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4 Best Investment Plans for Medium Term

Stock-Markets / Investing 2022 Oct 22, 2022 - 12:00 AM GMT

By: Mark_Adan

Stock-Markets

Medium-term goals can be a great motivator. They can give you something to focus on in the present moment and help you to stay on track. However, it is important to choose an investment option that will not be too volatile. This way, you can be sure that your money will be there when you need it. Some of the most common medium-term goals include saving for your wedding or down payment of a house. If you're wondering what the best investment options are that will help you achieve your medium-term goals, this list should help. Find the best trading app UK here.


National Savings Certificates

If you're looking for a safe investment with a decent return, National Savings Certificates (NSCs) may be a good option for you. NSCs are issued by the post office and backed by the government, so you can be confident that your money is safe. They work like a 5-year FD, with an interest rate of 6.8% per year. The entire amount is payable only at maturity, so it's a good option if you have a goal that is 5 years away. However, NSCs have some limitations, such as a 5-year lock-in period and relatively low returns compared to other options such as debt funds or hybrid funds. Still, many people invest in NSCs because they are a safe and easy way to save money.

Post Office Time Deposits

When it comes to finding a safe place to grow your money, you have many options to choose from. One option that is often overlooked is the Post Office Time Deposit. These investment options offer better returns than banks, without any additional risk. This is because these schemes are backed by the government of India. So if you are looking for a safe and profitable place to invest your money, the Post Office Time Deposit may be the perfect option for you.

In general, the Post Office Time Deposit interest rate will be higher by a few percentage points than what banks offer. For instance, the current interest rate on Post Office Time Deposits is 5.5% for a 1-year time deposit. This is higher than the interest rates offered by banks, which are currently in the range of 3-5%.

Debt Funds

If you're looking for a debt mutual fund that strikes a balance between risk and return for your medium-term goals, there are three fund categories that are worth considering. Short duration funds offer a relatively low level of risk, while corporate bond funds and Banking and PSU funds offer the potential for higher returns. Ultimately, the best debt mutual fund for you will depend on your specific goals and how much risk you're willing to take on.

For example, if you are looking for a steadier return with less volatility, you may want to choose a fund that invests in more conservative debt instruments. However, if you are willing to accept more risk in exchange for the potential for higher returns, you may want to choose a fund that invests in more speculative debt instruments. Another key factor to consider is your time horizon. If you are investing for the short term, you will likely be more concerned with preserving capital than generating high returns. However, if you are investing for the long term, you may be willing to accept more risk in order to achieve higher returns. There is no right or wrong answer when it comes to choosing a debt fund; it all depends on your individual goals and risk tolerance.

Hybrid Funds

Hybrid funds offer investors the best of both worlds: equity's growth potential of equity and debt's stability. By investing in a combination of asset classes, hybrid funds help to minimise risk and maximise returns. For investors looking for a one-stop solution, hybrid funds are an excellent choice. And with the added bonus of exposure to gold or real estate and smaller companies investment, hybrid funds provide even more diversification and protection against market volatility. Without a doubt, hybrid funds are a smart option for anyone looking to build a well-rounded portfolio.

By Mark Adan

MarkAdanSEO@gmail.com

At Animuswebs.com, we specialise in content-led Online Marketing Strategies for our clients in the Marketing, Finance, Business industry and other sectors. With our professional writing team and our superb content creation programmes we achieve great marketing successes for our clients.

Copyright 2022 © Mark Adan - All Rights Reserved

Disclaimer: The above is a matter of opinion provided for general information purposes only and is not intended as investment advice. Information and analysis above are derived from sources and utilising methods believed to be reliable, but we cannot accept responsibility for any losses you may incur as a result of this analysis. Individuals should consult with their personal financial advisors.


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