Best investment plan in india for short term

Best investment plan in india for short term

Author: Mithrandir On: 13.07.2017

Investors are always looking for investment options to park money for a while, until they need it. Their go-to option is the regular savings bank account. But there are plenty more short-term options for investors. Any investment option which is less than 5 years is considered as a short term investment.

Short term goals are set to achieve unavoidable things that are going to occur in the near future. Buying your kid a motorbike when he graduates or a luxury car for your family 3 years down the line, these are all short term goals that require short term investments. To achieve definite goals in the near future, you must not take any risk and be specific about your decisions.

Savings accounts One of the easiest and safest way to access your money is by having a savings account. The main motive here is liquidity, not that much on earning though.

You can enter and exit at any given time as these investments are secure. Try restricting throwing in your emergency funds in these, as the redemption takes around 2 days. Investors can consider liquid funds to park money for a period as little as one day to as much as 90 days or even higher.

Liquid funds invest in money market investments like call money among others. It is rare for liquid funds to see a dip in their net asset values NAV. Investors can opt for the dividend option or the growth option. Capital gains are added to income and taxed at marginal rate of taxation.

From a taxation point of view investors in the lower tax brackets are better off opting for the growth option while investors in the highest tax bracket can choose either option. Short term funds Short term funds invest in securities that mature in years. These funds are a little risky as the maturity of securities are more than ultra-short term and liquid funds.

Taxation is the same as any other debt funds. Banks offer deposits of varying time frames beginning with a minimum of 7 days. So an investor looking to park money for even a week can choose a fixed deposit with a matching tenure. While liquid funds are suitable for investment tenures of a few days, short-term mutual funds are ideal for tenures running into a few months.

Like liquid funds, short-term debt funds are managed conservatively with the explicit aim of safeguarding capital and posting modest capital appreciation. You can either use Postal RD or Bank RD, generally bank offers RD for a minimum tenure of 6 months to a maximum of 10 years.

Also, the interest received on RD is taxable. You can claim tax deduction under Section 80C of Income Tax Act, but the interest will be taxable. They are more tax efficient though and you can expect better returns than FDs. Mon-Sat 10 am to 7 pm Local Charges Applicable. DO NOT prefix any country code e. Our vision is to provide innovative and customer-centric insurance plans that can help our customers secure their family's future as well as help them with other benefits such as tax savings.

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best investment plan in india for short term

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Investors with short-term money have two primary objectives: Safety of capital Return on capital The typical investment tenure for best short term investment plans is less than 12 months. Here are some short term investment options for such investors: The interest on the deposit is added to income and taxed at the marginal rate of taxation. From a tax perspective short-term mutual funds are at par with liquid funds.

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