What is best investment option?

Investing is a purchase of assets with an objective to generate regular income, profits or capital appreciations, which can be sold in future. There are multiple investment products like real estate, bonds, equities, gold etc. with varied features and benefits. Choosing the right product is most critical part of investing process. One should carefully analyse attributes of the asset before investing in an asset. Below we have explained the important factors that should be seen before investing in an asset.


Liquidity of an investment, is the most important thing that an investor should watchout for, before putting money in any product.Liquidity refers to the mechanism of converting the investment into cash or merely selling the investment. Listed share of a company is easy to sell than a property which is located in an elite area. Thus, equities are liquid investment while real estate is an illiquid investment. Tradtionally, Gold is also considered to be a liquid investment. However, cash and saving bank balance are the most liquid products, but they do not yield great returns.

A portfolio design should be such that, it has mix of all assets, so that in case of any urgent requirement , one is able to liquidate some investment . One can do proper cash flow planning for whole life or near term future,based on the personal needs, and bifurcate money into different products.


Risk is the second factor that an investor should consider before investing. Risk means the chance of not meeting the expected returns from an investment. Different assets have different risks associated with them. Equities are considered to be the risky asset while government bonds and gold are considered to be safe investments.

Before investing, an investor should understand the various risk of investing in an asset and should invest in an asset which matches his risk profile and requirement. There is no fixed portfolio for a particular risk category, however we have tried to present a broader framework of asset allocation.


Return means the actual profit we make on our investment. Return can be interest, dividend or profit on the investment. Different assets have different return potential. Empirically, it has been noted that equities give more return than other assets. However, equity also can be volatile in short term.

The below chart clearly demonstrating that equities and gold have given more return than government 10 years bond in last 20 years.

One can choose among different products, based on personal goals. For long term goals, one can invest in assets like equity or more volatile assets, However, one should invest only in fixed income bearing assets for short term goals.


Taxation is also an important factor you should analyse before investing. Investment should be tax efficient. Below is the taxation system on equity mutual funds, Debt Mutual Funds and Gold ETF.

Similarly, different assets have different taxations, an investor should carefully analyse different taxation on different assets.


At the time of making an investment, an investor should know his needs and then take a decision. An investor can have multiple investments based on his needs. Suppose one need money for child education after 20 years, then one can invest in the property since property can give a higher return in long-term with less liquidity. In case a person needs money after 2 years, he should not buy property, as it is an illiquid investment and takes some time to sell. He should also consider the taxation impact on his returns because higher taxation can reduce his post-tax returns.

19 Replies to “What is best investment option?”

  1. Greetings to all

    As we all know that in today’s date, individuals have a lot of investment options wherein; they can save their money to augment their income thereby paving way for wealth creation. Since, everybody is always careful about their money so they do not want to part with it. So, some of the investment options or avenues that individuals have are bank deposits, stocks, bonds, gold, real estate, and so on. So, let us have a brief understanding on some of these investment options.

    • Bank Deposits: Considered to be one of the traditional investment avenues, individuals have been using bank deposits since a long time. These deposits are considered to be risk-free and earn a fixed return on the investment.
    • Stocks: It means the shares of different companies. This is a good investment option for long-term basis and individuals can earn good returns by investing in proper companies. However, individuals should have a well-versed knowledge about stocks so that their investment proves fruitful.
    • Bonds: It refers to investment in government securities. These avenues can be considered for short-term, medium-term, and long-term investment avenue. These instruments also earn a pre-fixed return.

    However, one of the best investment options that can be considered as an investment avenue is Mutual Fund. Mutual Fund is an investment vehicle that collects money from individuals having common objective of trading in shares and bonds and trades on their behalf. One of the advantage that mutual fund enjoys is lower trading cost due to trading in higher volumes. In addition, these mutual fund products are designed to suit customer’s requirements. First of all, to understand with the basics, the mutual fund industry is a well-regulated industry with Securities and Exchange Board of India (SEBI) being its regulator. In addition, the Association of Mutual Funds in India or AMFI looks after the development of the mutual fund industry. Individuals new to the mutual fund industry can make use of Mutual Fund Investment Guide a document that guides them through the process of investment in mutual funds. So, let us look at some of the advantages of mutual funds.

    • Types of Mutual Fund Schemes: There are various types of mutual fund schemes like equity funds, debt funds, hybrid funds, and fund of funds to suit the requirements of various people. For example, risk-seeking individuals can choose to invest in equity funds while debt funds can be chosen by risk-averse individuals.
    • Systematic Investment Plan (SIP): SIP is one of the key benefits of mutual funds. Through SIP, individuals can invest in SIP in small amounts at regular intervals. SIP ensures that it does not pinch one’s pockets as they can invest as per their requirements. The SIP investment can be started with INR 500.
    • Professionally Managed: mutual fund schemes are professionally managed wherein; mutual fund companies are well regulated. They need to follow the rules that are properly laid down.

    Thus, we can say that mutual funds are one of the best investment options. However, individuals should consult their investment adviser before making any investments so that their can augment their income.

    To invest in mutual funds, visit: http://www.fincash.com

    For additional Readings:

    Systematic Investment Plan(SIP Investment)

    Types of Mutual Funds

    Enjoy Investing!

  2. Hi,

    As per me these are the best option for investment purpose.having advantages as well as disadvantages that you should consider prior to investment.

    Investment Option – Real Estate v/s other assets (Gold, mutual funds, share market etc.)

    Investment opportunities have and will continue to be an integral part of everyone’s lives. At different stages along the way, one debates with themselves as to which option is best suited for them. Real estate, gold, mutual funds and equity are some of the main investment options that one looks into, but each have their own pros and cons. Each aspect of these investment opportunities make them unique and to make money one has to have a better understanding of the positives and negatives. Let us take a look at these points of debate –
     Real Estate:

    Real estate is subjected to land, as well as any physical property or improvements attached to the land, including houses, buildings, landscaping, fencing, wells, etc.
     This is an avenue which takes a longer period to see a return on investment



    A Low volatility and a gradual increase in market prices lends stability to the investment


    Through renovation and repairs the performances of one’s investment can be amplified


    Benefits can be achieved from home loans for each property purchase


    One can rent out properties which provides a monthly income



    There is a high transaction cost incurred due to stamp duty and registration


    It is capital intensive in nature


    Closely attached to high cost of maintenance


    Difficult to generate cash in case of emergency however mortgaging the same is possible

    Other Assets

    A stock market, equity market or share market is the assembly of buyers and sellers. It is a loose network of economic transactions and not a physical facility or discrete entity of stocks or shares.

    These kinds of assets may include securities listed on a stock exchange as well as those which are only traded privately. Equity, Mutual Fund and BondsMutual funds like Equity, Mutual Fund and Bonds has different types of risks. Investments made in these kinds of assets involves greater amount of risk.



    It includes higher rates for return on investments


    when required, it can be easily convertible into liquid cash(asset that can be converted to cash)


    Less capital intensive in nature


    The assets are handled by professional fund managers



    Susceptible to higher risk


    Requires in-depth understanding and knowledge while choosing good equity stocks


    It is a non physical asset

    If you have still any query related to real estate visit Walls N Roof where they can help you for where you supposed to make investment .This company is known for there quality assurance & satisfaction.

  3. Equity is best option to make money in long-term. No other instruments can give return more than equity, not even real-estate.

    Traditionally people find best option to do invest in real estate. But there are many issues in real estate like liquidity, size of investment, litigation etc.

    You can see RBI housing price index below, which reflects price trend of housing market. You can observe no big appreciation/growth in the real estate market.

    Source : Reserve Bank of India

    My suggestion….. go for mutual fund rather investing in direct equity. There are various funds are available and select as per your requirement.

    Below link will help you to find how to do the investment more efficiently

    Karthik Gunasekaran's answer to What are the best mutual funds to invest in India?

  4. I try to keep my investment ideas a secret—if you want them, you have to subscribe! But I’m going to give away this month’s idea. Are you ready? Here it is:

    Pay down your mortgage.

    Yes, that’s a bit unorthodox to hear from a person writing financial newsletters. But people think too much about the next get-rich-quick idea and not enough about their overall financial well-being.

    I bet that in addition to having a successful portfolio, many of you have a lot of debt. And going into what could be a serious downturn (I wrote about that in free special report, Investing in the Age of the Everything Bubble, which you can download here), I’m uncomfortable having a lot of financial leverage.

    If you think the market will go down, then:

    1. you should stop thinking about buying inverse VIX ETNs
    2. and start thinking about how to deleverage in a smart fashion.

    Paying Off Debt Gives a Much Better Risk-Reward Today

    Paying down your mortgage is part of that. It is part of an overall exercise in balance sheet repair, which includes…

    1. Building a cash position
    2. Paying off debt:Margin debtCredit card debtCar loansMortgage debt

    Financial leverage cuts both ways. It can help you on the way up, and it can hurt you on the way down.

    Funny thing about paying down debt—technically, you are “making” whatever the interest rate on your loan is. If you are paying down a 4% mortgage, you are actually earning a 4% return (on a pre-tax basis).

    Given that high-yield ETFs yield about 5% these days (and are circling the drain), it seems like a much better risk-reward.

    Also, I would not get get too caught up in thinking about your mortgage interest deduction. Chances are, it is going away anyway in the tax reform bill, and besides, that is a terrible reason to have debt.

    As for credit card debt… there is no reason to have credit card debt unless you are experiencing temporary financial stress.

    And I would not worry too much about your credit score suffering because you do not have any debt. That’s the wrong reason to take out debt.

    Deleverage Before It’s Too Late

    There is no freedom in the world quite like freedom from debt. All this money going out the door in monthly payments… you can make it stop.

    If you don’t do this, and we get the downturn I think we are going to get, your balance sheet is going to deteriorate as the asset side of the ledger gets smaller. So the goal here is to deleverage when you can, not when you have to.

    Forced deleveraging (i.e., margin calls) is never any fun.

    The heuristic on paying down your mortgage is that you shouldn’t do it when interest rates rise. To use an extreme example, if interest rates rose to 10% and your mortgage was 4%, you would be better off keeping the money in a savings account than paying down your mortgage.

    But one thing that is not factored into that calculation: less debt is always better than more debt.

    My guess is that when the market turns, we are going to be hearing about a lot of hidden leverage that we never even knew was there. It is like that old Warren Buffett quote: “You only find out who is swimming naked when the tide goes out.”

  5. That's like asking "which is the best medicine these days?"

    The best medicine for you is based on YOUR medical situation.

    Similarly, the best investment(s) for you will depend on your financial situation and goals.

    However, in the absence of any more details about you, here's a rough guide:

    Very short term – A few days/weeks/months:
    Liquid/Ultra Short Term Funds or Bank Fixed deposits

    Short Term – 1 to 3 years:
    Short Term Debt Funds

    Medium term – 4 to 7 Years:
    Combination of Debt and Equity Funds with Debt portion being higher

    Long Term -8 to 14 Years:
    Combination of Debt and Equity Funds with Equity portion being higher

    Very Long Term – 15 years or more:
    Equity Funds

    This is just a general guideline for a quick perspective. For customised advice, you can engage a qualified professional i.e. a fee-based financial planner/advisor.

    Hope this helps.

    For professional advice, you can contact me:
    Email: Plan@FinCare.co.in
    Website: FinCare Financial Planning and Wealth Management
    Linkedin Profile: Page on linkedin.com

    All the best!

  6. Hit There! Best Investment Option? Now there are a lot of investment options especially if you go into finance and they’d overtime start to generate that kind of income. Like everybody else here I will suggest something for you that has worked for me, I’m sure it will work for you too. Binary Options Trading, now there are two way you can make money of binary options trading, the hard way or the easy way. The hard way is that you become a trader yourself, go through all the strategies and prepare your mind to go through the whole phase and you invest your time and money to do so, over the time you acquire the skill of a Options Trader. Now the easiest way to make money of Binary Options is to automate your tradings. How? Get a Trading Robot and let the robot do the trading for you. You just sit back and watch the cash flow in. A good trading robot has 80% success ratio. Now when a single trade yielding up to 90% profit you can make a lot of money. You can also check out Finpari’s fixed income account for a healthy investment and turnover. Check out FREE Robots and $1000 Replenish able Demo Account here: IQ Option | 60 Seconds Trading

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    BOBO Strategy (OBIF)

    BOBO strategy (OBIF) has been invented by the Italian trader OB60 and it stands for Binary Options Boundary Out.

    As the name implies, through this strategy we tend to invest within the binary options. during this kind of binary options the trader will select whether or not to trade inside vary (IN) or outside a price range. The broker sets a value vary and also the trader should predict whether or not during a given timeframe the value of the chosen quality can finish in or out of this vary.

    Generally the value vary isn't an equivalent for the within and to the skin. For the within it's a touch ‘tighter and also the outside could be a bit wider. once the trader opens the binary option the acquisition value is strictly at the middle of the vary indicated by the broker whether or not it's an option IN or OUT.

    Trading with BOBO, at the option point, the trader expects the value to be outside the value vary of once he tree branch it. Obviously, before the trader purchases the option, he can see on the chart of the broker this value and 2 parallel lines shaping the interval, and these lines can move supported however this value changes. within the moment within which the trader purchases the binary option, the vary are set in line with the acquisition value. This way, the trader has got to hope that at the trade point the value can shut or on top of the utmost level of the vary or below the minimum level so as to shut in profit. If the value of the quality closes inside this vary, the option can lead to loss. we tend to used it over and once more and also the results were stunning.

    Attentive readers can have sure enough already realised that with this kind of investment we've got shifted the main focus from management to the volatility. That’s right, we tend to don't care concerning the direction that the value can take when we tend to purchase the option, it are often up or down, however we tend to don’t care concerning it, what we actually care concerning is that the worth can move from this value, in one direction or another, and also the necessary issue is for it to maneuver for a precise variety of pips.

    How the strategy was born

    OB60 has noticed , and the way he additionally several alternative traders WHO follow the markets, that in proximity of the publication of sure economic news costs bear sturdy jolts a number of moments before publication or in several cases even many minutes. This high market volatility isn't typically inevitable in direction, however we tend to don’t care this, we tend to solely care that there's volatility. Clear? we tend to don't care concerning the direction, we tend to are solely involved that the value suffers a jolt.

    How to apply this strategy

    In order to use BOBO strategy we'd like, 1st of all, to grasp the timetable of the news unleash, and for that you simply will look directly at the economic calendar.

    Then we tend to should be able to open a binary option OUT being careful to settle on as its point the one among the discharge of the news that we've got elect. Since this date is created obtainable by the broker concerning half-hour before, it implies that if we wish to open a BOBO on the 9:30 news, we've got to examine that this point is offered on the broker just about at 9:00. Generally, we discover obtainable up to 8:59 the utmost point of 9:15 that's not sensible for US. solely at 9:00 the broker permits investments with a point of 9:30.

    Therefore if the news are printed at 2:00pm it implies that we've got to be able to open the investment at 1:30pm.

    In these half-hour the value will move typically inside the chosen vary particularly within the minutes and seconds before the discharge of the news. The value also can swing right away reaching price ranges faraway from the one we tend to bought and for US this is often the simplest case as a result of we will commit to shut the option, even before the natural point, achieving an instantaneous profit below the preselected one that sometimes is that the seventieth of the endowed quantity. It also can happen that the value stays inside the vary we tend to elect and during this case we tend to shut the option in loss. But, if you notice, it happens fairly often that the value is extremely unstable before the publication of a very important economic news and this can play to our advantage.

    What economic news to select?

    It is best to pick the high volatility news (3 bulls), that are people who typically produce higher volatility appreciate the Non Farm Payrolls. This news is said to the USD currency and is typically discharged on the primary Fri of every month. But, like this one, there are several others, as an instance those involving home sales, interest rates or the chairman of the Federal Reserve System speeches.

  7. A lot of options are available if you want to invest your money. But in order to get high returns, you need to do a great research. You need to find out the best investment scheme in terms of higher rate of interest for a lesser tenure in a comparison.

    However fixed deposits and MIS are nice options for your investment, SIP is something you must go with. SIP is Systematic Investment Plan is a hassle-free way of making a secure investment.

    SIP is indeed, a “Sabse Important Plan” (The Most Important Plan). It comes with some outstanding benefits such as:

    • Flexible and disciplined investment
    • Higher returns on investments
    • A convenient option

    Adarsh Credit Co-Operative Society Ltd. offers the best SIP scheme under which you get 3 options to invest:

    1) Half-yearly SIP Scheme

    Deposit a fixed amount every 6 months (2 times a year) and get a cumulative return on the date of maturity. The minimum deposit amount is Rs. 1000/- after which you may invest in multiples of Rs. 500/-. Tenure can be anything from 2, 3, 4, 5, 6 or 10 years. The premature facility is also available.

    2) Monthly SIP Scheme

    If you invest in this SIP scheme, you’d have to deposit a fixed amount every month on which a cumulative return shall be received on maturity. SIP interest rates depend upon the tenure you decide. You may invest an amount as small as Rs. 100/- every month. Premature and loan facilities are also available with it.

    3) Quarterly SIP Scheme

    The systematic investment plan can be quarterly too. According to this SIP scheme, you need to deposit a fixed installment every quarter (three months) on which the interest will be earned as per the decided tenure. SIP interest rates vary from 9% to 11% per year.

    Thank you!

  8. If we are talking about investments, here are the best options that you can follow.

    • Public Provident Fund (PPF) read more..
    • Mutual funds. Know how to invest in Mutual Funds.
    • Equity linked savings scheme (ELSS) . Know more about Invest in Equity Linked Saving Scheme (ELSS)
    • Investing in stocks. Read A quick guide to investing in emerging markets
    • Company fixed deposits (FDs) .

    These are much better compared to bank fixed deposits (FDs) because they yield a higher rate of interest. You have to select the investment period carefully because you can’t withdraw the money before maturity. Company FDs carry no insurance benefits and are not monitored by the RBI. Nonetheless they are among the best investment options in India. They have an amount of risk. Investing in good companies with a proven track record will serve your investment goals.

    • Initial Public Offering (IPO) . IPO- Value or Trap?
    • Bonds.

    If you feel uncomfortable to invest in the equity market and mutual funds, then you can invest in bonds. There are several good bonds in the market that provide a high return on investment. Bonds are regulated by the government. A 10-year bond typically offers 8% interest. Bonds, again, are a long-term investment to build wealth over time.

    • Unit Linked Insurance Plans (ULIP)

    These invest both in equity and debt market. Fluctuation is counted by the net asset value of the ULIP. But it plays a major role in the investment market.

    • Real estate

    The real estate sector is still one of the most attractive investment options, even after being hit hard by last year’s demonetisation. There are huge prospects in the leading sectors like commercial, housing, manufacturing, hospitality, retail and others. The value of property usually rises every six months and you can invest in a plot of land or flat. Real estate investments carry low risk.

    • Post Office savings

    It’s one of the safest investment instruments in India and offers the highest return. The post office monthly income scheme is immensely suitable for retired persons who want a regular income. You can park your provident fund money in a post office with absolutely no risk. But the rate of interest is pretty low.

  9. The current scenario of Indian market is dull and is heading towards a stagnant path. Investors possessing a considerable amount of money are confused about their investment options. A potential investor would look at usual options like Gold, Equities, Mutual Funds, FD’s etc. However, these do not ensure a fixed and immediate ROI (Returns on Investment).

    – Equity Market: Volatile.

    – Mutual Funds: Equity Linked.

    – Gold: Stagnant.

    – Fixed Deposits: Lesser Yield.

    A Solution to end above worries and risks lies in Pre-Leased Commercial Properties

    A Pre-leased (Pre-rented) property is a property on sale, one which has already been given on Lease to a tenant/ lessee and is deriving a monthly rent.
    The Benefits Includes:-

    The Lease deed is transferred to the buyer of the pre-leased property. – The buyer of a pre-leased property is ensured of fixed ROI (Returns on Investment) – From day one, in the form of rental yield. – The buyer can expect an appreciation value extending to up to 15-20% per year. – A “zero” waiting period for the ROI to begin. – The aim is to lease out to quality tenants, earn lease income over a 3-5 year period and subsequently exit with a moderate to high capital appreciation.

    We at Star Realty Network,

    Can help you find the Right Pre-Leased Property. With our Customer-Centric Proposals. Location: Mumbai Area. Ticket Price: Ranging From 2 – 30 Cr.
    For more Details. Contact Us.

  10. Your question is a little too broad to give a really good answer, however I would say there are three best investments.

    1. Invest in yourself. Learning new skills and advancing your education can increase your income throughout your life. You are the biggest asset you will ever invest in.
    2. Stocks. Over the long term stocks have returned an average of 7% a year. There are up years and down years and to be successful sometimes you need some patience and some grit. Remember the goal is to buy low and sell high. If the market tanks it isn’t a time to sell and protect your investment. It is a time to ramp up your investments while the market has bargains. Trying to get rich quick in the stock market is a path to losing money. If you are not able to pick stocks investing in a mutual fund or ETF is the way to go. Just avoid any fund with a load (commission) and look for funds with low expenses.
    3. Real estate is another good investment. One of the nice things about stocks is they are liquid. You can have your money in days. Real estate is not. You do need to invest time and not just money and if you are in rentals you may find what a pain in the neck tenants can be and getting a call at 3 am with a clogged toilet they want fixed now is not out of the question. If you get lucky and make good choices your investment can grow quickly in real estate.
  11. Majority of Indians while hearing the word “Investment” links it up with the shares and stock market.

    This concept of investing money in the stock market has been from the recent years and is deeply rooted in the minds of almost 90% Indians.

    With the volatility in the stock market, investment in shares can be risky at times.

    Before Investing any sum of money, the individual has to understand the few factors which includes the rate of return, number of years of investment and the amount of investment.

    Investment Forms include purchase of Property, Gold investment in Shares, Government Bonds, Mutual Funds, Fixed Deposits etc. Similarly one can invest in different forms of business eg, joint venture, partnership, LLP firms etc.

    The decrease in the fixed deposit rates, fluctuations in gold prices and the volatility in the sock market I would advice one to invest money in purchasing property which would provide return at a higher rate as compared to other sources of investment.

  12. The word "Best" is very subjective term, because the meaning of best for me may or may not be the same for you.

    The investment option can be defined in terms of
    1) Time of investment.
    2) Return
    3) Risk
    Or combination of any of the two or all three

    So if you want to get good return and that too in short span of time(I.e. 1-2 year) than you should invest in Equity Market. But in order to invest in this market you should have specific and specialised knowledge about stock market, otherwise you will end up making losses.

    Second option would be Mutual Fund, only if you are investing for more than 5 years.

    Apart from that other investment option such as PPF and FD are also available if you are not willing to take risk, but the only problem with this type of investment is that your returns are restricted.

  13. Because this question is so open ended I feel that I can only answer this in one way…

    Your best investment would be in yourself.

    Let me explain :

    There are too many variables to give you an set answer on an particular investment. Things change constantly and having the skills to be able to identify when an investment is good, when it's not worth it anymore and what type of risk they are coupled with it will be a lot more valuable for you in the long run.

    So, make sure to find courses online, go to free or paid seminars to get a better idea of things.

    Read up a lot more on things you find important, on things you know you lack and on subjects that confuse you currently but want to master.

    There isn't quick fix solutions to these types of things. If you go for a good investment but don't have the proper knowledge to identify when a good point for exit would be, what good will the investment be?

    The better you get at these things, the better type of questions you start asking that will lead you to the next level.

    Also make sure to invest in your EQ(Emotional Quotient), this is another important part that a lot of people don't focus on. With a high EQ you would be able to handle stress a lot better, not let people get you down and be able to make more steady and non emotional driven decisions.

    From there all the rest will fall into place.

    Personal growth should be at the forefront of it all, as many opportunities present itself once you can learn to handle things in a proper way.

    It's like an athlete asking what the best training is… People can give you an answer, each answer tailored to what the individual think is best, but if your sport is tennis, how is lifting weights only going to help you. Not only that, if your mindset isn't correct, even the proper training won't get you to Wimbledon, why do you think pro sports use psychologists to help athletes get to their peak?

    Work on yourself first and the rest starts falling in to place. Even your personal life.

    Hope this helps

  14. Options for investment are infinite, ranging from plain vanilla stocks/bonds to exotic options like futures/options etc.

    As for defining the best investment vehicle, the ideal investment would be a product giving highest maximum return with minimum or lowest risk possible. Unfortunately, risk and return trade-offs in the financial marketplace are proportionate, which brings to fore our conundrum of which asset class to choose, or as you have put it, the best investment option.

    Any investment option to be chosen should be seen from the context of the financial goals that needs to be achieved. Hence, the transparency on the define goal can be a critical decision factor on the required investment vehicles to be deployed (stocks/bonds/ futures/options).


    Invest Intelligently, Bid Confidently !

    Intelligent Investing in ROSCA Funds (also called Gye, Hui, Arisan, Chit, Susu, Pandero, Tanda, Cundinas)

  15. Best investments for anyone depend on a few things from the investor's point of view:

    a) Person's risk profile – Many can withstand the daily gyrations of the stock markets. I know folks who stick to a high proportion of less risky and volatile Fixed income in their portfolio.

    b) Person's Investible Assets – Not all the money you have can be invested. You need to set some aside for expenses, taxes etc. If the overall assets are small, best investments may not be growth or risky stocks. An low-cost Index ETF may be a better option.

    c) Person's Active versus Passive Involvement – Some investments, like good rental real estate, work very well if you can spare time in managing and fixing. If a person wants to be passive about their investments, they likely don't want to invest directly into highly volatile stocks and stick to more stable stocks.

    d) Person's Emotional Tenacity – Investments go up and down. And they cost commissions to buy and to sell. Emotion-driven investing can lead to huge losses and commissions. And they may fall a lot and selling may not be an option. Or they may go up a lot and person's greed may prevent taking profits.

    That said, now for some investment ideas:

    i) Good rental real estate

    ii) Blue chip stocks

    iii) Growth stocks of sound companies in growth/in-demand sectors

    iv) Mutual funds run by sharp managers

    v) Depressed assets

    vi) Good franchises bought at reasonable prices

    vii) Collectibles bought at sensible prices

    viii) Well-run (small) businesses needing capital

    ix) Peer-to-peer lending – Diversify to cut losses

    x) Growing one's skills towards better life and more pay

    Good luck.

  16. Today’s investment climate has changed allot if you compare it to the past.

    We used to have the options to single out one investment, specialize in it and earn a nice additional income through investments alone.

    However today you are almost forced to diversify your funds into several different types of investing. In this way, you filter out the bad ones and get a stable return.

    Most people divide their portfolio (or total sum they want to invest) into 3 categories:

    1. low risk low return investments, for instance a savings account, certain government bonds, all type of investments that yield between 3–10% on a yearly base
    2. Medium risk: medium return investments, buying or renting out a house or apartment, ETF’s all type of investments that yield between 10–30% on a yearly base
    3. And higher risk/high return investments, like gold/Stock market/forex etc. These investments should make a yield between 50–200% on a yearly base to cover the risks your taking.

    The amount of money you put in every risk level depends on your own taste of risk and can’t be chosen by someone else.

    I can however assist you with a high yielding type of investment, namely a software developed for the forex market that’s able to make around 5–10% on a monthly base, with a minimum deposit of 2000 euro or your preferred currency

    You can contact us through info@algofiber.com

    Or visit Home

  17. In terms of maximum dollar return, ignoring risk, a lottery ticket.
    In terms of maximum dollar return accounting for risk, an index fund.
    In terms of consistent daily satisfaction and less price sensitive, a tempurpedic mattress.
    In terms of consistent daily satisfaction and more price sensitive, a non brand name memory foam mattress at least 10 inches thick.
    In terms of benefit to humanity, knowledge.
    In terms of personal well being, discipline (to consistently maintain a care regime for yourself, to live a balanced life, etc.)
    In terms of benefit to your family, have kids.

    There are so many things and so many ways and everything has their own merits and none is supreme over the others. I find that you just need to choose a few things that are most important to you and maximize those. Everyone has their preferences.

  18. The best investments are those that payoff over the long term, such as an investment in education and knowledge.

    As far as financial investments go, the best investments are usually boring. Investing in three different index funds (domestic stock index fund, international stock index fund, and bond index fund) are those that I normally recommend. These three investments will diversify your money to avoid concentration in a particular area. They should also perform steadily over the long-term.

    If you find an investment and it appears that you will make money quickly, don’t invest. Most of the time if it looks to good to be true, it probably is.

    Aside from these types of investments, the best individual investments are those that will have a long-lasting impact on humanity. Renewable energy, for instance, will definitely have an enormous impact on the future. We do not have the technology available yet to make it a widespread, affordable solution. Not to mention the manufacturing of the high-tech batteries you see in a Tesla, causes more pollution that a normal combustion engine car would.

    Hope this helps! Good luck!

  19. Investment = classic ( not "IT", flashy; avoid monogram) + can easily mix with other things

    1. Classic bag i.e Chanel Flap , Birkin

    2. Hermes silk scarf –
    There are million ways to wear it. A easy way to add some taste to a simple outfit.

    3. Stud earring: diamond or pearl depend on your style

    4. Black pumps:
    Shoes is something worth to invest. Christian Louboutin and Jimmy Choo make amazing shoes. But do not buy them too high, mid heels are better. appropriate for work but still fashionable when you go out

    5. Little Black DressYou can't go wrong with it

    6.Trench coat – Burberry

    7. Perfect fit undergarment

    Everything should be fitted. Custom tailor would be nice.
    Look at the quality, the cut, before the brand and price.

    You can find a better deal if you look into vintage. There are amazing stuffs out there

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