policy holder will be surviving the tenure or not.

Bond funds
As the name refers to, bond funds and debt funds are nothing but investing in fixed income securities
for example corporate bonds, money market instruments also other income securities. These funds
exercise more flexibility and superior tax benefit and higher liquidity.
Post-office schemes
Those who are looking forward for Post-Office Investment Plans such as NSC (National Saving
Certificate), PPF (Public Provident Fund), KVP (Kisan Vikas Patra), POMIS (Post office monthly income
scheme) and POTD (Post-office time deposit) would be happy to know as these schemes are best for
those individuals who are in favor of long term investment. These investments go for different tenures,
tax implications and interest rates. Now your choice should be dependent upon the financial goals and
specific requirement.
Bonds
Bonds, which work in the same manner as the FDs work with an exemption that they can be made liquid
in secondary market. Here Bonds are analyzed in the same way as the FDs. So if you are wondering to
invest in them, it would be one of the best ideas to consider the credit ratings, interest rate and the
compounding frequency.
Learning about these plans will surely help you to prepare your way so that you can plan something
better for the upcoming days. Before spending money anywhere it is literally best to learn about all
possible investment options. Now the fundamental fact that one must realize that safe investment is a
myth, there is nothing called safe investment.
Source: https://www.scutify.com/articles/2016-09-22-best-saving-investment-plans-in-india