By investing in the safe investment options in India, you will not only achieve your financial goal but as well create a financial cushion for the future to live a happy and secure life. The reason why investors are looking for safe investment options is so that they can double the money with minimal risk involved. Indians generally prefer to invest in government-backed instruments as these are considered safe investment avenues. We ain’t denying this fact but if at a similar time you’re looking for higher returns, we got some options covered for you. We are here to suggest you and explain investment avenues which are comparatively safe and will fetch you high returns at a similar time. It’s better than the traditional investment option you have been investing in since a very long time.
- Peer-to-peer Lending
This is a unique investment option. Here the investor registers himself and invests his/her hard-earned money on the verified borrowers available on the platform. The verified borrower which allows screening mechanism ensures more diversification and better returns. It also offers a passive income while diversifying their investment exposure across a range of borrowers, which potentially lowers the risk of default.
Extending the funds to borrowers on a P2P platform offers investors the opportunity to gain exposure to a diversified portfolio of borrowers that the P2P platform has vetted. The returns achieved in a P2P environment are higher than conventional returns i.e. up to 10-12% p.a, particularly in the current returns environment in developing countries like India.
- Mutual Funds
If you want to invest in markets but do not have the required experience and expertise, you can opt to invest in Mutual Funds and get higher returns. Very profitable in the long run, but are somewhat volatile too owing to their dependence on the equity markets. Funds can be added from anywhere and at any time in mutual funds of your choice making it very popular among investors.
A very volatile yet profitable asset, buying and selling of stocks can lead you to financial independence pretty quickly. Stock trading is an entirely online process where an investor buys a fixed number of shares of a particular company thereby becoming a shareholder in it. As already mentioned, stocks are very unpredictable and can wreck your financials if not taken care of. However, this shouldn’t sway you away from it.
This new-age investment option is beneficial since it is safe if invested in the funds correctly and provides high returns too. Peer-to-peer investing is the better option as it provides diversification with the tool to look after the risk and surely better returns of up to 10-12% p.a.