7 Secret Of Investment Useful For You

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If you interest in investment, this blog presents some best secret for you...........

1- Fixed Deposit

A fixed deposit (FD) is a financial instrument provided by banks which provides investors with a higher rate of interest than a regular savings account, until the given maturity date. However, one also has the option to withdraw the deposit before maturity. It may or may not require the creation of a separate account. Fixed deposits are one of the most common types of savings schemes for the investors. The features of fixed deposits may vary from bank to bank. Different banks have different minimum deposit amounts. However, one can deposit in multiples of 100Rs. The interest rate varies between 8 to 10 percent. The tenure of an FD can vary from 7 days to 10 years.

2- Insurance Policy Investment

Life Insurance is the fastest growing sector for investors. Life Insurance in India was nationalized by incorporating Life Insurance Corporation (LIC) in 1956.Government allowed Private players and FDI up to 26% and recently Cabinet approved a proposal to increase it to 49% in India. By investing in life insurance, almost anyone can transfer the financial risks of dying early, guaranteeing a payout for family members who might otherwise be left in economic turmoil. Today's life insurance policies, however, often come with features borrowed from the investment world, blending traditional insurance with attributes of a mutual fund account. The types of life insurance in India are Term Insurance Policies, Money-back Policies, Unit-linked Investment Policies (ULIP), Pension Policies etc. Apart from Life Insurance Corporation, the public sector life insurer, there are 23 other private sector life insurers like as ICICI Prudential Life Insurance, Bajaj Allianz Life,Max Life Insurance,Sahara Life Insurance, Tata AIA Life,HDFC Life,,Birla Sun Life Insurance,Kotak Life Insurance.

3- Real Estate Investment

Real estate investing involves the purchase, ownership, management, rental and sale of real estate for profit. Real Estate has traditionally outperformed the Wall Street equity market. Real estate investment has always been a favorite of investors. However, in the year 2014, it is not recommended to invest too much in this sector. Real estate investment has already attracted high-escalated rates which makes it even beyond the capabilities of rich people. This situation is particularly true for cities like Delhi, Mumbai & Bangalore. The state of affairs is comparatively better in the two or three tier cities. You should carefully consider the prices of the property before you invest. If the prices seem pretty good to you then go ahead.

4- Public Provident Funds (PPF)

Public Provident Fund (PPF) scheme is a popular long term investment option backed by Government of India which offers safety with attractive interest rate and returns that are fully exempted from Tax. Investors can invest minimum Rs. 500 to maximum Rs. 1,50,000 in one financial year and can get the facilities such as loan, withdrawal and extension of account.

Public Provident Fund (PPF) is a good option to invest money securely for future periods. The primary reason is the high rate of returns mainly for people who are under 30% tax brackets. The rate of interest returns on PPF can be as good as 9%. However, the time span of investment can be as high as 15 years. However, with almost no risk options & good returns makes this a pretty feasible option to choose.

5- National Saving Certificate (NSC)

National Saving Certificate (NSC) is a favorite investment options of people in India . National Savings Certificates, popularly known as NSC, is an Indian Government Savings Bond, primarily used for small savings and income tax saving investments in India. It is part of the postal savings system of Indian Postal Service (India Post). Scheme specially designed for Government employees, Businessmen and other salaried classes who are Income Tax assesses. A person can begin with as small as Rs.100/-. The rate of interest is 8.5% for 5 years and 8.9% for 10 years deposit which is calculated two times in one year. No maximum limit for investment. Maturity value of a certificate of Rs.100/- purchased shall be Rs. 151.62 after 5 years. Maturity value of a certificate of Rs.100/- purchased shall be Rs. 236.60 after 10 years.

6- Mutual Fund Investments

Mutual Funds are very popular among people. A mutual fund is a type of professionally managed collective investment scheme that pools money from many investors to purchase securities. While there is no legal definition of the term mutual fund, it is most commonly applied only to those collective investment vehicles that are regulated and sold to the general public. They are sometimes referred to as "investment companies" or "registered investment companies". Most mutual funds are open-ended, meaning stockholders can buy or sell shares of the fund at any time by redeeming them from the fund itself, rather than on an exchange.

7- Stock Investments

Stock is an equity investment. What does that mean for you? Proud ownership of a company you believe is a good investment. So if you invest in a stock, you have an ownership stake in the corporation that issued it Investment in stock market is an ideal way to generate higher profits faster. We consider it as one of the most risky investment options. Yet it is the finest option of all the best investment options in India for 2014. However, there are high risks involved & you cannot be assured of the returns every time. Hence, it is very important to understand the market properly. Also you should have a sound knowledge about the various factors that affects the stock market. If you know all this then no one can stop you from earning good amount of high returns.