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.

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
.

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.

10. Mr. Warren Buffet who is the world’s most successful investor 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.

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.

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.

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.

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.

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.

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.

28. Thank You…..