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Investment Options
For Salaried Person
Finaacle.com
What is Investment?
 Investment is something that is done in the
expectation of future returns.
Finaacle.com
Why should I Invest?
Family
Early
Retirement
Car/Bike/
Vacation
Dream
Home
Social
Status
Starting
Business
Wealth
Creation
Finaacle.com
How much I Should Invest?
Before
An
INVESTMENT
Emergency
Fund
Term Plan
Health
Insurance
Track of
Monthly
Expense
Investment = Salary – Expenditure
Finaacle.com
Investment Options
Finaacle.com
EPF (Employees Provident Fund)
Parameter
ROI 8.65%
Tax Saving Yes
Lock In Period NA
Offered By Government of India
ROI decided by
EPFO India
(www.epfindia.com)
Tax on Return
10% if withdrawn before 5
years
Finaacle.com
ELSS (Equity Linked Saving Scheme)
Parameter
ROI 12-16%
Tax Saving Yes
Lock In Period 3 Years
Offered By Banks/Financial Institutes
ROI decided by Equity Allocations
Tax on Return No
Finaacle.com
NPS (National Pension Scheme)
Parameter
ROI 8-14%
Tax Saving Yes
Lock In Period Till 60 years of age
Offered By
PFRDS (Government of
India)
ROI decided by Fund Managers
Tax on Return Yes
Finaacle.com
PPF (Public Provident Fund)
Parameter
ROI 7.9%
Tax Saving Yes
Lock In Period 15 Years
Offered By Banks
ROI decided by Government of India
Tax on return NO
Features:
• After 5 years you can withdraw 60% amount of PPF amount
• Loan Facility Available
Finaacle.com
Life Insurance
Parameter
ROI 4-5%
Tax Saving Yes
Lock In Period 3-35 Years
Offered By Insurance Companies
ROI decided by
Predefined by Policy
Sum Assured
Tax on Return Depends on policy
Finaacle.com
Equity
Parameter
ROI 1-100%
Tax Saving No
Lock In Period NA
Offered By NSE/BSE
ROI decided by Performance
Tax on Return No, after one year
Finaacle.com
Gold
Parameter
ROI 10-25%
Tax Saving No
Lock In Period NA
Offered By Banks/Jewelers
ROI decided by Gold Demand
Tax on Return Yes
Finaacle.com
Fixed Deposit (Banks)
Parameter
ROI 8-10%
Tax Saving No
Lock In Period 1-20 years
Offered By Banks
ROI decided by Predefined by banks
Tax on return
Yes according to your
income slab
Finaacle.com
Mutual Funds
Parameter
ROI 1-35%
Tax Saving No
Lock In Period NA
Offered By
All Financial and non
financial institution
ROI decided by
Fund manager
performance
Tax on return No, after one year
Finaacle.com
Thank You!
Finaacle.com

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Investment options

  • 1. Investment Options For Salaried Person Finaacle.com
  • 2. What is Investment?  Investment is something that is done in the expectation of future returns. Finaacle.com
  • 3. Why should I Invest? Family Early Retirement Car/Bike/ Vacation Dream Home Social Status Starting Business Wealth Creation Finaacle.com
  • 4. How much I Should Invest? Before An INVESTMENT Emergency Fund Term Plan Health Insurance Track of Monthly Expense Investment = Salary – Expenditure Finaacle.com
  • 6. EPF (Employees Provident Fund) Parameter ROI 8.65% Tax Saving Yes Lock In Period NA Offered By Government of India ROI decided by EPFO India (www.epfindia.com) Tax on Return 10% if withdrawn before 5 years Finaacle.com
  • 7. ELSS (Equity Linked Saving Scheme) Parameter ROI 12-16% Tax Saving Yes Lock In Period 3 Years Offered By Banks/Financial Institutes ROI decided by Equity Allocations Tax on Return No Finaacle.com
  • 8. NPS (National Pension Scheme) Parameter ROI 8-14% Tax Saving Yes Lock In Period Till 60 years of age Offered By PFRDS (Government of India) ROI decided by Fund Managers Tax on Return Yes Finaacle.com
  • 9. PPF (Public Provident Fund) Parameter ROI 7.9% Tax Saving Yes Lock In Period 15 Years Offered By Banks ROI decided by Government of India Tax on return NO Features: • After 5 years you can withdraw 60% amount of PPF amount • Loan Facility Available Finaacle.com
  • 10. Life Insurance Parameter ROI 4-5% Tax Saving Yes Lock In Period 3-35 Years Offered By Insurance Companies ROI decided by Predefined by Policy Sum Assured Tax on Return Depends on policy Finaacle.com
  • 11. Equity Parameter ROI 1-100% Tax Saving No Lock In Period NA Offered By NSE/BSE ROI decided by Performance Tax on Return No, after one year Finaacle.com
  • 12. Gold Parameter ROI 10-25% Tax Saving No Lock In Period NA Offered By Banks/Jewelers ROI decided by Gold Demand Tax on Return Yes Finaacle.com
  • 13. Fixed Deposit (Banks) Parameter ROI 8-10% Tax Saving No Lock In Period 1-20 years Offered By Banks ROI decided by Predefined by banks Tax on return Yes according to your income slab Finaacle.com
  • 14. Mutual Funds Parameter ROI 1-35% Tax Saving No Lock In Period NA Offered By All Financial and non financial institution ROI decided by Fund manager performance Tax on return No, after one year Finaacle.com