Everyone is looks for high return investment options in India. Probably, there are several investment plans to choose high return investment option. And it is based on tenure, risk appetite, liquidity and taxation. See which top high return investment plan are. Hence, check Best Mid-cap mutual funds to invest in India.
How to choose best high return investment options in India
Before you invest in stocks or mutual fund looks at several parameters. Hence, top midcap and small cap mutual funds in this segment. See advantages and disadvantages of Mutual fund
Depend on Tenure: Investment option can vary from person to person. But who want to invest for 1 year or 10 years.
Depends in risk appetite: If person who wants high risk can invest in stocks. But low risk investor cannot invest in stocks. Hence, check your risk appetite before invest. Because, high return investment option in stocks may not always fit for everyone.
Liquidity: If you are investing money in short term liquidity shall be high priority. Hence, investment in NCD may not be best high return investment option. If you are looking for quick liquidity.
Taxation: Investment in Bank FD or in tax saving FD schemes will depend for taxation.
Best High Return Investment Options
Mid-cap and Small cap Mutual fund
However, best high return investment in Midcap and Small cap mutual funds. Therefore Midcap and small cap mutual funds invests in midsized or small sized companies. But, it has potential to grow money in short to medium term. In this segment some mutual funds are Franklin India smaller companies fund.
In addition, like DSP BR Micro fund, HDFC Midcap opps fund, Mirae Emerging blue chip fund etc. You can refer more top midcap and small cap mutual funds in this segment. If you want to invest medium to long term of 5 to 10 years can go for it. And this is one of best investment option to get high returns.
Company Fixed Deposit Schemes
There is several FD schemes company. And where you can get yield of high as 12% per annum. You can look for high return company FD schemes to invest in them. However, you can see below some of top company FD schemes.
- Bajaj Finance FD scheme offer interest rates of 8.7 to 8.9% per annum. And annual yield is 10.63%.
- DHFL Aashray Deposit plus FD scheme offer 8.5 to 8.75% per annum interest rates. But 10.4% is annual yield.
- LIC HFL FD scheme offers interest of 8.25 to 8.5% per annum. Therefore annual yield to be 10%.
However, FD schemes carry high risk. You are ready to take high risk. And you need to invest money for short to medium term of 1 to 5 years. So you can invest in this high return company FD scheme. Check High return company FD schemes.
Investment in Stocks
Similarly, direct investment stocks give high returns. And you can invest in stocks that fit with warren buffet principles. But it expects to give superior returns in India. Therefore you can look stock investment as high return investment option.
Non Convertible Debentures (NCD)
Non Convertible Debentures are issued by companies for long to medium term funding requirement. Probably, there are secure and unsecure NCD’s. And these secure NCD’s are backed up with assets like receivables etc. Hence, carry low risk.
Therefore DHFL secure NCD’s got over subscribed twice in Aug and Sep 16. Due to this investor show interest in NCD’s. So if you have missed to subscribe then you can buy them from secondary market. However, they might be available at some premium. Hence, you can subscribe to get them high return from these NCD’s.
Peer 2 Peer lending
Similarly, this is new emerging investment option. And these are arranged by some of P2P lending companies. But depend on risk profile interest rate is in between 8 to 24 %. Moreover, it is nice way to get high return on your investment option. However, this is one of high risk investment option. Hence, it depends on borrower who needs to repay your money back along with interest.
ELSS funds for tax saving option
You are looking for tax saving along with growing your money. Probably, then best way to get higher return is to invest in top ELSS funds. Therefore PPF and other tax saving options give returns up to 8 % returns. You can fetch good ELSS mutual funds up to 12 % returns. And you can look for Axis Long Term Equity fund, DSP BR Tax Saver fund, Franklin India Tax Shield fund etc.,
However, you can take some risk but expect to get high returns up to 12 % along with tax saving u/c 80C. For better understand see Top ELSS funds. See top 10 ELSS funds.
Invest in Debt Fund rather than bank FD
Instead of investing in FD bank you can look for debt funds in fixed income. For short term of 1 year or 1 month you can fetch liquid funds. Because, it gives higher returns of 5 to 10 % per annum. Hence, this is smart way to invest your funds. However, some of best liquid funds are HDFC liquid fund, ICICI Pru liquid fund, Kotak Liquid plan fund etc. Check how to calculate SIP in mutual fund.
Invest in ULIP low cost
ULIPs have more than 35 % premium allocation. And other charges for first year will be 8 %. You can see that some of ULIP’s are offer with zero premium allocation charges. But these new ULIP’s invest in debt and equity. Therefore it provides higher return up to 12% per annum.
Tax Free Bonds for higher tax returns
However, if you are high tax bracket this will give you below 6% of low returns. Moreover, if you are in 20 or 30 per cent tax bracket. If you invest in tax free bonds you will get tax free returns. Therefore tax free bonds offer 9 percent returns in last year. And you can invest in tax free bonds either by direct issue or from secondary market. So these can help you to get high tax free returns in India.
Post office MIS scheme
Post office MIS offers fixed returns per month for 5 years. Currently PO MIS offers 7.8% returns per annum. But to get monthly fixed income is good investment option. If you are in low risk take and low tax bracket. Then you want to invest lump sum and get fixed returns per month. Hence, you can look for this option.
Finally, see good diversified mutual funds to invest. However, check best monthly Income Plan (MIP) Mutual fund. Therefore you can refer which mutual fund is best for tax saving purpose. Hence, you can see best performing SIP mutual funds to invest in India