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Investments

Manpreet Kaur (Student Others) (396 Points)

25 November 2015

hello....Kindly guide me where to invest safely so as to get a higher return....the person is a private salaried employee....He gives coaching in a private institute and gets salary....

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19 Replies

Piyush Tanwar (Assistant Manager - Accounts) (1432 Points)
Replied 25 November 2015

go for PLI scheme by post office or high return

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Manpreet Kaur (Student Others) (396 Points)
Replied 25 November 2015

What is pli scheme sir???

CA Goutam Sharma (Chartered Accountant in Practice) (468 Points)
Replied 25 November 2015

Postal linked Insurance. pehaps.

However, for greater returns, Consider Debenture of Blue chip organisation, Debt Mutual Fund, Equity Mutual Fund, Gold, Blue chip Shares , Fixed deposit . land, and spread your investment over all the options as per your need.

Dont put your all eggs in same basket.

Manpreet Kaur (Student Others) (396 Points)
Replied 25 November 2015

How to proceed further in order to invest in this scheme g????

Manpreet Kaur (Student Others) (396 Points)
Replied 25 November 2015

What is the procedure to invest in these different schemes g??...... n what about investing huge amount in ppf....??..is that will be beneficial or not g??????

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Jay Kocheta (Con) (70 Points)
Replied 25 November 2015

Before investing anywhere consider his risk bearing capacity and park funds smartly in FD'S, SIP'S, LIQUID BEES, LIC, STOCKS ETC. In my opinion please suggest him to invest atleast 25-50% fund in equity market and stay invested for atleast 3 years to get maximum returns.

prasun (accountant) (109 Points)
Replied 25 November 2015

Before investing consider his risk appetite ,age ,goals & time frame. It is better to invest in equity mutual fund if his investment horizon is more than 5years.it is the best investment product than others. Also invest in PPF currently giving 8.7%tax free interest . Don't invest in insurance schemes giving 6-7%.insurance is not an investment. Only take online term insurance plans.

CMA Sushant Telkikar (-) (259 Points)
Replied 25 November 2015

There are 2 schemes Postal life insurance available. 1st is only for government employees or employees of PSU. hence private company employee not able to get first. 2nd is for all but the insured must stay in village. For higher return, go for mutual funds but there is high risk. There are following options 1. ppf 2. Equity linked mutual fund 3. ulips

CMA Sushant Telkikar (-) (259 Points)
Replied 25 November 2015

Manpreet Kaur (Student Others) (396 Points)
Replied 26 November 2015

Thankew alll alotttttt alottttttttt. ..:-))))))))

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Manpreet Kaur (Student Others) (396 Points)
Replied 26 November 2015

What's d tax benefits for equity linked mutual funds g????

Pranshu Bansal (CA Industrial Trainee) (74 Points)
Replied 26 November 2015

Long term capital gain is exempt on Equity linked MFs i.e., if you sell it after 1 year then NO TAX! Dividend is also exempt!

Manpreet Kaur (Student Others) (396 Points)
Replied 28 November 2015

Kkk..thankew g....tell me 1 thing more g....if 100000 is to be invested then how much amount should be contributed to ppf n what amount should be invested in mutual funds???

prasun (accountant) (109 Points)
Replied 28 November 2015

First you decide the time horizon, bcoz both are long term products. PPF will mature after 15years and if you have a time frame of more than 5years then you consider equity or balanced mutual funds.And also monitor the performances of MFs quartly. So start an SIP of 30-40% in MF.