Where to invest My Money!!!

Everyone is having this basic question in mind.

Where to invest my money so that i will get a good and safe return and which can be used for my retirement or child's education
or daughter marriage based on their needs.

These are some of the places where you can invest money based on your risk taking ability

1) Investing in Government Bonds
People who want to safely invest their money can buy these long term bonds of 20 -25 yrs .
These give a good return of 8% and are used by govt in collecting money for public.
These also have tax benefits and can be sold like other bonds in market.
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2) Investing in Fixed Deposits
This is one of the famous and best way to get a nice return.
Though the return is taxable , this way of investing is chosen by many investors to yield good return of upto 10% now.
For short term investment you can get upto 10-11% and for long term investment some banks are offering 10%.
This will good for investors who need money in short term as 2-3 yrs will give good return than long.
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3) Investing in Pension schemes
Pension schemes are one of the popular place where especially people working in private sectors invest.
People working in IT companies or in any private firms will not get the benefit which their fellow neighbors working in govt jobs get.
So the govt has introduced some schemes like NPS ( National pension scheme) which though gives only a minimum return when
calculated long term will yield good return.
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4) Investing in Post office schemes
Postal schemes are the schemes which where popular to people in those days.As this is the one which is
considered as the investment by many people .Still people believe that postal schemes will give safe returns even though
the return is not good.
One of the best postal scheme is POMIS or Postal monthly income scheme
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5) Investing in Property
Buying a land or flat/house is the dream of many youngsters and even older people who have not yet tasted the juice of
owning an house of their own.Many people believe that owning an house will give them self respect in the society.
Though analyst think of property as just investment , It is considered by people emotionally a value to their life.
This is one of the best investment which will give you a monthly income as rent and which can even be reverse mortgaged during olden
days to get income from banks.
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6) Investing in Mutual Funds
Generally people fear investing in markets as they believe that it is very risky to invest . These are basically because of lack of knowledge on this
things.People are not willing to change their minds and not ready to allow new things to come in their life.
But today's younger generations are ready to explore all possible ways to get good return for their hard earned money .
Mutual funds are good for even people who don't want to take risk as they are done by experts who know where to invest and when to.
Its always better to invest systematically in these schemes so that we will not suffer huge loss.
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7) Investing in Equity
Equity is one of the best place to get high returns for our money .Generally people who are ready to take high risks especially young people
can invest in equity which can yield them 15-17% if planned properly.
Before starting one needs to read the market carefully for some months and be aware of the things happening in the world to know about the
future of market.As market reacts to these news very much as people are emotional often than thinking about future.
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