Indian financial market offers various facilities with long term investment options. To provide economic security at various stages of life this long term investment options are very necessary. Long term investment options are available for both non residential Indian and for Indian citizen. Only thing to take care is to choose the best plan which will meet every requirement of an individual.
For long term investment options investors can choose bank fixed deposits. A long term fixed deposit can give up to 9% of interest rate yearly. Senior citizen gets extra benefits from bank fixed deposits. The rules and regulations are determined by the respective bank. Generally it is minimum 15 days period and maximum 5 years and above time period is given to an investor to withdraw his or her amount with interest. The most important thing is that investors get guaranteed returns with safety and security with their accounts.
Now various types of insurance policies are available in financial market to invest money for long term. Some of popular long term investment options with insurance are car insurance policies, health insurance policies, life insurance policies and home insurance policies. Insurance provides risk free returns and lifetime coverage with security for capital investment. Investors can procure benefits of insurance from top insurance companies by choosing policies according to their requirements.
Again long term investment options can be achieved through national saving certificate (NSC investment). With tenure of 6 years NSC is secure and safe for investors because it is supported by Government of India. NSC also gives tax deduction benefits up to an amount 100000 INR. NSC can be bought and invested on its highest amount 100 INR and with 8% interest twice in a year.
Almost every investor believes that PPF- Public Provident Fund is the best long term investment option that has ever evolved. PPF not only gives security and safety of capital invested, but also, provide an excellent interest rate to return profit. PPF is supported by Government of India and given 15 years tenure as investment option. It is evaluated on every year so that investors can have their profits without any problem. PPF investment starts with 500 INR and now maximum is increased to 100000 INR where earlier it was 70000 INR every year.
Long term investment options can also be gained with stock market investment. Returns from stock market or share market are higher than any other investment. But, main problem with financial assets in a share market is that they are not safe and secure to invest. If not invested tactically and after proper investigation of market shares then investors might also get heavy losses. It is not easy to invest in share market but if one can do that nicely then he or she will get excellent gains.
Mutual funds have been attracting investors for a long time. They are really good as long term investment options. A good return is guaranteed through mutual funds which is also a share market investment strategy. Though it is a share market investment funds yet it can give profit through various market risks for investors.
Launched in 1999, SBI Gold Deposit Scheme is another fair idea to invest capital as long term investment options. Investors can deposit gold as capital that starts minimum amount as 200 gm. Interest rate is given as 4% yearly with tenure from 3 years to 7 years. The profit from this type of investment scheme can be procured as cash or as gold again. SBI Gold Deposit Scheme is free from any wealth tariff tax and capital gain tax.
Real estate industry or sector has a tremendous future prospect and investors can gain a handsome amount of profit. There are sectors to invest like health care, housing, manufacturing, hospitality, retail and commercial. During recent years amazing growth has been achieved through real estate sector and that is why might be it is now called money making industry. Investors can expect 30% to 100% interest rate on their capital invested yearly from real estate investment. Long term investment in real estate means a huge prospect to become a rich person. Indian real estate is also developing in a fast rate growth and it has attractive investment option for long term.