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How can I invest my money in surplus?

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How can I invest my money in surplus?

Where To Invest Surplus Money?

  1. Mutual Funds. Mutual funds are a potential option to invest the surplus money that you have at your disposal.
  2. Alternative Assets. Alternative assets are non-traditional investment options like P2P lending and asset leasing.
  3. Stocks & ETFs.
  4. Digital Gold.
  5. Cryptocurrency.

Which is more profitable FD or mutual fund?

But, in the long-term, Mutual Funds have the capacity to provide FD beating returns. Further, Mutual Funds are highly liquid and more tax efficient as compared to the benefits of FD. So, as per all the criteria discussed earlier, Mutual Funds makes a better investment option than FD.

Is it better to invest in FD or mutual funds?

When FD vs mutual fund is compared, FDs are thought to be the safest investment because of assured interest and principal on maturity. Though FDs are thought to be risk-free investments, investors should know that the liquidity and safety of FD depends on the financial solvency of the bank/ financial institutions.

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Where should I invest my lakhs in India?

Now, let us take a quick understanding of each of the best investment options with high returns in India 2021 one by one:

  • Unit Linked Insurance Plan (ULIP)
  • Public Provident Fund (PPF)
  • Mutual Fund.
  • Bank Fixed Deposits.
  • National Pension Scheme (NPS)
  • Senior Citizen Savings Scheme.
  • Direct Equity.
  • Real Estate Investment.

What is investment surplus?

A surplus describes the amount of an asset or resource that exceeds the portion that’s actively utilized. A surplus can refer to a host of different items, including income, profits, capital, and goods. In budgetary contexts, a surplus occurs when income earned exceeds expenses paid.

Can I invest cash in mutual funds?

Can I invest in Cash? Yes, cash investments up to INR 50,000 per investor, per mutual fund, per financial year can be made in mutual funds. However, any repayment (redemption/dividend) is made only through bank channel.

Can we get monthly income from mutual funds?

Monthly Income Plans (MIP) By investing in MIP mutual funds, also known as the regular savings funds, you can create a regular stream of income for yourself. These mutual funds are actually debt or hybrid funds with an option of monthly dividend payout.

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What is SBI FMP?

Fixed Maturity Plan (FMP) is a fixed tenure mutual fund scheme that invests its corpus in debt instruments maturing in line with the tenure of the scheme. The tenure of an FMP can vary between a few months to a few years.

Is 12 a good return on investment?

A good return on investment is generally considered to be about 7\% per year. This is the barometer that investors often use based off the historical average return of the S&P 500 after adjusting for inflation. It’s important for investors to have realistic expectations about what type of return they’ll see.

How to invest 1 lakh in mutual funds for good returns?

So, here is 10 Best ways to Invest 1 Lakh for good returns. The first best way to invest 1 Lakh for the good returns is Midcap or Multi-cap Mutual Funds. Investment in these type of mutual funds is a risky affair and may not be suitable for everyone. If your risk appetite permits you, you can plan to invest in these funds via SIP route.

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How to invest 1 lakh rupee in ELSS mutual fund?

ELSS can give returns in the range of 10-12\%. Balance Fund is next investment option where you can plan to invest 1 Lakh rupee. Balance mutual fund is the best investment option for the investor who is looking for safety and moderate returns. Balance fund follows the principal of balancing they divide the funds and invest in equity and debt both.

What are the best investment options for 1 lac rupee?

As per me if you surplus money you can think of this investment option. This option can give an absolute return of 8.2\%-8.3\% every year for 15 years. The last option to invest your 1 lac rupee is Gold. Gold is considered as a safe haven against all national, political and cultural crises.

What is the difference between FMP and debt mutual funds?

FMP is kind of fixed deposit in terms of tenure but varies in terms of assured returns. FMP are closed ended schemes. On the other hand, debt mutual funds are funds which mainly invest in fixed income instrument and government securities. You can expect 9-10\% returns from FMP or debt fund.