List Of Top 5 Best Investment Plan In India 2020:
- Public provident fund (PPF)
- Equity mutual funds
- Real estate investment
- Debt mutual funds
- Bank fixed deposit (FD)
Best Investment Plan In India With High Return
1.Public Provident Fund (PPF):
PPF Is the Best Investment Plan in India in 2020. It is the safest and secure long-term investment product among the best investment plan in India. It is completely tax-free.
If the PPF account has been opened at a bank or post office, the money is blocked for 15 years and you can earn compound interest on that account.
You can also extend the deadline for the next five years. The only downside to this PPF account is that you can not withdraw your investment until the end of the sixth year.
If you need it, you can apply for a loan on your PPF account balance.
PFF Interest rate in 2018-19: 7.60%
Also read: Top 5 term insurance plan in India
2. Equity Mutual Funds:
The second best investment plan with high return in India is the equity fund. Equity Mutual funds invest primarily in equities. In accordance with the applicable rules for investment funds of the Securities and Exchange Board of India (Sebi), an equity investment fund must invest at least 65% of its assets in equity securities and equity-type instruments. An equity fund can be actively or passively managed.
In an actively traded fund, returns are largely dependent on the fund manager’s ability to generate returns.
Index funds and Exchange Traded Funds (ETFs) are passively managed and track the underlying index.
Equity systems are classified by market capitalization or the sectors in which they invest. They Investment according to whether they are national (invest only in equities of Indian companies) or internationally (invest in equities of foreign companies).
3. Real Estate Investment:
The house you live in is for self-consumption and should never be considered an investment. If you will not live there, the second property you buy could be your investment.
The location of the property is the most important factor that determines the value of the property and the fee to be paid.
Investment in real estate generates returns in two ways: capital appreciation and rents. In contrast to other asset classes, however, real estate is very much. It’s third best investment plan in India 2020.
4. Debt mutual funds:
Debt funds are ideal for investors who want constant returns. They are less volatile and therefore less risky than equity funds.
Investment funds invest primarily in fixed income securities such as corporate bonds, government bonds, treasury bills, commercial paper and other money market instruments. Currently, the market returns at 1, 3 and 5 years at 6.5
5. Bank fixed deposit (FD):
Fixed deposits (FD) are a very popular investment vehicle that offers fixed income securities as they offer fixed returns over the life of the investment. Returns are made monthly, quarterly or annually, as indicated by the bank.
According to the bank, FDs offer cumulative and non-cumulative options. For an uncollapsed option, interest will be paid on the subscription basis, while for the cumulative option, interest will be reinvested in the FD and therefore payable on maturity.
Fixed term deposits may be made online or through a branch of the bank of your choice.
Interest rates are attractive, ranging from around 6.50% for regular account holders to over 7% for the elderly with a one-year annual fee.
The FD offers a range of mandates (minimum – 7 days, maximum – 10 years), and investors can choose what works best for them. Bank FD it’s the fifth best investment plan in India 2020.
This are the top best investment plan in India 2020.
Ans: List of best investment plans are:
1) Public provident fund (PPF)
2) Equity mutual funds
3) Real estate investment
4) Debt mutual funds
5) Bank fixed deposit (FD)
Ans: The most notable difference between the two is the way the funds invest money. Equity funds use the money raised by investors in the form of equity and instruments linked to equity. When a Fund invests more than 65% of its portfolio in shares, it is generally considered an equity fund.
Ans: The best bank for FD are:
1) IndusInd Bank, RBL Bank : FD Rates in 1year is 8.00%
2) IDFC Bank : FD rates in 3 years is 8.25%
3) Axis Bank, HDFC Bank, ICICI Bank : FD Rates in 5 years is 7.25%