Investment strategies in 2025


Gold prices have witnessed all-time highs and FD rates are at an all-time low - where to invest now for sure-shot high returns? Here are a few places where you can safely keep your money:



1. PPF - Public Provident Fund: This is a tax-free investment, and you may invest up to ₹1.5 lakh per year. However, this is a long-term investment with a lock-in period of 15 years.


2. VPF - Voluntary Provident Fund: You may avail of this fund from your company by requesting the HR to share the VPF form with you. Again, this is a long-term investment, and the money goes into your PF account. (Have you read your salary slip? Then you would know what your current PF contribution is!) By availing VPF, you will be increasing your PF contribution. You may invest up to 10% of your basic salary in VPF.


3. KVP - Kisan Vikas Patra: This is a sure-shot formula to double your money in 9 years and 7 months, as this Indian Post Office savings scheme compounds your wealth. In the world of SIPs and shares, 9 years may seem like a long wait to double your money - I agree. However, the best part is that it's a risk-free investment.


4. Buying Shares: Instead of buying SIPs or mutual funds, if you buy shares of big brand houses or well-established companies across industries (you may pick top companies from each industry, like FMCG, IT, Banking & Finance, Healthcare, etc., and buy shares to diversify your portfolio) and keep the shares with you for at least 5-8 years, you will end up increasing your investment manifold. One golden rule to avoid risk in buying shares is that you need to keep the shares with you and not sell them off for at least 5 years.


5. Gold Investment: Apart from buying shares, you may invest in Gold or Silver ETFs (popularly known as GoldBees or SilverBees), which are tradable on your trading platform. With gold prices soaring high, buying Sovereign Gold Bonds (available through internet banking) or buying digital gold (available on established gold brand houses like Tanishq's app) are better choices in terms of returns.


6. Other Modes of Investment: Other ways of investing would be buying business spaces (shops, storehouses, or community halls) and renting them out to get fixed returns at regular intervals.

However, it's essential to evaluate each option based on individual financial goals, risk tolerance, and investment horizon to ensure the best returns.

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