Investment options for nominal amout, with long term period

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Devout_Atheist

So i have a very nominal savings made which i otherwise would have put in a bank FD but i was thinking of trying different investment options.

I’m overwhelmed literally researching on stocks, bonds and MF. I don’t want to lose on a single penny so not interested to take a risk with share market, but an investment shall be with enough of returns which would beat the inflation otherwise is as good as just savings. And please refrain from no risk no gain argument it doesn’t weight in with such a one sided ‘advises’ and is a party killer.

I’ve once brought a MF units which didn’t really turned out to be a good investment option. And to consult a CA or some other professionals for some nominal figure don’t seem feasible. I was about to go with gold but digital gold seemed more convenient, is it good idea as well as the silver seems to be booming especially in futures & options.

I’d be looking to around 3 – 5 years of invested in period. So fellow dimers please suggest me what are my options ?

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Deal Lieutenant Deal Lieutenant
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I’m overwhelmed literally researching on stocks, bonds and MF. I
don’t want to lose an single penny so not interested to take a risk with
share market investment, but an investment shall be with enough returns
which would beat the inflation otherwise is as good as just savings.

no risk no gains. bandhan jaise bank me account khulva ke vaha rakh lo paisa.

I’ve once brought a MF units which didn’t really turned out to be a
good investment option. And to consult a CA or some other professionals
for some nominal figure don’t seem feasible. I was about to go with gold
but digital gold seemed more convenient, is it good idea as well as the
silver seems to be booming especially in futures & options.

which fund was it?why did u buy it in first place?

no need to consult any professional if amount is small. members here are very kind to guide you without fees.

how is digital gold a good idea than say sgb, physical? want to know how much you have researched about it.

either silver will boom in the next decade or it will remain like 2011-2021. again no risk no gain

Deal Newbie Deal Newbie
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it was ABSL MF unit, of course the reason to invest in was simple enough that to save and grow the savings.

I belive there’s good portion of fees on making charges even when you buy gold coin and i don’t really have enough of funds to afford marginal portion of gold so only option i’m left with gold is Digital

Not to sound rude but with such a critical approach of your comments surely its gonna be a discussion killer ! And others gonna follow your lead  🙄



Deal Newbie Deal Newbie
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and who says there wont be a Risk with bank such as Bandhan 😄

Deal Subedar Deal Subedar
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First read book rich dad and poor dad …
If u don’t want take risk nifty bees is best

Deal Lieutenant Deal Lieutenant
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Devout_Atheist wrote:

it was ABSL MF unit, of course the reason to invest in was simple enough that to save and grow the savings.

I belive there’s good portion of fees on making charges even when you buy gold coin and i don’t really have enough of funds to afford marginal portion of gold so only option i’m left with gold is Digital

Not to sound rude but with such a critical approach of your comments surely its gonna be a discussion killer ! And others gonna follow your lead  🙄



i was not being critical at all paji.sorry if u think i was. i am also newbie like u.wait for seniors to reply

I belive there’s good portion of fees on making charges even when you
buy gold coin and i don’t really have enough of funds to afford
marginal portion of gold so only option i’m left with gold is Digital


you can get 999.9 gold below spot too

Deal Lieutenant Deal Lieutenant
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Devout_Atheist wrote:

and who says there wont be a Risk with bank such as Bandhan 😄

5 lacs*

you mentioned nominal amount. i didnt know for u it means above 5 lacs.

Post Tycoon Post Tycoon
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If you don’t want to lose a single penny – stick to Fixed deposit. No other option.

Deal Newbie Deal Newbie
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i don’t believe those bank can cover even the rate of inflation. And thanks for suggestion i’d look into that @kukdookoo

I was hoping one might come up with a suggestion of Debt MF  ? how does that stand the test  ?

Blaze Blaze
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Devout_Atheist wrote:

it was ABSL MF unit, of course the reason to invest in was simple enough that to save and grow the savings.

I belive there’s good portion of fees on making charges even when you buy gold coin and i don’t really have enough of funds to afford marginal portion of gold so only option i’m left with gold is Digital

Not to sound rude but with such a critical approach of your comments surely its gonna be a discussion killer ! And others gonna follow your lead  🙄



Digital gold is still unregulated. No government approved monitor like sebi, etc. My suggestion will be to purchase 24K physical gold bars/coins. Price = gold rate+4% VA+3% GST. physical silver at 65K/kg not worth I believe because it rates fluctuates considerably over the years. So to preserve investment/beat inflation, silver would be good at 40K/kg.

Deal Subedar Deal Subedar
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Hi, just sharing my thoughts here from personal experience.

As mentioned by others, FD is the best option thought it might not beat inflation. You can also get tax exemption if maturity period is more than 3 years since you mentioned the time frame.

There are also option like NPS, PPF, Postal savings scheme, RBI floating rate taxable bonds which are sovereign guaranteed but might just be above FD rates and are also medium to long term.

Debt funds which are backed mostly by Gilt and PSU bonds are good but I think they might also be not much higher than FD rates.

Maybe you can consider Index ETFs too which have generally stable returns and capture broader market.

Regarding savings banks, RBI provides insurance upto Rs.5 Lakhs in a particular bank so make sure of that if you are trying relatively unknown banks.

Gold – physical gold from certified sellers like MMTC, BRPL etc. from my opinion when there are offers on amazon, flipkart etc. with minimum amounts like 1g might be good. Similarly SGB is also good with savings bank interest rate and discount for online purchase but there is the issue of holding duration. Yes, digital gold has no minimum amount but not currently regulated and GST charges are high, so I think is not really useful unless there is some offer.

Finally, I think it is difficult to get fixed return instruments which are quite reliable but generate higher returns than FDs. Also please make sure to diversify as much as possible but not too much.

Just my 2 cents. Hope it helps a bit.

Deal Newbie Deal Newbie
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Thank you very much, that was very informative. Good suggestion on Index ETF i’d get digging into that, i’ve heard one ‘youtube advisor’ suggeating to stay away but i’d make my decision after studying it.

Yes i stress upon diversification thats why i keep my distance from Thematic Funds but now im thinking of Gold/Silver Funds of FoF


Deal Newbie Deal Newbie
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smz wrote:

Digital gold is still unregulated. No government approved monitor like sebi, etc. My suggestion will be to purchase 24K physical gold bars/coins. Price = gold rate+4% VA+3% GST. physical silver at 65K/kg not worth I believe because it rates fluctuates considerably over the years. So to preserve investment/beat inflation, silver would be good at 40K/kg.

thank you, i didn’t know that. Whats your take on funds which invests in Precious metals  ? Now nippon is out with silver FoF i think

Deal Subedar Deal Subedar
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Devout_Atheist wrote:

Thank you very much, that was very informative. Good suggestion on Index ETF i’d get digging into that, i’ve heard one ‘youtube advisor’ suggeating to stay away but i’d make my decision after studying it.

Yes i stress upon diversification thats why i keep my distance from Thematic Funds but now im thinking of Gold/Silver Funds of FoF


Sure happy to share. There is this website which is a good compilation of ETFs https://www.indiaet...n/.

Deal Cadet Deal Cadet
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Arbitrage funds are tax efficient option compared to FD with similar returns. 

Deal Lieutenant Deal Lieutenant
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Devout_Atheist wrote:

Thank you very much, that was very informative. Good suggestion on Index ETF i’d get digging into that, i’ve heard one ‘youtube advisor’ suggeating to stay away but i’d make my decision after studying it.

Yes i stress upon diversification thats why i keep my distance from Thematic Funds but now im thinking of Gold/Silver Funds of FoF


Gold/Silver Funds of FoF
22g again not being critical just commenting as a brother, this is not a good idea.

Deal Lieutenant Deal Lieutenant
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bargainhunter wrote:

Arbitrage funds are tax efficient option compared to FD with similar returns. 

do they require demat account?

Deal Newbie Deal Newbie
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Devout_Atheist wrote:

I don’t want to lose on a single penny so not interested to take a risk with

Nothing is zerp risk except the so called sovereign guaranteed returns or the nominal risk-free rate of return.

.

Think of digital gold or purchasing debt instruments with a decent yield curve and and fair liquidity im the secondary market.

.

Or give funds to a businessperson relative, friend for their working capital needs or operational requirement. Take security if needed.

That too might give more than the risk free rate or infpation adjusted rate of return.

Deal Newbie Deal Newbie
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Devout_Atheist wrote:

And to consult a CA or some other professionals for some nominal figure don’t seem feasible. I

Any particular reason why?

.

We even pay pur janitors, building security agencies/ staff, Uber/ Swiggy drivers for their services (if needed).

.

And although ETFs have lock-in, Index funds have a ready secondary market.

I shouldn’t be commenting without knowing the verbatim text or context of whatever that alleged youtuber guru spoke against investing in them.

But prima facie there is little merit to such apprehensions.. just for the namesake.

Deal Cadet Deal Cadet
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kukdookoo wrote:

do they require demat account?

Not necessary. They are just like other mutual funds

Deal Subedar Deal Subedar
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Bonds

Index Funds 

ELSS 

Check out dhani bond S6 IPO for 3 years @ 11%

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