Everyone wants to earn the maximum interest on their investments with minimum risk of losing their money. This behavior is because everyone wants to reach their financial goal as soon as possible so they can have their dream car, dream house or the life they dream of. But the sad reality in today’s day and age is the possibility of that happening right away is slim. Factors like inflation, lack of great investment assets or volatility of the market makes it difficult for the general public to have the luxury of a stress free path for their financial goals. Having said that, a strategic investment plan in place can increase the possibility of that happening significantly.
Money Investment plan plays a crucial role in a person’s financial planning where they use their money in a disciplined manner to get higher and more stable returns. Having an investment plan gives a sense of direction and helps in determining the perfect strategy which a person can follow to reach their financial goals at their desired time.
Investment plans are financial products that provide an opportunity to create wealth for the future and meet the financial goals by investing periodically in different investment instruments, funds, and schemes.
Some of these investment plans in India help us invest our money in different market products in a Dynamic but systematic way to achieve our financial Goal. The 1st step in having a systematic investment plan is to assess your financial Goals and risk appetite and then see what an appropriate plan suits your need.
P2P Lending platform LenDenClub introduced a Fixed Maturity Peer-to-Peer Plan (FMPP), a term-based P2P plan where investors can get expected returns of 10-12% p.a*. It Offers investment different tenure with different effects on your investment.
With assuming you’re getting minimum 10% returns on your investment :-
Public Provident Fund
The Public Provident Fund scheme was introduced by the Finance Ministry’s National Savings Institute in 1968. The PPF scheme is to help individuals make substantial savings and provide returns on the savings. The PPF offers a rate of interest which is non taxable on the returns which are generated.
Monthly Income Plan
Monthly Income Plans, known as MIPs, are debt-oriented hybrid mutual funds that give a fixed return every month to the investor.
A mutual fund is a tool where money from investors is invested in securities such as stocks, bonds, and short-term debt.
(SCSS) Senior Citizen Savings Scheme
The Indian government offers the Senior Citizens Savings Scheme that assists senior citizens in saving and receiving quarterly interest payments.
Sukanya Samriddhi Yojana
An Indian backed saving scheme targeted at the parents of girl children. The scheme helps parents who want to build a fund for the future education of their girl child.
A Tax-Saving Fixed Deposit is a scheme through which you get tax deductions under Section 80C of the Income Tax Act, 1961.
Doing proper research and choosing the right investment plan, which offers long-term sustainable returns, capital appreciation, tax-saving benefits and fits your risk appetite before making an investment is essential practice. Here we have categorized different investment plans:
High-risk investment plans are suitable for those who have a high-risk appetite and whose main focus is to have long-term capital growth. Most high-risk investment plans include substantial Volitatity. the chances to create a huge possible return in the long-term is very likely. Some of the high-risk investment plans available in the market.
Investors with a low-risk appetite who can’t handle volatility in their investment portfolio chooses to invest in low-risk type investment options. These investment plans provide a reliable and stable growth of capital with minimum risk involved. Though these investments usually offer almost guaranteed returns, the investors may need to seal their money for the long-term, no liquidity, to earn a substantial return. Some of the best low-risk investment options.
Medium risk investment includes investment plans which have balanced and diversified investment. Medium risk investment plans provide an opportunity for growth as well as take care of the market volatility on a moderate level. Some of the common medium risk investment plans are.
FMPP is a non-market linked investment plan from LenDenClub that has no volatility risk of the market and manages to gives sustancial high returns.
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