8 Best Long Term Investment Options for 2017
Long-term investing is all about getting into the right investments and waiting it out patiently till you are ready to redeem them to meet your financial goals.
Here are three best long term investment options for investors:
Sr No. | Best Long Term Investment Options | Tax Benefits Offered | Ideal For Below Mentioned Goals |
| 1 | ULIPs (Unit Linked Investment Plan) | Under Section 80C and Section 10 (D). (Maximum deduction that can be claimed is Rs 1.5 lakhs.) | Useful in meeting a range of financial goals like retirement planning, child’s education / marriage, down payment for a house, etc. |
| 2 | Equity Funds | Under Section 10(D). (Maximum investment of Rs 1.5 lakhs.) | For tax benefits, opt for tax-saving mutual funds, also called ELSS or equity-linked saving scheme. |
| 3 | PPF (Public Provident Fund) | Under Section 80C (Maximum investment of Rs 1.5 Lakhs) | Relevant for individuals with a low risk appetite to save money over the long term for retirement planning/financial goals. |
| 4 | Stocks | - | nvestments based on high risk capacity |
| 5 | Mutual funds | Under Section 80C (Maximum investment of Rs 1.5 Lakhs) | For Both High and Low risk investors |
| 6 | Bonds | Under Section 80 C | For less risky investments |
| 7 | Gold | - | - |
| 8 | Real Estate | - | People who have received huge cash benefits from prior investments |
8 Good Long Term Investment Options for 2017
Long haul ventures offer a few points of interest. They self multiplying dividends like settled stores in a bank and are more expense proficient like certain shared reserve speculations. Long haul speculations are held for a long time or all the more, yet these sort of ventures require responsibility regardless of the possibility that you confront budgetary crunches in the middle.
Long haul speculations give unrivaled returns at whatever point it develops. These sort of speculations are suited superbly for your youngster, as you can design fiscally for his/her future - training, marriage and way of life. There are a few long haul speculation alternatives accessible and you should pick one deliberately relying upon your money related objectives and the hazard factors joined to the venture designs in India.
It's called 'Long haul' for a reason, you contribute and disregard the cash till the time it develops. Keep a tab on your reserve funds every now and then so that you've a thought of your speculations. Here are some long haul speculation choices for you –
PPF and EPF
A standout amongst the most well known venture choices in the nation, the Public Provident Fund is with a financing cost of 8.7% and still remains the best wager. It has tax breaks under area 80C and furthermore the intrigue salary is exempted from assess.
PPF is especially important for people with a generally safe craving hoping to spare cash over the long haul for retirement arranging or some other long haul monetary objective. Financial specialists with higher hazard hungers can likewise put resources into it to adjust their speculation portfolio.
Commitments to PPF as likewise EPF (Employee Provident Fund) fit the bill for tax cuts. A most extreme speculation of Rs 1.5 lakhs is allowed with the end goal of guaranteeing advantage under Section 80C. The individual can contribute more than that, however can't assert tax cut
The loan fee on the PPF is advertise connected and reset each year. The PPF develops in 15 years. You can pull back following six years however it can't surpass half of the adjust toward the finish of the fourth year or the prompt going before year, whichever is lower.
Stocks
Putting resources into stocks is another alternative in any case however there is no certification that you will increase any profits. You can pick as a piece of the portfolio and level of designation ought to be founded on the hazard limit.
Common assets
These are for individuals who need to put resources into bonds and equites keeping in mind the end goal to adjust the hazard and return. There are a few sorts of assets in which one can contribute contingent upon its hazard limit. Or, then again you can likewise settle on Systematic Investment Plan (SIP) which lessens the market chance by building a portfolio in a more drawn out length with little ventures at consistent interims.
Land
Land is a blasting industry in our country. It has incredible prospects in every one of the areas like friendliness, business, retail, lodging, fabricating and so forth. Individuals who have gotten tremendous money profits by earlier speculations can put resources into land.
Bonds
On the off chance that you discover putting resources into stocks dangerous at that point bonds give a more secure choice. A 10 year government security gives a financing cost of 7.70 percent, you can likewise pick swelling listed securities, here the loan fees depend on the expansion.
Gold
An unsurpassed most loved venture item, you can put resources into gold in any configuration – Gold bar, Gold ETF, gold common reserve, gold store conspire and so on. The security will have a tax free loan fee of 4% with a secure time of 3-7 years.
ULIPs
Unit connected protection designs, otherwise called ULIPs put resources into obligation markets and values. You can watch over the high points and low points by the net resource esteem (NAV) . In spite of the fact that ULIPs are not prescribed by most because of different charges, they can give you a not too bad profit of 8% for long haul ventures.
Unit-connected protection designs or ULIPs put resources into resource markets – values and obligation. Consequently their portfolio witnesses good and bad times which is caught by the net resource value(NAV), typically distributed at normal interims. All buys and recoveries in the ULIP are at the NAV in addition to a heap, assuming any.
Given the changes innate in ULIPs from introduction to values, they are in a perfect world suited for financial specialists who consider high hazard ventures.
ULIPs generally offer an extensive variety of choices crosswise over value and obligation markets. The shifted selection of choices implies you have a superior decision of finding the most appropriate arrangement/alternative for your hazard profile and venture objective.
ULIPs offer tax cuts under Section 80C. The most extreme finding that can be asserted is Rs 1.5 lakhs. Recovery continues are tax-exempt under Section 10(D) and henceforth ULIPs likewise assume the part of perfect tax exempt speculation choices in India.
ULIPs can demonstrate valuable in meeting a scope of monetary objectives like retirement arranging, youngster's instruction/marriage, up front installment for a house, among others; henceforth settling on them a perfect decision to pick while picking a long haul venture choice.
Value reserves
Shared assets that put resources into stockmarkets are an absolute necessity have for long haul speculators. These long haul speculation designs enhance crosswise over stocks and parts to guarantee they benefit as much as possible from developing patterns in stockmarkets.
Go for very much oversaw, all around expanded value reserves with long haul track records crosswise over market cycles. Enter the reserve with a skyline of no less than five years to give the speculation a chance to record long haul picks up.
On the off chance that you are searching for tax reductions, settle on charge sparing common assets, likewise called ELSS or value connected sparing plan. These common assets work like general value reserves aside from that they have a three-year secure. They offer tax breaks under a most extreme speculation of Rs 1.5 lakhs. Reclamations are tax-exempt under Section 10(D).
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8 Best Long Term Investment Options for 2017
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October 28, 2017
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