2. Certificates of deposits

Another low risk investment, certificates of deposit, or CDs, offer higher interest rates than money market accounts.  With a certificate of deposit, the money is deposited for a fixed period ranging from one month to several years.  Money withdrawn before the maturity date is generally charged a fee or penalty. 

CDs are the highest interest-bearing account that is FDIC insured for deposits in the event the bank fails. These offer higher returns but only after the duration of the CoDs maturity period comes to an end. It is a safer option for investment.

3. Private Equity Investments

Private equity is another good investment option. It does not depend on the traditional stock market scenario. Private equity investments consist of equity securities of a private company. These equity securities are offered by privately owned equity firms, angel investors or venture capital organizations.

The concept of private equity investments is on the increase in India. All these parameters make it a good investment option in 2014. The returns are satisfactory & there are above 365 firms that function under Indian equities currently.