Where to Invest Your Money in 2021 with High 15% Returns?

Investors want to maximize their returns and minimize the chance of losing their principal. Many investors are constantly on the lookout to find top investment strategies that can double their money in a few months or years.

Before you invest in any investment avenue, it is important to assess your risk profile and the risks associated with that product. Some investments have higher risk but can generate higher inflation-adjusted long-term returns than other asset classes, while others are more conservative and offer lower returns.

Before you invest in any investment avenue, it is important to assess your risk profile and the risks associated with that product. Some investments have higher risk but can generate higher inflation-adjusted long-term returns than other asset classes, while others are more conservative and offer lower returns.

Why should you invest?

Investing can help you to generate additional income, save you money, and even get you out of financial trouble. It is a smart decision to let the money work for your benefit.

You need to weigh the potential benefits and risks of investing. You’ll also need to have a manageable level of debt, a sufficient emergency fund, and the ability to weather the ups or downs without having to access your money.

Mutual Funds

Equity mutual funds are the best option for long-term wealth creation, such as buying a house or retiring early. This is because the top-performing equity mutual funds have earned annualized returns of around 20% over the past 10 years and Rs. Retail investors have now invested Rs. 1 lac. 6 lacs.

To maximize the potential of mutual funds it is recommended to either search online for the best mutual fund based upon the past performance or to seek the advice of an independent financial advisor.

It is important to assess your risk appetite, as there are many mutual funds that are based on risks, such as large-cap funds and mid-cap funds. There are also thematic funds such as pharma funds. Mid-cap funds are safer than small-cap funds. These funds are still more tax-efficient and offer better returns than other asset types, even after the introduction of long-term capital gains tax for equity. You can also get tax benefits from section 80C by investing in mutual funds such as Equity Linked Savings Scheme.

Real Estate

This asset class is attractive because of the time-dependent corrections in prices. This could be a great long-term investment choice. Buyers have been protected and more transparent by a regulatory body like the Real Estate Regulatory Authority. Today, fraudsters are less common. Due to increased urbanization, greater consumer spending, and easier access to home financing, real estate is recovering. Long-term returns are possible in the affordable housing segment. You can enjoy a number of tax benefits when you borrow home loans under Section 80C or Section 24 of the Income Tax Act, 1961.

Stock Market

Stocks are the best way for you to earn good returns if you understand them. It is important to find stocks that are being traded at a lower price than their actual value. You should then buy small amounts of these stocks to create long-term wealth.

NPS

The government-sponsored scheme guarantees a minimum pension to the subscriber. Benefits up to Rs. 1.5 lacs per annum and an additional Rs. 50,000 under section 80CCD (1B). There are many investment options available. To get great returns, you can choose to invest 50% in equity, 30% or corporate bonds, and 20% in gilt funds.

PPF

The Government of India backs a PPF (or Public Provident Fund account). These accounts can be purchased at banks and post offices. The account has a tenure of 15 years, but you can withdraw funds from the 7th to the 20th year. All income, including the principal, interest, and maturity amount, are exempt from tax. The quarterly revision of the interest rate is based upon government bond yields.

Initial Public Offerings

Before investing in a company, it is important to fully understand its future prospects and the company’s fundamentals. Infosys is an example of a strong company that has seen its initial investment multiplied many times by investors who invest in an IPO.

Systematic Investment Plans

They can participate in the wealth-creation process over the long term through investing in equity markets. Start with Rs. You can start with Rs. 500 and increase your monthly contribution as your salary increases. This type of investment gives you the advantage of rupee cost average (lowering your average purchase price).