Need suggestions on One time investment of 2 lakh

124°
The PostMighty
cveldandi
Hi Friends,

I need suggestions for a one time investment of 2 Lakh.

Actually my parents have 2 Lakh ,they got it from a mature FD. Now they want to reinvest in FD again

Suggest best investment which is secure with best roi  for them and if possible should be easily redeemable.

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Generous Generous
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Whatever you decide, please ensure that you do only after approval from parents.

The PostMighty The PostMighty
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Certainly,they only asked for options and with their approval only I will proceed.and I don't want a penny from that amount, I wanted to keep their requirements.

Benevolent Benevolent
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fd is good and secure with 0 risk + easily redeemable ,currently Indand income tax until 40k intrest,indian market is in bubble at least according to me 😬

Vanguard Vanguard
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Try goverment bonds

Deal Cadet Deal Cadet
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Purchase NSC from post office.

Helpful Helpful
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Small finance bank FD

Helpful Helpful
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You can choose to make FD again in any bank offering high interest rates. If parents are senior citizens then they will get higher interest rate as well. Upto 5 Lac is insured by DICGC so it is safe to invest in any small finance bank too.

Benevolent Benevolent
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better get little lest interest and open fd in top banks for hassle free experience
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Deal Lieutenant Deal Lieutenant
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in 2-3 bonds with 12-13% interest.

Deal Cadet Deal Cadet
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Which bond giving this much interest with negligible risk?

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Deal Cadet Deal Cadet
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SIP + Step Up SIP

The PostMighty The PostMighty
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Looking for one time investment

Deal Lieutenant Deal Lieutenant
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1) if you dont have time -> keep it in FD for high liquidity

2) if you have time to monitor -> dabble in MF

3) if you have patience without heartbreak -> juggle into stocks BY YOURSELF (never take tips from anyone, go with learning yourself) BUT KEEP EXTRA MONEY MIGHT NEED ANOTHER 2LAKHS TO AVERAGE IN AFTER 4 YEARS IF STOCK MARKET CRASHES

4) Bonds and P2P you need to keep watching REGULATORY NEWS from RBI regarding Corporates, Banks and NBFC

5) Gold if you are okay with 8% to max 10% CAGR (past record i think)

6) Land you cant find any good land with just 2lakhs, so forget land for now

7) Govt Treasury bills OR Post office schemes max is 8.5% at this point of time


Answer is : PICK ONE OF THE ABOVE BASED ON YOUR RISK APETITE 

Talk-Of-The-Town Talk-Of-The-Town
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Don't invest in products you don't understand...people have no morality..will advise you any products for referrals and commissions

Post Mogul Post Mogul
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gold gold gold
Generous Generous
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Gold or FD , tats it . 

Finance Mentor Finance Mentor
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investment which is secure

let them do FD again please .

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