Plan your investment strategy| High returns | Low risk (2024)

Planning is an integralpart of every decision that we make in life, and so is true in the case of financial decisions. When it comes to investments, high returns and lesser risk are the ideal cases for every human being. To achieve this, you need to plan your finances best.

You need to know about the following before investing.

1. Prevailing interest rates across the market
2. The credibility of the financial institution and its stability
3. Penalties and charges
4. Additional features, and
5. Your financial capabilities

Knowing these helps you evaluate and make the best out of the investment options available.

Here are the 3 best low risks, high returns investment schemes to strategize your investments:

1. Fixed deposit (FD)

Fixed deposits are the ideal investment option for many individuals because of their security and higher returns. An FD is not dependent on market fluctuations. Hence, it becomes the most reliable option when it comes to low risk and offers profitable returns. While both banks and NBFC offer fixed deposits, the bank FD offers significantly less interest, and NBFC provides a much higher FD interest rate.

While the company FD does not offer tax saving FD, you can save on taxes if the income is less than:

1. Rs. 40,000 per year for regular citizens and
2. Rs. 50,000 for senior citizens.

They offer more flexibility regarding tenure. Institutions like Bajaj Finance also provide an FD with an option to earn two types of payouts, cumulative and non-cumulative. In cumulative FD, you invest a lump sum amount of money over a period, and you get the payout (principal+interest) post maturity (tenure end).While in case of a non-cumulative FD, you can earn interest payouts on a monthly, quarterly, half-yearly, or yearly basis.

Plan your investment strategy| High returns | Low risk (2024)

FAQs

Plan your investment strategy| High returns | Low risk? ›

Money market accounts, certificates of deposit, cash management accounts and high-yield savings accounts all carry FDIC insurance. Treasury bills, notes and bonds are backed by the U.S. government, making them another low-risk investment option.

Which investment has high return and low-risk? ›

Money market accounts, certificates of deposit, cash management accounts and high-yield savings accounts all carry FDIC insurance. Treasury bills, notes and bonds are backed by the U.S. government, making them another low-risk investment option.

How can you maximize your investment return with less risk? ›

When it comes to minimising risk, diversification is key. By investing in a variety of assets, you can spread your risk out and protect yourself from potential losses. There are a few different ways to diversify. One way is to invest in different asset classes, such as stocks, bonds, and cash.

What is the safest investment with high returns? ›

What are the safest types of investments? U.S. Treasury securities, money market mutual funds and high-yield savings accounts are considered by most experts to be the safest types of investments available.

Which investing strategy involves less risk? ›

Portfolio diversification is the process of selecting a variety of investments within each asset class, which can help those looking to reduce their investment risk.

Which investment option has the lowest risk? ›

Here are the best low-risk investments in June 2024:
  • High-yield savings accounts.
  • Money market funds.
  • Short-term certificates of deposit.
  • Series I savings bonds.
  • Treasury bills, notes, bonds and TIPS.
  • Corporate bonds.
  • Dividend-paying stocks.
  • Preferred stocks.

How to earn 10% interest per month? ›

  1. High-End Art (on Masterworks) Here's a fun fact: Art has outperformed the S&P 500 for decades. ...
  2. Invest in the Private Credit Market. Looking for superior returns? ...
  3. Gold IRAs. ...
  4. Paying Down High-Interest Loans. ...
  5. Stock Market Investing via Index Funds. ...
  6. Stock Picking. ...
  7. Junk Bonds. ...
  8. Buy an Existing Business.
4 days ago

Which portfolio strategy is best? ›

8 Portfolio Strategy Tips To Grow & Protect Your Investment
  • Invest in Alternative Assets Like Fine Wine.
  • Invest in Dividends.
  • Invest in Non-Correlating Assets.
  • Invest in Principal-Protected Notes.
  • Diversify Your Portfolio.
  • Buy Put Options.
  • Use Stop-Loss Orders.
  • Find a Financial Advisor.

What investment brings the highest return? ›

Key Takeaways
  • The U.S. stock market is considered to offer the highest investment returns over time.
  • Higher returns, however, come with higher risk.
  • Stock prices typically are more volatile than bond prices.
  • Stock prices over shorter time periods are more volatile than stock prices over longer time periods.

What is the best investment right now? ›

11 best investments right now
  • High-yield savings accounts.
  • Certificates of deposit (CDs)
  • Bonds.
  • Money market funds.
  • Mutual funds.
  • Index Funds.
  • Exchange-traded funds.
  • Stocks.
May 22, 2024

Where to put 25k right now? ›

How to Invest $25,000
  • Open a High-Yield Savings Account. If you want to take the risk out of the equation and need to be able to readily access your money, a high-yield savings account is a great option. ...
  • Sign Up for a Taxable Brokerage Account. ...
  • Alternative Investments. ...
  • Invest in Real Estate.
Mar 1, 2024

How to grow money without risk? ›

Here Are A Few Low-Risk Investment Options
  1. Money Market Funds. Money Market Funds are short-term debt funds. ...
  2. Municipal Bond. A Municipal Bond or Muni-Bond is a debt instrument issued by municipal corporations or associated bodies in India. ...
  3. Certificate of Deposit. ...
  4. Treasury Bills.
Feb 16, 2024

What is the safest investment of all time? ›

Safe assets such as U.S. Treasury securities, high-yield savings accounts, money market funds, and certain types of bonds and annuities offer a lower risk investment option for those prioritizing capital preservation and steady, albeit generally lower, returns.

Which entry strategy has the lowest risk? ›

Indirect Exporting Through Piggybacking

Your company “piggybacks” on their network to your product to an international market. Piggybacking is often a low-risk type of market entry strategy.

What investment strategy is the best? ›

Taking a buy-and-hold approach to investing is both the simplest and most dependable way to achieve substantial portfolio returns.

How to decide investment strategy? ›

Top investment strategies to become a better investor.
  1. Practice goal-based investing. ...
  2. Start an SIP online. ...
  3. Diversify your portfolio. ...
  4. Invest only in what you understand. ...
  5. Rebalance your portfolio when needed. ...
  6. Build a retirement fund. ...
  7. Automate your investments.

What type of investment has the highest return? ›

The U.S. stock market is considered to offer the highest investment returns over time. Higher returns, however, come with higher risk. Stock prices typically are more volatile than bond prices.

Which investment is best for high returns? ›

Best Investment Options in India 2024 to Get High Returns | Best Investment Plans 2024
  • Stock Market or Equity Market: ...
  • Mutual Funds: ...
  • Real Estate: ...
  • Fixed Deposit (FDs): ...
  • Public Provident Fund (PPF): ...
  • National Pension System (NPS): ...
  • Systematic Investment Plans (SIPs): ...
  • Gold:
May 14, 2024

What are low risk high return stocks? ›

Low Risk High Return Stocks
  • Jyoti Resins. 1382.45. 24.72. 1658.94. 0.43. 18.77. 14.38. 71.24. 9.47. 65.87. 25.63. 27.91.
  • Abbott India. 26169.05. 46.29. 55609.23. 0.69. 287.06. 24.04. 1438.63. 7.11. 46.03. 21.63. 24.64.
  • Steelcast. 650.45. 17.36. 1316.51. 1.04. 17.42. -9.65. 90.31. -24.57. 42.15. 14.16. 24.08.

Which funds give higher returns but also involve high risk? ›

These funds are also known as equity funds or growth funds. They are designed for investors who are willing to take on more risk in exchange for the potential of higher returns. High-risk mutual funds invest in companies that have the potential for high growth but also carry a higher risk of failure.

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