BENGALURU: Ever watched gardeners planting a tree? They keep good care of the trifling sapling which was planted! Waters it daily! Never lets the birds or insects to eat it! Hoping that one fine morning the tiny sapling will grow into a fruit-bearing tree! Same is the case with investments! They can be a tricky business, but offer multiple benefits! They can be a little troublesome to take care of, but are also essential to have. It doesn’t matter that what kind of risk appetite you have! You can start small! Here are five investments that will help you. (Source: YAHOO! Finance)

Property

Lower interest rates and the launch of many affordable housing schemes, has made this investment option open for all. Investors can gain profit by investing in the realty market and using the ‘buy now, sell later’ approach. It all depends on your priorities but investing in property can be a good way to secure and amplify your money.

PPF account

Want to invest for your life after retirement? Then, Public Provident Fund (PPF) is the best investment to do! It offers a high return on low risk, and also offers tax exemption of up to 1.5 lakh under Section 80C. Although, other similar investments tools like Fixed Deposits (FDs) provide a high interest rate of up to nine percent, but the interest rates that investors earn on FDs are subjected to tax deduction unlike PPF.

NPS account

Another scheme that will secure your life after retirement! National Pension Scheme (NPS) allows investors to save in a systematic manner during the course of their working years and then to retire with a satisfactory income! It is a voluntary pension scheme which is portable across jobs and locations. Investor can choose any bank to open a NPS account and get registered with the Pension Fund Regulatory and Development Authority.

Mutual Funds

If you have just got into a job the only thing you will know about mutual fund is “mutual funds investments are subjected to market risk, please read the offer related documents carefully before investing”. But that’s not all of Mutual funds. These investments can help you meet your long-term financial goals by growing your money. This is the best approach to invest for people with low risk appetite! You could also switch or diversify your risk by investing in mid- and small-cap mutual funds. The best thing is you can invest in mutual funds without much trouble! Just sitting at your home or office you can receive regular updates through phone or email.

Share Markets

Share market can prove to be pretty fruitful for the investors with greater risk appetite! Share market presents a huge amount of money if invested in a proper manner. Take this investment approach only if you have oodles of patience and discipline. The investment made here can be both short-term and long-term, but in any case the investor has to be patient. Though the returns are huge, a great deal of research and a sound understanding of the market is required to do well!

Apart from the investment approaches mentioned above, an investor can think of investing in Gold. Investment in gold has always been a long-term means for wealth creation! Also, if you have a daughter aged less than 10 years, then Sukanya Samridhi Yojna is another scheme that will ensure her financial security and independence. At last, investors must always be patient at whatever they make an investment in! Remember that tree which you were told about earlier! It takes time to bear fruit! Also, investors must not put all their eggs in the same basket! Invest 50% of your savings in property, 20% in PPF, 20% in NPS, and may be a 5% each in mutual funds and share markets! In this case, if one of your investments fails, the other would be there to support you!

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