The safest and low risk investments for your money. All you need to know.

Investments have everybody thinking about them. Some ask questions related to their security while others may ask about how it works and yet others are there who consider it all to be a sham. So what encourages people to invest? Most of the times it’s either financial need or the need to secure their hard-earned money from threats of changing market situations.

1)There are two ways to investing money: 1) Using money to earn more money is definitely a working scheme that either comprises of lending money at interests or investing in shares and stocks of a company, which therefore brings in all kinds of risks. You can visit this website to know your investment options.

2)Investing or to term it better, buying things that increase in value later on and hence can be sold after a period of time to reap the profits. It could be gold, bonds or real estate but it also involves a certain level of risk.

So how do we negate the risks involved? Is there some other way or should we just go with the risks. Worry not, for we are here to save you and find you the safest and lowest risk involved investments in today’s times.

Here is a list of some safe investment options in India:

1.   Public Provident Fund (PPF)

The Public Provident Fund is one of the safest products designed for investment in the Indian market. In this scheme there is also a benefit of tax saving. In this scheme the invested money gets locked for a period of 15 years and earns interest on the sum invested for this period by means of compound interest. The only shortcoming of this scheme of investment is the liquidity problem that is associated with it. In an emergency the amount can be withdrawn only after 6 years.

2. Fixed Deposit

 A fixed deposit is an investment option that the banks provide, in which the investors are offered a higher interest rate than the regular savings account provides till the date of maturity. In this type of investment or account the money gets locked for a definite period of time decided by the investor and it earns interest. The minimum time period is 6 months. This type of deposit need not require any creation of a new account. The returns as usually are pretty good for a long term.

3. Recurring deposits

 A Recurring Deposit is a specific type of investment which is offered by the banks. In this investment the investor if he can, deposits a definite sum of money after regular intervals decided by him as per the schemes provided and designed by the banks. This regular investment gets accumulated over a period of time all the while earning interest and when the investment period is over this money now called the maturity value is the return for this investment which is pretty much high as compared to other investment options. You can use this recurring deposit calculator to find out more.

4. Post Office Saving Schemes

Post Office Saving Schemes are famous for their high returns and the monthly wage scheme is very good for the retired personnel. Apart from that the post office offers many profitable schemes like Kisaan Vikas Patr, National Saving Schemes, National Saving certificates which are very good options for long term investments.

Other than these there are a few other investments which involve a little risk but the returns are very high.   

Investing a Mutual Fund

People who want to invest and want to limit risk and magnify returns generally choose to invest in mutual funds.

Direct Equity or Share purchase

Analysing a share stock before buying a direct equity or share is the most important thing any when invested in such a share for more than 15 years, it is somewhat assured that there will be a higher return.

Real Estate Investment

It is fastest growing sectors in India and holds a huge prospect in major sectors. The risk is also very low as the rate of property increases within 6 months and the trend goes on.

Investing in Gold in Various Ways

Gold is the oldest investment option. It is safe as the value of gold increases quickly.

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