4. Investment Avenues in India . Different investment

Investment Avenues

1. Sri Ramakrishna College of Arts & Science Coimbatore – 06. Topic: Investment Avenues in India M.VADIVEL Assistant Professor Department of B.Com PA Sri Ramakrishna College of Arts & Science Coimbatore . M.Vadivel

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4. India has a number of investment avenues depending on the size of investment and financial objectives. These avenues of investments should be wisely selected by an investor as we all know that saving and investing are the sole pillars of financial stability . M.Vadivel

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6. Meaning: Investment avenues Investment avenues means investor will invest the income in various types of securities. Investment avenues are the different ways that a person can invest his money. It also called investment alternatives or investment schemes. M.Vadivel

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10. Mr. Warren Buffet who is the world’s most successful investo r says never depend on a single income, invest to create the second source. Creating multiple sources of investment avenues is very essential to achieve your financial goals. So, broadly, saving is done to meet your emergency expenses or unplanned expenses while investment is all about making your money earn for you and give you the rewards through future returns. M.Vadivel

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12. Savings Bank Account You must be surprised to find the savings bank account in this list. Well, strengthening your saving bank account is the first investment you can do. Bank accounts earn an interest of 3.5% or more which differs from bank to bank. M.Vadivel

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16. Bank Fixed Deposits Bank FD’s have attracted the maximum investment, primarily because it is a safe source of investment where the rate of returns is fixed. Fixed Deposit has been considered as best investment options in India as it allows premature withdrawal with an interest deduction making them a liquid investment. M.Vadivel

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18. Post Office Savings Scheme Post Office savings scheme offers a safer investment option, offering monthly income plans which are apt for the retired person meeting their medical and other requirements. However, it is a traditional way of investment which should be now considered as saving avenue rather than an investment option. M.Vadivel

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21. Public Provident Fund Public Provident Fund (PPF) scheme is a long term investment option that offers an attractive rate of interest and returns on the amount invested. This is one of the most favorite avenues of most of the Indians. The interest earned and the returns are not taxable under Income Tax. One has to open a PPF account under this scheme and the amount deposited during a year will be claimed under section 80C deductions. PPF has a lock-in of 15 years which enables you to earn compound interest on your investments. If you want to extend your investment time frame, you can extend it for the next five years. The minimum period of investments is 6 years after which you can withdraw your investments. In case of financial emergencies, you can take a loan on the balance of your PPF account. M.Vadivel

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24. Gold Investment Investment in Gold is one of the most sought out investment options exercised since older times. The value of gold bears an inverse relation with the value of equity. You can plan your investment in gold through a Gold deposit scheme, Gold ETF (exchange-traded fund), Gold mutual funds, Gold bar, etc. M.Vadivel

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27. Real Estate Every investor has some part of their portfolio invested in real assets. The location of the property is the single most important factor that will determine the value of your property and also the rental that it can earn. M.Vadivel

28. Thank You….. M.Vadivel