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Where Should i Invest 1 Lakh?

1643°
Deal Cadet
imAbhi27

If i have to invest 1 to 2 Lakh 

Which is currently the best option to get good returns in future ?

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1. Define "Good returns".
2. It depends on how much risk are you willing to take
3. Tenor of the investment?
 

Super Stud Super Stud
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I have sent you a link. You can invest in that platform. 

upto 12% short term returns.

Deal Newbie Deal Newbie
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Bhai .. not everything (in life) is about getting referral benefits.

.

.

.

Also, all SpeakAsia, Questnet, Sahara FDs, FTX (crypto scam) and others too had the same M.O. (modus operandi).

The M.O. of building initial trust by creating a few layers of happy investors.. who get their funds

(They get their funds, returns mainly from the new victims/ investors that get sucked in.)

.

Then eventually... the curtains drop.

Deal Cadet Deal Cadet
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Invest in INVOICE DISCOUNTING for 10-12 % returns. I use TradeCred.

Safer investment than P2P Lending.

Helpful Helpful
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Sirji, Please see the agreement that you would have signed for TradeCred.

In any lending/borrowing agreement, one of the most crucial clauses is "Default Clause" - What events will constitute as Default & what actions/steps can be taken (or the lender is authorised to take) if Default happens.

Unfortunately, TradeCred guys have just not mentioned anything in terms of actions in case of default. The Default clause itself is missing!!! - HUGE RED FLAG!

Which literally means that legally, as per the agreement, you are not entitled/authorised as a lender to take any action against the borrower if the borrower defaults!!!

In crude layman terms - Take my money, If you return it then good since I make some money(interest). If you don't return it - <silence> 😂

My suggestion - Get your money out at the earliest. Coz when the music stops, there are no chairs itself in this musical chair game called TradeCred! 😂
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Helpful Helpful
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1. Define "Good returns".
2. It depends on how much risk are you willing to take
3. Tenor of the investment?
 

Deal Cadet Deal Cadet
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Tenure can be 2year+ 


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Helpful Helpful
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I think on current market condition fd is best

Deal Cadet Deal Cadet
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if you want interest with liquidity then go for sweep fd ( liquidity + fd interest rate + lower risk)

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Helpful Helpful
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12 % club is best imo

Other options are cred club(only 9% so useless) better go for FD

Debt mutual funds useless as only 6% avg return no tax benefit 

Mobikwik extra( 12% to 13%)

India p2p  (16% to 18%)

Higher returns  means higher risk

Finance Ninja Finance Ninja
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How is India P2P?

I am using INDMoney's P2P (SAVE PLUS - 9%)
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Super Stud Super Stud
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I have sent you a link. You can invest in that platform. 

upto 12% short term returns.

Helpful Helpful
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Send me too

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Super Stud Super Stud
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Both the platforms are tried and tested by me with returns already credited to my bank account.

Deal Lieutenant Deal Lieutenant
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Send me too

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Generous Generous
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Induslnd FD

Deal Cadet Deal Cadet
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Why IndusInd FD

Why not others?

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Deal Cadet Deal Cadet
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Send me too

Deal Cadet Deal Cadet
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What is this, can u elaborate 

Cool Cool
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Investing the funds other than normal fd/mutual funds


Like invoice discounting/Peer to peer lending which yields more profit

Short term or long term based on user preferences
Deal Cadet Deal Cadet
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Invest in INVOICE DISCOUNTING for 10-12 % returns. I use TradeCred.

Safer investment than P2P Lending.

Cool Cool
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There are few more available with high return in invoice discounting


13-18%
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Benevolent Benevolent
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Return is a factor of time and risk. First define "future" i.e. tenure. Then define the extent of risk you can take i.e. how much maximum loss you are willing to accept.


Deal Newbie Deal Newbie
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Invest in talkcharge money loading offers and double tripple your money in 1-3 years joy

Deal Cadet Deal Cadet
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How are they even providing such kind of cashback no_mouth

Deal Newbie Deal Newbie
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Please share with me high return platform. Only safer platform.

Critic Critic
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Go outside of your house, ask someone where is the nearest SBI branch, then go there & open a 2 year FD at 7.19% interest.
@Ramta_Jogi
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Blaze Blaze
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Pm me the link too

Deal Cadet Deal Cadet
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PNB 666 Days @ 7.25%

Fincare SFB 1000 days @ 8.41%

Deal Cadet Deal Cadet
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Might be late to the discussion but if you want safe and guaranteed returns, I will suggest you to buy Government Treasury bills for 90 days. Looking at the condition of the stock market, I have myself invested in Treasury bill. 

Cool Cool
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Ib the details

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Deal Newbie Deal Newbie
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Fd 8%

Deal Newbie Deal Newbie
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Banks deposit have increased by 25% in a year.  If u have senior citizen u can get upto 9%. Interest rate. Secured upto 5 lakhs

Deal Cadet Deal Cadet
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Monexo. Research before investing according to risk appetite and always diversify investing portfolio.

Deal Cadet Deal Cadet
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12pcClub - Refer your wife/father/mother/son/daughter and invest in their acc. 

1.2% referral + 12% for investment = 13.2% 

In terms of liquidity, return on investment, effort and risk, this is best one. 

Wingman Wingman
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12% club stopped referral benefits from Last month.

Deal Cadet Deal Cadet
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Start investing in large cap stocks. Today is the best day to buy some infosys stock.

Deal Subedar Deal Subedar
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Strong companies jiske share 52 week low pe hai usko buy karlo

Deal Cadet Deal Cadet
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"Laxmi Chit fund" 21 din me paisa double 😌

Deal Cadet Deal Cadet
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You can try investing with rbiretail direct in government bonds with returns greater or equal to FD. For the short term purpose, t-bills are recommended.

Cool Cool
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Any links or way or doc to invest in??

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Deal Cadet Deal Cadet
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In terms of current inflation rate, you will loose money in FD. 

invest some amt in FD and rest in stock/mf.

Better to invest in bluechip/large cap stocks with low beta. Don't invest all amount in single stock/same day.

As per the current mkt statistics, mkt won't crash till nxt yr (Being an election year). At least, there would be some index management by DII.

Deal Cadet Deal Cadet
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Invest in yourself, get some skill... money will automatically muiltply

Deal Cadet Deal Cadet
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This is very true...

Like Magnet Like Magnet
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There is no best investment option available in current scenario. Just because of government. They force us to spend more instead of saveing that's why they increased tax even on saving instruments just like PPF banks mutualfund insurance etc with high tax rate. So with low risk high liquidity FD in best nowadays. Otherwise all option are comes with 100% loss risk. Also stock market is also good option because there is less chance to fall 100% and higher chances to get more than FD. Also it has more liquidity than p2p leading.

Helpful Helpful
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*Laxmi Chit Fund*

Deal Cadet Deal Cadet
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People who are using cred, hows the experience?

A lot of people told me to stay away from it when I started a thread like this
https://ddime.i...uF

Deal Cadet Deal Cadet
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Invest in TCS + Infosys..exit in 2 years when it has doubled. Reinvest when it falls..

Investing in Any Govt Schemes or Banks is BLUNDER 🥴 (unless Section 80C)

90% lose money in stock market..select only bluechips dmart Asian paints reliance tcs Infosys hdfc hul types and avoid risky fraud manipulated stocks....

IMG20230418053147

Helpful Helpful
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So , You did bottom fishing on 3 Adani Stocks. 

??

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