Types Of Low-Risk Investment Options
When it comes to investment plans, the risk is the chance or likelihood that the asset will either perform worse than expected or lose all of its value. So, different investment plans can be roughly divided into three groups based on the amount of risk they involve, as shown below: Before we get into understanding low-risk investment options, we need to understand how the right tech can enhance your trading journey. With Zebu’s online trading platform you can perform your investments seamlessly. As one of India's biggest share market broker, we offer the best trading accounts with great advantages for our customers. Investing with low risk Low-risk investment plans are, as the name suggests, those in which the risk is close to zero. In other words, investments with low risk tend to grow in value steadily and reliably, but they also tend to lose less money. Here is a list of the best ways to invest money that can be thought about. 1. Sukanya Samriddhi Yojana The Sukanya Samriddhi Account is becoming more well-known as one of the best ways for Indian girls to save money. If you have a girl child, this programme is meant to make it easier for the girl child to become wealthy. You can get a Sukanya Samriddhi Yojana account at both commercial banks and post offices. Under Section 80C of the Income Tax Act of 1961, you can also save a lot of money on your taxes. 2. Public Provident Fund (PPF) Public Provident Fund (PPF) is one of the best ways to invest in India because it offers so many benefits. If you get paid a salary, PPF can help you in many ways. The interest you earn on your PPF is not taxed, but you can get a tax break under Section 80C of the Income Tax Act of 1961. 3. Post Office Income Plans for Every Month Most people think that the Post Office Monthly Income Scheme is one of the best ways to invest. It's best for people who don't like taking risks and want low-risk plans with good returns. Here, you need to know that the income from monthly income plans from the post office is fully taxed, but the monthly income plans do not have Tax Deduction at Source (TDS). 4. Government Schemes For Senior Citizens (SCSS) The senior Citizen Savings Scheme (SCSS), which is run by the Indian government, is thought to be one of the best ways to invest in India for a number of reasons. First, the plan gives senior citizens a lot of financial security. The second thing is that the government decides every three months what the interest rate will be for this plan. You can open an SCSS account at any bank or post office that is owned by the government. 5. Tax Saving Fixed Deposits Tax Saving FD's are thought by many to be one of the best ways to invest in India because they can help you save a lot of money on taxes under Section 80 C and reduce your overall tax liability. 6. Sovereign Gold Bonds Sovereign Gold Bonds (SGBs) are issued by the Reserve Bank of India and backed by the Indian government. SGBs are securities that are worth their value in units of gold and can be used instead of holding physical gold (grams). At the end of the term, you can get your money back. This makes SGBs one of the best ways to invest in India. To easily invest in SGBs with Zebu, please get in touch with us. 7. Life Insurance There are two types of life insurance that are low risk: savings and income plans and protection plans. There is no clear investment part to these life insurance plans, so they do not offer returns that are tied to the market. Instead, these life insurance plans give your family a strong financial safety net and good protection against life's unknowns. 8. Bonds Bonds are proof that you gave the issuer money at a certain interest rate. You could get interest payments on each bond on a regular basis, and in the end, you would get the face value back. You can also sell the bond before it runs out if you need the money. Bonds are thought to be one of the best ways to invest in India because they are fairly safe. Now that you understand more about low-risk investment opportunities, you need to understand how the right tools can help your Investment journey. With Zebu’s online trading platform you can perform your investments seamlessly. As one of India's biggest share market broker, we offer the best trading accounts with great advantages for our customers.