Currently what is the "safest" investment option in India, for 100,000 Rs. I can block the fund for 1 year.

Question

Currently what is the "safest" investment option in India, for 100,000 Rs. I can block the fund for 1 year.

Answer 1

Go in for ELSS MF Units. Markets are much down. In 1 year U will get 35% i think.

Answer 2

If safety is your first concern, then Fixed deposit with bank is the safest option.



ELSS can also be termed as a safe with option with growth too. FD is safer than ELSS as elss is Equity linked. ELSS is better option if you aim for growth too.

If you are not sure about your risk hunger, try the age-old 50-50 method... Go for FD with half the amount and ELSS with another half

Answer 3

You can put your money in Fixed deposits. You can expect an average interest of around 10% for your investment over a period of 1 year.  This is the safest form of investment, considering the way the Markets and mutual funds are behaving.

Answer 4

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Answer 5

Hi,

   The current market is in volatile condition. It will be prevalent for some more time. The safest thing will be to invest in Fixed maturity plans for 1 yr or get in to liquid funds. They don't have exposure to equities. since 1 yr is very short span for investment avoid ELSS as it has 3 yrs lock in( high equity exposure) and FD doesn't give you the flexibility. Playing safe and guarding principal is priority in your case.

Answer 6

"Safest" would imply something that has zero risk of capital erosion. Obviously Bank FDs will be the safest. And for a 1 year+ term you may get 8-9%.

However, if you can slightly higher risks with your capital, in the almost safest category would figure funds like HDFC Prudence  Mutual fund. This Mutual Fund invests in both equity (65%) and debt (35%) instruments. This is one of the safest funds with a great track record of over 14 years, and has been giving a compounding return of around 20-25% per year. This fund has one important virtue: it manages to lose less than the category average in periods of downside. Couple this with its tendency to top charts & you get a safe & sure fund in HDFC Prudence. Read more about this fund at

http://www.valueresearchonline.com/funds...

I usually opt for a Dividend Option. This February 2008 I got Rs.19032/- as dividend credit on an investment of Rs.100,000/- made in April 2007. Its track record has been very very good and you can expect anywhere between 15-20% tax free! In my opinion this is almost in the safest category:-)

Answer 7

hi,

one year is not enough for stock market at present given the weak market sentiment.

otherwise, you buy bluechip, A - group stock at every market fall and sell once you get some profit like (5 - 15 %). do this two or three times in a year.

http://vbulls.com/

all the best.

Answer 8

Put the funds in fd deposit in sbi