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Best Investment Options To Get High Returns in 2024
If you are looking for investment options, Assetmonk is one of the best choices that can give you higher returns.
Invest Now
Short Term Investment Option
Long Term Investment Option
One Time Investment Option
Safe Investment Option
SIP vs One Time Investment
SIP vs LumpSum Investment
Here is a list of the best ways to invest money in India that you can consider adding to your financial portfolio:
“Where to invest money?” Is a question on every investor’s lips. It can be quite the task choosing where to invest money in India, as the options can be endless.
Here are some of the best investment opportunities in India:
| Investment Options | Risk Level | Potential Returns | Liquidity | Suitable for |
| Real structured debt | Low | 12%-20% | High | Investors who want small investments big returns |
| Fixed Deposits (FDs) | Low | 4%-8% | Varies depending on terms | Conservative investors looking for capital preservation and regular income |
| Public Provident Fund (PPF) | Low to Moderate | 7.1% | Low (lock-in period of 15 years) | Individuals seeking tax-efficient, long-term investments |
| POMIS | Low | 7.1% | Moderate | Investors seeking low-risk investment with regular monthly income |
| Mutual Funds | Varies (based on fund type) | 6%-9% | Moderate to High (depending on fund type) | Investors seeking professional management and potential for higher returns |
| National Pension System (NPS) | Moderate | 8%-10% | Low to Medium (withdrawal restrictions apply) | Individuals planning for long-term retirement |
| Equity Shares | High | 6.6% | High (can be bought and sold on stock exchanges) | Investors with a higher risk appetite and a long-term investment horizon |
| Sovereign Gold Bonds | Moderate | 2.5% | Low | Individuals seeking a hedge against inflation and want fixed income |
| Gold | Moderate | 12% | Moderate (depending on form of investment) | Individuals seeking a hedge against inflation and currency fluctuations |
Note: Remember that the choice between short-term and long-term investments depends on your financial goals, risk tolerance, and investment timeline. A balanced approach often involves having a mix of both short-term and long-term investment plans to cater to different financial needs and optimise returns while managing risk. Now, I know what you must be wondering…
Which Investment is the Best?
There’s no one best investment for everyone. Every money investment idea depends upon the individual investor’s risk appetite and financial goals for investment.
So here’s the best way to invest money in India, categorised per risk levels:
High-Risk Investments:
High-risk investors in India are like savvy pioneers, keeping a close eye on the market trends and ready to seize opportunities in this vibrant and ever-changing financial landscape.
1. Mutual Funds
Mutual funds are one of the best ways to invest in India. They gather funds from numerous investors to create a well-diversified investment portfolio consisting of bonds, stocks, and various other securities.
Source:MordorIntelligence
- Tenure: 3-5 years, varies
- Minimum Investment: Varies
- Maximum Investment: No defined limit
- Average Return: 5-15 percent, Varies based on fund type and market conditions
- Risk: Moderate to High
- Taxation: Taxable (Capital Gains)
- Tax Benefits: Equity-linked Savings Scheme (ELSS) offers tax deduction under Section 80C
- Also read No more indexation benefits for debt mutual funds; what should investors do?
Note: Nearly 70% of India’s Mutual Funds Investments Came from these 5 states. The Top 4 states and a Union Territory — Maharashtra, Karnataka, Gujarat, West Bengal and New Delhi — witnessed an average growth of around 27-30% in AAUM (average assets under management) in January 2024 on a year-on-year basis, according to a report by ICRA Analytics.
2. Equity Investments
Source:efinancemanagement
Equity investment is a financial investment where you invest directly in stocks of publicly listed companies. It offers potential capital appreciation and dividend income.
- Tenure: Varies
- Minimum Investment: Varies
- Maximum Investment: No defined limit
- Average Return: 7% – 12% (historical)
- Risk: High
- Taxation: Taxable (Capital Gains)
- Tax Benefits: Long-term capital gains on equity investments are exempt up to a certain limit.
3. Initial Public Offerings (IPOs)
Participating in IPOs allows investors to buy shares of companies during their public offerings.
Source:.indiainfoline
- Tenure: Short
- Minimum Investment: Varies
- Maximum Investment: Varies
- Average Return: Varies based on company performance
- Risk: High
- Taxation: Taxable (Capital Gains)
- Tax Benefits: No specific tax benefits.
4.Peer-to-Peer Lending (P2P)
One of the best short term investment options , P2P lending platforms connect borrowers with lenders, providing an opportunity for earning interest income.
Source:wallstreetmojo
- Tenure: Short to Medium
- Minimum Investment: Varies on different platforms
- Maximum Investment: Varies on different platforms
- Average Return: 12 percent, Varies based on borrower performance
- Risk: High
- Taxation: Interest is taxable
- Tax Benefits: No specific tax benefits
5. Debt Funds
Debt funds is an investment idea where you put money in fixed-income securities like real estate-backed structured debt products that help you reap non-market-linked fixed returns.
Source:scripbox
- Tenure: Varies
- Minimum Investment: Varies
- Maximum Investment: No defined limit
- Average Return: 6%-9%, Varies based on fund type and market conditions
- Risk: Moderate to high
- Taxation: Taxable (Capital Gains)
- Tax Benefits: No specific tax benefits
6. Systematic Investment Plans (SIPs)
SIPs are one of the best ways to invest money in India. They allow regular investments in mutual funds, enabling rupee-cost averaging and reducing the impact of market volatility.
Source:fincash
- Tenure: Varies
- Minimum Investment: Rs 500
- Maximum Investment: No defined limit
- Average Return: 10-20%Varies based on fund performance
- Risk: Moderate to High
- Taxation: Taxable (Capital Gains)
- Tax Benefits: Similar to mutual funds
Also read How to Use a SIP Calculator to Plan Your Investments.
Low-Risk Investments:
- Low-risk investments are like the superheroes of financial choices – they’re all about keeping your money safe and steady. People who prefer low-risk investments are often those who don’t want to take big chances with their money, like retirees or those getting ready to retire.
- In India, some popular low-risk options are Fixed Deposits (FDs), Savings Accounts, and Government Bonds.
- If you’re a low-risk investor, you’re all about making sure your initial amount stays secure and getting reliable returns you can count on. It’s like having a financial security blanket.
7. Post Office Monthly Income Scheme (POMIS)
POMIS is a low-risk investment that provides regular monthly income.
Source:.indiapost
- Tenure: 5 years
- Minimum Investment: ₹1500
- Maximum Investment: ₹4.5 lakh (single)
- Average Return: 6.6% – 7.3% (historical)
- Risk: Low to Moderate
- Taxation: Interest is taxable
- Tax Benefits: No specific tax benefits
8. Fixed Deposits (FDs)
Fixed deposits with banks are one of the best investment options in India. It is a good investment plan.
Source:paisabazaar
- Tenure: 7 days to 10 years
- Minimum Investment: Rs.1000
- Maximum Investment: No defined limit
- Average Return: 3% – 6% (approx.)
- Risk: Low
- Taxation: Interest is taxable
- Tax Benefits: No specific tax benefits
9. Public Provident Fund (PPF)
PPF is one of the best long term investment options. It is a great investment scheme, with the added bonus that it is guaranteed by the government.
Source:canarahsbclife
- Tenure: 15 years
- Minimum Investment: ₹500
- Maximum Investment: ₹1.5 lakh/year
- Average Return: 7% – 8% (historical)
- Risk: Low
- Taxation: Tax-free (EEE – Exempt, Exempt, Exempt)
- Tax Benefits: Tax deduction under Section 80C
10. Employee Provident Fund (EPF)
If you want to invest money to get good returns, EPF provides for a retirement savings scheme where a portion of your salary is contributed towards a provident fund, which earns interest over time.
Source:canarahsbclife
- Tenure: Long
- Minimum Investment: 12% of Salary
- Maximum Investment: ₹2.5 lakh/year
- Average Return: 8.5% – 9.5% (historical)
- Risk: Low
- Taxation: Taxable (Withdrawal)
- Tax Benefits: Tax deduction under Section 80C, interest earned is exempt
11. National Pension Scheme (NPS)
NPS is a great financial investment, especially if your money investment plan is catered towards the long term and retirement.
It is a voluntary pension scheme that helps individuals save for retirement, providing market-linked returns and tax benefits.
Source:.canarahsbclife
- Tenure: Long
- Minimum Investment: ₹500
- Maximum Investment: No limit
- Average Return: 8% – 10% (approx.)
- Risk: Moderate
- Taxation: Taxable (Withdrawal)
- Tax Benefits: Additional tax deduction under Section 80CCD(1B)
12. Sovereign Gold Bonds (SGBs)
SGBs are government-issued bonds that track the price of gold, offering the benefits of both gold and fixed-income investments.
Source:investify
- Tenure: 8 years
- Minimum Investment: 1 gram of Gold
- Maximum Investment: 4 kg of Gold/year
- Average Return: 2.5% fixed rate + Gold price changes
- Risk: Low to Moderate
- Taxation: Interest is taxable, exempt from Capital Gains
13. National Savings Certificates (NSC)
NSC is a government savings bond that provides fixed returns over a specified period.
Source:canarahsbclife
- Tenure: 5/10 years
- Minimum Investment: ₹1000
- Maximum Investment: No limit
- Average Return: 6.8% – 7.6% (historical)
- Risk: Low to Moderate
- Taxation: Interest is taxable
- Tax Benefits: Tax deduction under Section 80C
14. Commercial Real Estate Structured Debt
The question remains: Where to invest money to get good returns? And out of all the options we’ve given, which investment is the best? Let’s talk about structured debt, an alternative investment option in India.
- Structured debt backed by real estate is an alternative financial investment. It offers fixed-income opportunities through collateralized real estate assets.
- It is one of the best short term investment options with high returns in India. Via alternative investment platforms like Assetmonk, the minimum period for investment is 36 months.
- It is one of the best investments for senior citizens in India offering regular monthly and fixed income.
- Tenure: 36 months
- Minimum Investment: Rs. 10 lakhs
- Maximum Investment: No cap
- Average Return: 12% – 20% (approx.)
- Risk: Low-None
- Taxation: Interest is taxable
- Tax Benefits: Claim tax benefits up to Rs.50k
Medium-Risk Investments:
- Medium-risk investments are like the cool adventurers in the financial world – they find the perfect balance between possible gains and just the right amount of excitement.
- These are great for folks who are in it for the long haul. If you’re up for some middle-ground fun, check out options like Mutual Funds, National Pension System (NPS), and Real Estate. Medium-risk investors want a mix of stability and growth in their investments.
15. Unit-Linked Insurance Plans (ULIPs)
ULIPs are another best investment option in India. ULIPs combine insurance and investment, providing life coverage and investment opportunities. It is a long term investment option with high returns. ULIP provides the best investment plan for 5 years.
Source:canarahsbclife
- Tenure: 5 years
- Minimum Investment: Rs 1,500
- Maximum Investment: No defined limit
- Average Return: 12 percent
- Risk: Moderate to High
- Taxation: Tax-free (EEE after 5 years)
- Tax Benefits: Tax deduction under Section 80C
16. Real Estate
Real estate is probably one of the best long term investment options with high returns, providing one of the best ROI in India. Investing in residential, commercial, or rental properties offers potential capital appreciation and rental income.
Real estate is one of the best long term investment plans. The longer your investment is for, the more your returns are.
- Tenure: Long
- Minimum Investment: High
- Maximum Investment: No defined limit
- Average Return: 10 percent
- Risk: Moderate to High
- Taxation: Taxable (Capital Gains)
- Tax Benefits: Long-term capital gains on real estate can have indexation benefits.
17. Gold and Precious Metals
Gold is one of the best investments in india. Investing in gold or other precious metals provides a hedge against inflation and market uncertainties.
- Tenure: Varies
- Minimum Investment: Varies
- Maximum Investment: No defined limit
- Average Return: Varies based on gold prices
- Risk: Low to Moderate
- Taxation: Taxable (Capital Gains)
- Tax Benefits: Gold Monetization Scheme offers potential tax benefits on interest earned.
Documents Required For Investment
Here are Top required documents such as
Aadhar,
PAN,
KYC documents,
bank details,
Photo identity … etc.
Final Thoughts
I hope after this exhaustive guide, you’re not still wondering: Where to invest money in India?
Investing is a vital tool for growing wealth, achieving financial goals, and securing your future. By understanding the various india investment options, assessing risk, diversifying your portfolio, and planning wisely, you can navigate the investment landscape with confidence. Remember to consider your unique circ*mstances, get expert advice when needed, and start investing early to maximise your potential returns.
Assetmonk is one of the best alternative investment platforms in India. At Assetmonk, we specialize in offering personalized support and carefully selected real estate-backed fixed-income investment products. These are the best guaranteed return investments plan and small investments and big returns investments. You can invest with just Rs. 10 lakhs.
Our focus is on providing an exceptional Internal Rate of Return (IRR) of 17% by tapping into growing private markets worldwide. We prioritize security and stability, aiming to safeguard investor interests regardless of external circ*mstances. With optimism for a brighter future, we emphasize making well-informed decisions to protect and grow investment portfolios. So, if you are looking for the best investment plan with high returns, contact Assetmonk.
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FAQs About Choosing the Best Investment Options in India
| 1.What Are the Best Investment Options for Good Return? A. Best Investment options for Good Return are:Real estate structured debt, National Pension Scheme (NPS) SIPs, Fixed Deposits (FDs) |
| 2. Is It Good to Choose Long Term Investment Options? A. Long-term investments, such as stocks and Real estate structured Debt, provide higher returns compared to short-term investments. They offer the potential for capital appreciation and higher yields, especially during periods of economic growth. |
| 3.What Are the Risk Factors I Should Consider While Selecting Investment Options? A. 5 key factors to check before choosing an investment plan:1. Return on Investment (ROI)2. Time to Goals3. Cost4. Liquidity5. Tax Considerations |
| 4.What Are the Best Investment Options for Tax Saving in India? A. Best Investment options for Tax Saving in India are:Unit Linked Insurance Plans (ULIP)Real estate Structured Debt, Public Provident Fund (PPF)National Pension System (NPS)Structured debt real estate is one of the best investment options for Tax Saving. Via alternative investment platforms like Assetmonk, you can get an assured IRR of 17 percent. Furthermore, Investors have the opportunity to benefit from potential tax savings of up to Rs. 50,000. |
| 5.What is the difference between a savings plan and an investment plan? A. Saving money typically implies putting an amount aside for later use without facing any risk of losing its value. On the other hand, investments consider a long-term strategy for a particular financial objective. The most foundational difference between savings and investment plans is Risk. |
| 6.Why Should I opt for an Investment Plan? A. Plans for investments and savings assist you in building up money over time. You can select the investment period based on the kind of financial goal you have, whether it be long-term, mid-term, or short-term. It is not necessary to stay invested in saving plans for at least 5 years. Real estate structured debt investments has a Lock-in period of just 36 months and you can additionally avail tax benefits up to Rs. 50, 000. |
| 7.Should I opt for a Short-term or Long-term Investment Plan? A. If you want to preserve your capital and are happy with moderate returns then choose short term investments. However, if achieving higher returns is your aim, then you should make long-term investments.Though it is important to consider your income, needs, and risk-appetite before you make an informed decision to choose between a Short-term or Long-term Investment Plan. |
| 8. How much can I withdraw from my investments? A. An investment in an open end scheme can be redeemed at any time. Redeemable investments are unrestricted unless they have a lock-in period like in an Equity Linked Savings Scheme (ELSS), there is a 3-year lock-in period from the date of investment. |
| 9.What is the safest investment with highest refund? A. Real estate Structured Debt is the safest investment with the highest refund which offers an assured IRR of 17%. |
| 10. What is the 72 rule in investing? A. A calculation known as the Rule of 72 determines how long it will take to double your money at a given rate of return. If, for example, your account earns 6 percent, divide 72 by 6 to get the number of years it will take for your money to double. In this case, 12 years. Years to double = 72 / rate of return on investment (or interest rate) |
| 11.How can I grow my money fast? A. Best ways one can grow his money to its full potential are:Say No to Debt. Be Consistent in your Investment Start Early Invest Smartly Diversify your Investments Investing in Real estate Structured Debt is one of the fastest, most efficient and most effective ways to grow wealth over the long haul. |
| 12. What is the safest investment? A. Bank Fixed Deposit (FD) and Real Estate Structured Debt are the safest investment option with assured returns. Real estate structured Debt offers an assured IRR of 17%. |
| 13. How can you double your investment in five years? A. Real estate is an investment option which is capable of doubling your money in a period as low as 5 years. It provides for a stable cash flow as you can rent the property and is far more predictable from any other investment options.For example if you wanted to double an investment in 5 years, divide 72 by 5 to learn that you’ll need to earn 14.4% interest annually on your investment for 5 years: 14.4 × 5 = 72.Real estate structured Debt offers an assured IRR of 17%. |
| 14. What is the best investment plan for 1 and 5 Years? A. Best One-Year Investment Plans, Some of the best one-time investment plans for 1 year are as follows: Fixed Deposits, Mutual Funds, Post-office term deposits, Best Investment Plan for 5 Years. Some of the best one-time investment plans for 5 year are as follows: ULIPs, PPF and EPF5-Year Fixed Deposits ,Stocks |
| 15.Which investments are best for 5 years? A.ULIPs, PPF and EPF, Stocks, NPS (National Pension Scheme)Investors may also consider investing Real Estate Structured Debt which offers an assured IRR of 17% and a lock-in period of just 36 Months. |
| 16. What are the top 10 investment options in India? A. Top 10 investment options in India are: Real estate structured debt, FDs, PPF, NPS, Pradhan Mantri Vaya Vandana Yojana, Mutual Funds, Debt Funds, Systematic Investment Plans (SIPs),Unit-Linked Insurance Plans (ULIPs),Gold and Precious Metals |
| 17.What is the safest investment? A. Real Estate Structured Debt is the safest investment option with assured IRR of 17% via alternative investment platforms like Assetmonk. |
| 18. Are bonds a good investment right now? A. Because of the low interest rate environment, many investors have been hesitant to hold bonds for years, but that shouldn’t be the case anymore. One challenge presented by the current environment is the inverted yield curve, which means long-term yields are lower than short-term yields. In the past, investors would require greater yields in exchange for lending their money for longer durations, but that isn’t the case right now. Ultimately, the decision on whether or not to hold bonds and in what amount will depend on the unique circ*mstances of each individual investor. But the rise in interest rates has made bonds more attractive than they’ve been in over a decade. |
| 19. Which investment has the highest returns? A. Real Estate Structured Debt has the highest returns with an assured IRR of 17% and additional tax benefits upto 50,000. |
| 20. Where should I invest money for the best returns? A. Real estate is an investment option for best returns. It provides for a stable cash flow in the form of rentals and is less volatile to market fluctuations than any other investment options. |
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