Can anyone suggest me a very good , genuine and safe investment opportunity for my hard earned savings??

Answer 1

Pickup your mattress, cut a hole in it and insert.

Answer 2

If you are asking that question in this forum, you are obviously a naive investor. You should avoid buying individual stocks and put your money in a no-load mutual fund.

The fact is that if anyone knew of a stock that was undervalued, they would buy it & that would bid up the price, making it less likely to be undervalued for later investors.

Academic studies show that new information gets imbedded in prices almost immediately. This means that if someone tells you here that there is good news for a company, then that good news is already priced in.

The only way to beat the market on a regular basis is to have private information. There are three ways to get private information. One is to have insider information (which is usually illegal to use in trading). One way is to pay for it -- taking away the advantage. The third way is to gather up all public information on your own & glean information from it -- leading you to realize the private information that causes the public information. In other words -- use fundamental analysis. Since there are other people doing this analysis on big firms -- the payoff isn't going to be high, since they will probably get the information before you.

All of this means that profits can be made in smaller firms where no analyst is covering the company. You can be the first to learn what the public information means. Unfortunately, doing this involves a skill and knowledge that most people don't possess. And it is certainly a knowledge that you aren't going to learn asking here.

No load mutual funds are your best bet.

Answer 3

It is obvious from your question that you do not know any thing about investing..At least you do not have any experience of investing.
Unfortunately there are very few people in any town who can explain all the avenues in a comprehensive way.normally what happens is one person suggest equity another FD's yet another insurance then comes Gold,Property etc.
So you have to find a person who is first of all RELIABLE.Let him explain all the things to you then see what you are comfortable with then what are your need for investing ,how much return you are expecting and how safe your money is after investing.
Remember High risk high gains and Low risk low gains.

Answer 4

Mutual funds or variable Annuities.
But if you try to go to most well-known investment bankers, they'll want you to start with a high initial investment. I know of one for sure that won't even work with you unless you have at least $100,000 to start with!
However, if you happen to have a bunch of money saved, inherited it, or other wise came into money somehow, they will put it into high-yield funds that earn way more than what you'd get at a bank, even from CDs.
FYI: When banks say they'll give you a 2% return on your savings, what they're really doing is investing your money into the stock market, earning way, way, way over 2%, giving you your 2%, then pocketing the rest. That's how they do business. It's legal and it's very profitable for them. That's why they don't mind giving you 2%. It's chump change to them.

Answer 5

Well,first understand Money can never ever be hard earned only you can loose hard. When considering investments, Please look for the following avenues.

Out of the money which is disposable by you towards savings, make these wise choices but choosing them all is wiser.

1) Bank Deposits and Recurring deposits/NSC's
2) Gold (Physical Stock)
3) Gold Silver and other metals (Commodity exchange)
4)Life Insurance
5)Mutual funds of all hues- what I mean is invest in safe return giving companies of all Mutual Funds
6) Real Estate (appreciation is faster and the profits are unimaginable)
7)Government Bonds
6)Stock market investing (I mean pure investing and No selling at all and Trading is strictly prohibited unless you want to lose ur 5 to 6 generations of wealth in minutes)
9)Fixed deposits in MNC's and Reputed companies/post office accounts
10) Stock Market positional play ONLY and ONLY Nifty Futures, Call Options. Do not even think of Individual Stock futures. Think only NIFTY , Nifty...... You are safe with minimal Risk

Above all you must on a daily basis calculate your Own Nett Worth. Do not fail at all for daily calculation of your nett worth

Keep Investing and enjoy , For further consultation you can contact me at [e-mail]

L Raja Rajan

Answer 6

You should try to divide your investments into different schemes.

1). Invest some money in Fixed Deposit (The safest one, but rate of interest is less, so is the risk factor).
2). Invest a little part in Monthly Income Scheme (MIS) in Post Office (Here also its totally secure with fixed returns).
3) Invest some part in mutual Funds (Here the returns are variable which depend on your risk taking ability).
4) Invest in shares (again returns are variable depending upon market).
5) If you have some large amount to spare invest in property, which will give you the maximum returns in near future.

Happy investing....

Answer 7

Sir, Go For Fundamentally good Script for 2 to 3 years Prospectiv e.g invest in ITC

Answer 8

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Answer 9

Allocate as follows and you will be a winner:

20% should go into ETF's through Ameritrade.

10% should fund your life insurance program for your lifetime in Equity Index Life. http://www.joesalvemini.com/life_insurance_quote Also buy disability insurance and at age 45 buy Long-term care insurance for you and your spouse.

70% should go into SAFE MONEY products and they are the following:

1. Fixed Index Annuities ------Where your account value does NOT Decline in Value. -----Where the Credited Interest to your account does NOT Decline in Value. -------Where the interest you earn each year is based ONLY on the Upside of a Stock Index (You would accept a Cap on the Upside of say 8% in exchange for not having your account decline in value, wouldn't you???? I know I would!!!!) The Cap varies by company & annuity and is usually guaranteed for 1 year. Other crediting methods are also available. To Learn more Visit: http://www.jdsannuities.com/index_annuities

By the way, the way the insurance company is able to vary the interest you earn which is based on a stock index is by the use of a derivative for the interest part only.

2. Fixed Deferred Annuities - Where you have a wide selections of multi-year guaranteed rates or for 1 year, 3 years or 5 years. most are 5 to 10 year products. To Learn more and see most of the rates for yourself visit: http://www.jdsannuities.com/annuity_rates

To view the overall website for Annuities visit: http://www.jdsannuities.com

Answer 10

there are several investment avenues.
1) stock market
2) mutual funds
3) SIP i.e. systematic investment plan wherein you invest a fixed sum of money monthly in mutual funds
4) post office in your children's names
5) real estate

all the best
do well

Patience is the Best Reward
:)

Answer 11

Well, if you want low risk I would go with mutual funds.

If you can take higher risk, go with stocks.

Stocks have always done better than mutual funds in the long term, but of course the risk is much higher.