What are the best investment options for middle-class individuals in India?

People make investments in order to meet all their requirements that arise in future including expense for the child’s education and retirement plans. Investment plays an important role in everyone’s life and is one of the major decisions that require a lot of research. The online medium provides great help as these days you can easily get all the important information online. You should consider all the important factors so that you can select the best investment option as per your need and affordability. Make the selection as per your objectives and risk appetite. 

Some investments have greater risk while the other investments involve less risk. Generally, middle-class individuals opt for those investments which give them good returns and involve less risk. But do not forget the fact that those investments which have a greater risk also promise higher returns. Risk and return are the related terms. You need not worry as a lot of investment options are available in the Indian market and you can choose the investment option as per your risk-appetite. 

Check out some of the best investment options that are available for middle-class individuals in India: 

Unit Linked Insurance Plan: 

Unit Linked Insurance Plan is the best investment option as it is the combination of insurance cover and investment option. Insurance companies provide you life insurance cover and at the same time, they also invest a portion of the premium in debt and equity markets. So this way you can enjoy the benefits of both that is insurance and investment. You must check the credibility and past record of the insurance company from whom you are planning to take Unit Linked Insurance Plan. If you are a person who has a higher risk appetite then you go should go for it. 

Real Estate: 

Nothing could be better if you have the amount to invest in Real Estate property. It is considered to be on the list of best investment options available in the Indian market. Real Estate sector is growing at the fastest rate. The risk that is involved in investing in realty is quite low. The price of the property rises within 6 months so it is worth to make an investment in the Real Estate. Investing in a flat or plot would be one of your best decisions that you will never regret in your lifetime. 

Public Provident Fund: 

Public Provident Fund is a suitable investment option for the middle-class individuals. Under section 80C of Income Tax Act, a person enjoys various tax benefits for investing in Public Provident Fund. For opening your PPF account, you need to go to the bank or designated post office. There are some banks in the market that provide this service online also. It is a less risky investment with a lot of tax benefits. The interest that you earn is tax-free and deposited amount is eligible for tax deductions. The investment period is of 15 years and you can make partial withdrawals after a certain time. You can get the investment period extended for 5 years. 

Post Office Monthly Income Scheme: 

Post Office Monthly Income Scheme is the best investment option available in the Indian market for the middle-class people. Even a minor can invest in this scheme as the minimum eligibility age required is 10 years. The investment period is of 5 years. According to 80C of Income Tax Act, you are eligible to receive a tax rebate if you have invested up to Rs. 1.5 lakh. Only in some exceptional cases like the death of the investor or court order, one can make the early withdrawal. In POMIS, one can choose a nominee so that nominee can enjoy the benefits in case of early death of the investor. 

Company Fixed Deposits: 

Company Fixed Deposits are similar to the Fixed Deposits that you make with the bank. The difference is that the Company Fixed Deposits are made with the companies and they are better than the Bank Fixed Deposits. You must check the credibility and past record of the companies with whom you are planning to make the fixed deposit so that you can ensure yourself that you have made a safe investment. An investor should choose the term wisely as once the amount is deposited with the company it cannot be withdrawn before the maturity. It is a long-term investment with high risk. 

Bonds: 

It is the best investment option for those who do not want to spend in equity and mutual funds. Bond is considered as a safe investment and ensures public higher returns than other investment options. There are a variety of Bonds available in the market including Zero Coupon Bonds, Convertible Bonds and more; you can choose as per your need or requirement. The risk of losing the principal amount is quite low in the Bonds. That is why a Bond is one of the best options for making an investment if you are a middle-class individual and not comfortable to invest in equity and mutual funds. 

Conclusion: 

Investment provides financial help for the future requirements including retirement funds, expenses for child’s education and more. Before investing in any of the investment options you should think and do a lot of research. The online medium can help you to select the best investment option available in the Indian market. It is one of the major and important decisions that one makes in order to fulfill all the future requirements. Also, do not forget to check the credibility of the organisation with whom you are depositing your amount as it ensures that your investment is in safe hands. Remember the fact that all those investments which involve a higher risk also promise to provide you higher returns. Be wise and make your investment decision after considering various important factors. 

If you are looking for some of the best investment options for middle-class individuals in India then you are at the right place; do scroll up the page.