High Return Investment Plan

High Return Investment Plan

In India, with the advancement setting in people are feeling the pain of the price hike. Expansion has damaged the budgets of every single household in our nation. Whilst, real income levels of a normal Indian person have increased over a decade, they have much more to do away with. But if you compare and contrast income and inflation, you can mark the difference.

So, it becomes very significant to save and invest money and at the same time also yield a high return on your investments. There are multiple investment options available but deciding to park your money is a dilemma. One can invest in different asset avenues but one should choose that investment plan that meets an individual’s financial security.

To receive maximum returns from your investment, you should widen your horizons as per your risk-taking capabilities. The investment option can be decided by analyzing various expenses coupled with them.

The investment avenues include mutual funds, unit-linked insurance plans, savings accounts, fixed deposits, and others.

Currently, the problem arises of how to pick high return investment plans.

Deciding an investment avenue is never simple and the following are the factors that can help you in selecting a high return investment plan:

Charges or overheads allied with investments:

One should analyze expenditure related to spending on any prospect of investment. There are diverse costs attached to an investment like mutual funds and units linked insurance plans hold a lock-in period and also exit loads.

In addition to this, there are supervision charges applicable if you have taken a ULIP. So, one should distinguish between these charges and can fix on plan giving them higher gains.

Interest Rate:

Bank deposits and fixed deposits are more safe avenues with an interest rate. Savings bank deposits hold a fixed rate of interest on the other hand it differs from  fixed deposits due to the duration of the investment.

The more you continue to invest in a fixed deposit, the higher is the interest rate. Furthermore, senior citizens are provided with a privilege of extra incentive as preset deposits hold high-interest rates and lower tax deductions.

Opt for investing in high return plans:

Equity funds or ULIPs are considered to be high return funds. They are uncertain as compared to the savings account deposits or fixed deposits.

They are riskier for fact that the magnitude of these investment options is parked in stock markets which are unpredictable and volatile. So, the people predicting the high possibility of loss can invest in equity mutual funds.

Hence, with the aid of the above factors and some research and evaluation, one can select their high return investment option.

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