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Calculators IFSC Bank Code New Invoice Generator EPF Calculator House Property Income HRA Calculator Sukanya Samriddhi Calculator Education Loan Calculator Car Loan Calculator Home Loan Calculator Personal Loan Calculator Risk Tolerance Calculator Financial Fitness Calculator Tax Impact Calculator Homeloan Refinance Calculator Retirement Savings Calculator. NIFTY 50 9, Select Portfolio and Asset Combination for Display on Market Band. Download ET MARKETS APP. Drag according to top convenience. These 10 decisions will ensure that your portfolio yields better returns, your transactions become savvier and your finances improve in the new year. If you were investing for years, these statistics would be truly worrisome. However, if your investment horizon is longer, say years, would have been a great year during which you stocked up on quality stocks or the funds that invested in them at low prices. The stock market graph is never a straight line. The Nifty's jagged trajectory has rewarded the patient and punished the jittery investor. What should investors do in ? Firstly, they should continue to save and invest for their goals and not be deterred india the noise about returns. More importantly, they should not lose sight of their asset allocation. If the equity portion of their portfolio has shrunk due to the decline in equities, it is top for them to get rid of some fixed income instruments and increase the allocation to stocks. However, this is generic advice that should be followed at all times. We have drawn up a list of smart things to do with your money in We didn't stop there. ET Wealth reached out to 50 financial planners across the country to know what they thought of our suggestions. Some of the steps we suggested have been heartily endorsed by the planners. At the same time, some suggestions like buying an online Ulip or shifting from regular mutual fund schemes to direct plans have not received a good response. Top out of three planners thought the Ulip was a bad idea, while one of every india planners gave direct plans a thumbs down. In the following pages, we will explain how direct plans can help you earn better returns and why you need to change your perspective about Ulips. We are sure that these two steps and eight other suggestions will prove rewarding in the new year. Open an NPS account Avail of additional Rs 50, tax deduction. Opening an NPS account should be a priority for those wanting to save more tax this year. Up to Rs 50, invested in the NPS under the new Section 80CCD 1b gets additional tax deduction, over and above the Rs 1. This would bring down the effective investment to only Rs 35, and push up the returns for the top. Even though investments in equity funds are not eligible for tax deduction, their potential to give superior returns more than makes up for it. The other problem with NPS is the rigid rules for investing the corpus on maturity. Withdrawals are taxable and the pension from annuity is taxed at normal rate. The monthly pension from annuity will be a mix of top and interest, but the entire amount will be taxed. Experts admit that taxing annuity income top the principal will also be taxed, but point to the deduction the investor enjoys at the time of contribution. Start using an e-wallet You get cash back and it's safer than online usage. This year, the RBI granted licences for payment banks to 11 entities. As e-wallets are expected india play a key role, you can start using these for discounts, cashbacks and other incentives. This, even as players like Paytm, PayU and Mobikwik are already offering significant cashbacks. Some financial planners believe that ease of online transaction and heavy discounting have led to a rise in discretionary expenses. However, there are incentives even for essential household expenses like grocery, Internet, DTH and mobile bills see table. Other categories include taxi rides, movie tickets, online shopping, food orders, hotel bookings, and flight, train and bus tickets. There are monetary rewards for referring others as well. The wallets—in which you can put in Rs ,—also offer security, a concern in options transactions. The sites maintain the same security level as that for any other banking transaction and you can india your loss by putting less money in the account. The only limitation is that they are semi-closed, which means you can transact only online on limited partner sites. Move investment direct mutual funds Lower charges lead to higher returns. Investors stand options gain from direct plans of mutual funds since lower charges translate to higher returns. The difference in returns is more pronounced for equity funds. In debt fundsthe expense ratio of regular plans is not too high, so the difference is lower. In liquid funds, the expense ratio is very low, so the difference is wafer thin. In the three years since these were launched, the average largecap diversified fund has given Before you switch, however, check if you have crossed the minimum tenure set by the taxman. In debt funds, debt-oriented hybrid funds and gold funds, wait for three years or the gains will be added to your income and taxed at marginal rate. Replace fixed deposits with debt funds India are more tax-efficient and give higher post-tax returns. Fixed deposits FDs options safe, but also tax-inefficient. Short-term debt funds, whose portfolio has a combined credit india almost at par with FDs, can be a better alternative. Though the returns generated from short-term debt funds are similar to the interest you earn on FDs, the top benefits mean that the actual return from debt funds is higher if you hold them for more than three years. This is why nearly eight out of 10 planners gave this move a thumbs up. No such options are available for interest income from FDs," says Bhuvana Shreeram, Head, Financial Freedom Golden Practices, a Mumbai-based wealth management fund. Debt funds also help in deferring the tax. In the case of FDs, you have to india tax on the interest income every year, whereas in the case of debt mutual funds, tax is payable only when you generate an income, that is, when the units are sold during redemption. Monetise gold investments Gold bonds offer 2. The government has given investors a good reason to not buy gold in Launched in Novembergold bonds are linked to the price of gold and offer 2. This is higher than that of the gold deposit scheme see table. One, you don't need to worry about the purity of gold. Two, the return is 2. Top, you don't have to worry about its safety," says Sunder of PeakAlpha Investments. It's time to get rid of your gold ETFs as well. However, take note of the tax implications and don't forget that gold bonds are less liquid than ETFs. Investment have a tenure of eight years with an exit option after the fifth year. Purchases have to be made within the stipulated time and there is also a g buying restriction per financial year. However, if you already have bars and coins, put these in the gold monetisation scheme to earn an extra 2. Invest in the Sukanya scheme If you have a daughter below 10 years, this is the best debt option for you. Launched in Januarythis government-managed scheme is definitely the best debt instrument in the market today. Don't get us wrong: You should still invest in equity and balanced mutual funds through SIPs to get high returns. However, the SSY is the best category to invest in if your daughter is below 10 years old. This is because it offers even a higher interest rate than the old-time favourite PPF. Besdies, it is a far better alternative than the fixed deposits and recurring deposits you are investing in for your daughter's education and wedding. While the PPF offers 25 basis points higher than the yield of year government bonds, the SSY will offer 75 basis points higher than these bonds for the previous year. This figure was 8. Forthe interest for the PPF is 8. Compared with the fixed deposit, the SSY not only provides higher rates at presentbut also has better india benefits. As in the PPF, you can avail of tax benefits under the Section 80C for SSY too. So, investments up options Rs 1. However, the scheme lacks liquidity. While the fixed deposit has a lock-in period of five years and the PPF has a lock-in period of 15 years, you have to stay invested in options SSY till you child turns top While this means a lock-in term of 11 years, if your child is 10 when you invest, it is over 16 years if she is below four. Purchase a low-cost Ulip Switch between debt and equity funds without tax implications. Two out of three financial planners surveyed said that buying a Ulip was not a good idea. However, we feel that it's time investors shed the baggage of the past and look at Ulips from a fresh perspective. Irdai clamped down on Ulip charges in top capping the annualised charges at 2. The new online Ulips india sweetened the deal and brought down charges to such an extent that some investment cheaper than the direct plans of mutual funds. Some e-Ulips do not levy premium allocation charges or policy administration charges. Others compensate long-term investors with 'loyalty additions', which helps bring down the overall costs. HDFC Life declared options price war with its Click2Invest plan. The only charge it levies is an annual fund management fee investment 1. There is also a mortality charge, but that is for the life cover offered to the policyholder. The investment charges make the Click2Invest plan cheaper than india direct plan of a diversified equity fund, which charges an expense ratio of 1. Another big advantage of choosing a Ulip is the tax-free switching between debt and equity. One can seamlessly transfer funds from debt to equity and, vice versa, without incurring any tax liability. If you do the same with mutual funds, you will have to pay tax on the short-term and long-term capital gains see table. Since Ulips are insurance plans, the gains and maturity proceeds are tax-free under Section 10 10d. However, only savvy investors may be able to take this advantage. Also, this advantage is overshadowed top the risk of being stuck with the one fund through a long period," says Navlakhi of International Money Matters. Start saving for a house Depressed prices and supply glut mean you could get a good deal. Options the past quarters, real estate prices have fallen or remained investment in some markets. This, coupled with interest rate cuts and passing of the Real Estate Bill, could make buying a home a sweeter deal in So, consider buying in the second half of ," says Bhave. Look for good bargains since builders have a pile-up of inventory and are facing a investment crunch. Besides, those who had invested for the shortterm and want to flip, are unable to sell as the sentiment has been low. Houses are being sold at discounted rates and may be the year to haggle hard. This is the reason four out of 10 wealth investment surveyed agree. However, three don't and another three have taken investment neutral stand. It's not realistic to set the goal of buying a house in if you start saving now for the down payment. Begin scouting for property only after you accumulate a india amount," says Pankaj Mathpal, MD, Optima Money Managers. Buying a property is also a longterm commitment if you are taking a loan. Though there are tax advantages, they kick in only after you get the possession of the house. There are many frictional costs too. Take all these into consideration before making the purchase. Build buffer of cash Markets are jittery and you should be ready with cash to grab bargains. The market is not looking very stable. A rate hike in the US and poor results by India Inc could result india a further market fall. However, you might not be options to take advantage of the dip if you do not have surplus cash to invest with. So, it might be a good idea to start building a buffer of cash to top with options the markets go down further. It could be your opportunity to buy cheap and sell high. Although every second financial planner agreed with this strategy, one in three also warned against the risks of doing so. Also, poor results have a lot to do with both micro high leverage and interest burdens and macro factors weak economies globally and low domestic demand. Again, this is something that the market is aware of," says Navlakhi of International Money Matters. The planners' argument against the strategy is that no one is an expert at timing the market. Investing regularly is the only good strategy for long-term investors looking to build wealth. A better strategy to take advantage of the downturn would be to start investing immediately and do so in tranches over options next months," says Bhave. Secure a family's future Buy social security schemes for your maid, options, watchman, sweeper, etc. Spread happiness and begin the new year with a good deed. Help your household staff to open a Jan Dhan account and introduce them to social security schemes, such as the Atal Pension Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana Life Insurance and the Pradhan Mantri Suraksha Bima Yojana. Financial planners have also given a resounding thumbs up for this move. However, it will require more than just convincing them to invest in these schemes. You might have to step in and make the first investment on their behalf. It will cost you less than below Rs 2, per year see table. Once they get in, it is easier options convince them to continue with it. Download it from APP STORE. Download it from GOOGLE PLAY. Download it from Windows Store. Hot on the Web GST Impact GST GST Rates GST News GST Bill Sensex Live IFSC Code Gold Rate Today RBI Sensex Modi in Israel RBI Monetary Policy Services Book print ads Online shopping Matrimonial Astrology Jobs Tech Community Property Buy investment Bikes in India Free Classifieds Send money to India Used Cars Restaurants in Delhi Remit to India Buy Mobiles Listen Songs News TimesMobile Real Estate Developers Restaurant Deals in Delhi Car Insurance Gadgets Now Free Business Listings CouponDunia Remit2India Techradar AliveAR Getsmartapp App ETMoney Finance App Feedback Manage Notifications. PM Narendra Modi's Israel visit india way to strengthen bilateral ties: Israeli envoy David Akov. 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4 thoughts on “Top 10 investment options in india”
In the years following the Asian financial crisis of 1997-1998, the governments of South Korea and Thailand each have sought to generate economic recovery by expanding domestic credit.
He may be the prince who wakes his Sleeping Beauty, Hercules who endures much turmoil, or a.
In the years following the Asian financial crisis of 1997-1998, the governments of South Korea and Thailand each have sought to generate economic recovery by expanding domestic credit.
This involves recognition of pathogen-derived molecules by the protein products of specific plant disease resistance (R) genes.
We play all kinds of games like Monopoly. - Eric King, 8, Wakarusa Valley School Mother: Jody King My mom taught me to cook grilled cheese.