2006-12-18 01:17:34 · 7 answers · asked by kamla D 1 in Business & Finance ➔ Investing
it is based on various factor
some of the factors are
age
quantum of money
short or long term
ur other earning / savings
risk u want to take
and
so on.......
2006-12-18 01:57:34 · answer #1 · answered by sundar k 2 · 0⤊ 0⤋
Hi Investing through Banks gives a simple and flexibility to your investments, The most liquidity ever thought is with the bank deposits and money is earned too by way of interest. Next to it is Post Office Schemes but it has no liquidity as compared to bank deposits, Banks are giving around 8 % p.a. Post office too are giving between 8% to 8.5 % in it different schemes, KVP,MIS are the schemes of Post Offices, Other than that u can invest through various mutual funds it is a little bit risky as returns are not sure but at an normal returns more than 20% pa is achieved.
It is not advisable to put your money with private sector on interest. U can invest in Equity Shares more unexpected returns but there is a risk too attached.
It is on Your risk taking profile/your income/your savings/age/liability's to decide which scheme would be best for u.
THANKS
2006-12-18 02:38:16 · answer #2 · answered by AVANISH JI 5 · 0⤊ 0⤋
If you can spare a lumpsum amount of say 3 or 6 lakhs this amount can be invested in a deposit with post office bearing 8% interest per annum for six years. If the investment is made in joint names of the spouses the upper limit is 6 Lakhs and if in one name it is 3 Lakhs.
The interest which accrues on a monthly basis on the amount of 3 or 6 Lakhs which would work out to Rs 2000 or Rs 4000 respectively can be invested again back into an RD account opened with the Post office.
This is quite convinient because the money is just rotated and reinvested and this happens automatically and the growth rate is quite good.
2006-12-21 15:29:23 · answer #3 · answered by Old M 1 · 0⤊ 0⤋
Best bet will be Mutual Funds. Try Birla-you may earn 40% growth per annual and easy liquidity. Try investing in ICICI Pru life where in your money grows with a added advantage of risk cover. The growth FACTOR DEPENDS ON TERM YOU CHOOSE. THE MIN. LOCK IN PERIOD IS 3 YRS. The growth is between 30 to 40 %. Contact +91 93349 83828.
2006-12-18 01:39:00 · answer #4 · answered by ceegee 1 · 0⤊ 0⤋
In Post office the scheems can be MIS 8%,Kisan Vikras Patra.(100% safe).
In banks the FDRS
Again its a matter of choise depending on your age and ablity to take risks.
2006-12-18 02:26:26 · answer #5 · answered by v303ik 1 · 0⤊ 0⤋
u can go for safe and secured return by making fixed deposits
ICICI bank is giving 8% for 300 days which is 8.5% in case of senior citizens
2006-12-18 17:56:18 · answer #6 · answered by hulchul 3 · 0⤊ 0⤋
invest 20% mutul fund,40%share in power(ntpc.abb,bhel etc),it sector(infy,satyam etc),telecom(rcom.bharti etc)and20%kisan vikas patra 20%cash invest 1000 point dip in share
2006-12-18 05:45:18 · answer #7 · answered by rajesh 1 · 0⤊ 0⤋