{"id":1126,"date":"2021-10-20T14:52:00","date_gmt":"2021-10-20T14:52:00","guid":{"rendered":"https:\/\/rakshithpai.com\/?p=1126"},"modified":"2023-12-22T13:34:27","modified_gmt":"2023-12-22T13:34:27","slug":"best-investment-plans-india-middle-class","status":"publish","type":"post","link":"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/","title":{"rendered":"Best Investment Plans in India for Middle Class 2022"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-662c3b6770772\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\" style='display:none' id=\"ez-toc-cssicon-toggle-item-662c3b6770772\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Why_Investing_is_Important\" title=\"Why Investing is Important?\">Why Investing is Important?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Factors_to_be_considered_before_investing\" title=\"Factors to be considered before investing:&nbsp;\">Factors to be considered before investing:&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#There_are_three_phases_of_investing\" title=\"There are three phases of investing:\">There are three phases of investing:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Three_qualities_to_possess_to_be_a_successful_investor\" title=\"Three qualities to possess to be a successful investor:\">Three qualities to possess to be a successful investor:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Budgeting_with_a_50-30-20_rule\" title=\"Budgeting with a 50-30-20 rule.\">Budgeting with a 50-30-20 rule.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Top_20_Best_Investment_Plans_for_Indian_Middle-Class_Population\" title=\"Top 20 Best Investment Plans for Indian Middle-Class Population:\">Top 20 Best Investment Plans for Indian Middle-Class Population:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Equity_Investment\" title=\"Equity Investment:\">Equity Investment:<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Types_of_Investing_in_the_Equity_market_Well_known_list\" title=\"Types of Investing in the Equity market (Well known list):&nbsp;\">Types of Investing in the Equity market (Well known list):&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#How_can_I_invest_in_the_Share_market_in_India\" title=\"How can I invest in the Share market in India?\">How can I invest in the Share market in India?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Public_Provident_Fund_PPF\" title=\"Public Provident Fund (PPF):\">Public Provident Fund (PPF):<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#National_Pension_Scheme_NPS\" title=\"National Pension Scheme (NPS):\">National Pension Scheme (NPS):<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Senior_Citizens_Saving_Scheme_SCSS\" title=\"Senior Citizens Saving Scheme (SCSS):\">Senior Citizens Saving Scheme (SCSS):<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Mutual_Fund_Investing\" title=\"Mutual Fund Investing:\">Mutual Fund Investing:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Sovereign_Gold_Bond_SGB\" title=\"Sovereign Gold Bond (SGB):\">Sovereign Gold Bond (SGB):<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Index_Investing\" title=\"Index Investing:\">Index Investing:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#ETF_Investing\" title=\"ETF Investing:\">ETF Investing:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Fixed_Deposit_Schemes\" title=\"Fixed Deposit Schemes:\">Fixed Deposit Schemes:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Government_Securities\" title=\"Government Securities:\">Government Securities:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Unit_Linked_Insurance_Plan_ULIP\" title=\"Unit Linked Insurance Plan (ULIP):\">Unit Linked Insurance Plan (ULIP):<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Pradhan_Manthri_Vaya_Vandana_Yojana_PMVVY\" title=\"Pradhan Manthri Vaya Vandana Yojana (PMVVY):\">Pradhan Manthri Vaya Vandana Yojana (PMVVY):<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Hybrid_Funds\" title=\"Hybrid Funds:\">Hybrid Funds:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#RBI_Bonds\" title=\"RBI Bonds:\">RBI Bonds:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Real_Estate_Investing\" title=\"Real Estate Investing:\">Real Estate Investing:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Post_Office_Monthly_Income_Scheme_POMIS\" title=\"Post Office Monthly Income Scheme (POMIS):\">Post Office Monthly Income Scheme (POMIS):<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Bullion_Investing\" title=\"Bullion Investing:\">Bullion Investing:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Savings_Account\" title=\"Savings Account:\">Savings Account:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Recurring_Deposit_Account\" title=\"Recurring Deposit Account:\">Recurring Deposit Account:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Crypto_Investment\" title=\"Crypto Investment:\">Crypto Investment:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Best_Investment_plan_for_1_year_time\" title=\"Best Investment plan for 1 year time:\">Best Investment plan for 1 year time:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Best_Investment_plan_for_5_year_time\" title=\"Best Investment plan for 5 year time:\">Best Investment plan for 5 year time:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Investment_plan_for_important_needs_of_life\" title=\"Investment plan for important needs of life.\">Investment plan for important needs of life.<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Heres_a_list_of_asset_classes_that_qualifies_both_Safety_Return\" title=\"Here\u2019s a list of asset classes that qualifies both Safety &amp; Return:\">Here\u2019s a list of asset classes that qualifies both Safety &amp; Return:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Investment_plan_for_wealth_creation\" title=\"Investment plan for wealth creation:\">Investment plan for wealth creation:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Heres_a_list_of_asset_classes_that_qualifies_both_Safety_Return-2\" title=\"Here\u2019s a list of asset classes that qualifies both Safety &amp; Return:\">Here\u2019s a list of asset classes that qualifies both Safety &amp; Return:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Conclusion\" title=\"Conclusion:\">Conclusion:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#Also_read\" title=\"Also read:\">Also read:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Investing_is_Important\"><\/span><strong>Why Investing is Important?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">India has a population of over 1.35 billion (Over 135 crores). And, the Indian middle-class population is the size of the entire US population with over 350 million (35 crores) in numbers. With income inequality on the rise, the middle-class population will bear most of the tax and other financial burdens to befall. This COVID-based pandemic has created much more financial stress on each and every individual in the middle class and lower segment of our economy.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">To overcome the issue, An individual has to have multiple sources of income. One that provides an increased standard of living. One that provides wealth over a sustained period of time. And to not only have the best investment that\u2019s well-diversified into various assets but, the same has to provide a better return that&#8217;s over and above-average inflation rate.\u00a0<\/span><\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/upstox.com\/open-account\/?f=FN1853\" style=\"border-radius:50px;color:#0f0027;background-color:#e4fa00\" rel=\"nofollow\"><strong>Open Upstox Account Now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Factors_to_be_considered_before_investing\"><\/span><b>Factors to be considered before investing:&nbsp;<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\"><strong>Financial Literacy<\/strong> &#8211; It is to own certain skills and knowledge to make one&#8217;s decision in an informed manner. Skill to manage one\u2019s personal financial matters and take prudent decisions accordingly. Especially, when it comes to equity investment. One has to have a clear understanding in regard to the <\/span><a href=\"https:\/\/rakshithpai.com\/value-investing-the-charm-of-investing\/\"><span style=\"font-weight: 400;\">equity value<\/span><\/a><span style=\"font-weight: 400;\"> he\/she purchases. Major components of being Financially literate;<\/span><\/li>\n<\/ul>\n\n\n\n<ol>\n<li><span style=\"font-weight: 400;\">High priority for savings. None has gotten rich by spending!<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Understanding various financial instruments. (Given in detail in the latter part of this article).<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Understanding how the economy works. (Stick with this website to know more).<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Disciplined investing, into <\/span><a href=\"https:\/\/rakshithpai.com\/diversified-asset-allocation-leads-to-wealth-creation\/\"><span style=\"font-weight: 400;\">diversified asset allocation<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ol>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\"><strong>Investment Time Horizon<\/strong> &#8211; It is the time period an investor expects to hold an investment before liquifying for cash. Each and every investment asset is unique, the strategy changes, and the way we see it entirely changes. So, based on one\u2019s time comfort, and investment interest. The assets he\/she wishes to own change.<\/span><\/li>\n<\/ul>\n\n\n\n<p><strong>Example<\/strong> &#8211; An individual in his\/her 20\u2019s can allocate most of his\/her portfolio into equities. But, the same is termed risky is done by someone at their retirement days. Because equity investments are always termed risky.<\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\"><strong>Risk-Return Analysis<\/strong> &#8211; The trick is to own an investment that provides maximum return with minimum risk. \u2018An investment made without risk analysis is like touching a burning wood and expecting not to get hurt.\u2019 Each and every rupee we invest is hard-earned, it\u2019s our responsibility to invest it due diligently.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>Wealth Goals<\/strong> &#8211; Every one of us has our wealth goals. Some of us dream to own certain assets at a certain age period. Wealth goal is the driving factor in investing. It gives us the courage and motivation to continue in doing what\u2019s working.&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\"><strong>Investing Strategy<\/strong> &#8211; When we say strategy, it\u2019s just how well you allocate your money to the various asset classes mentioned below. It is a guide to investing. A set of pre-written rules, a set of behavioral traits an investor possesses. Investing strategy can also be read as different ways of investing such as \u2018<\/span><a href=\"https:\/\/rakshithpai.com\/value-investing-the-charm-of-investing\/\"><span style=\"font-weight: 400;\">Value Investing<\/span><\/a><span style=\"font-weight: 400;\">\u2019 &amp; \u2018<\/span><a href=\"https:\/\/rakshithpai.com\/best-dividend-paying-stocks-in-india\/\"><span style=\"font-weight: 400;\">Dividend Investing<\/span><\/a><span style=\"font-weight: 400;\">\u2019 and many more such methods.<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"There_are_three_phases_of_investing\"><\/span><b>There are three phases of investing:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol>\n<li><b>Need-based Investing<\/b><span style=\"font-weight: 400;\"> &#8211; In this phase, investing is a need. It is something that you long for. Something that\u2019s you and can\u2019t be separated from yourself. An individual does this type of investing without any knowledge in specific. It either happens or he\/she does it as a way of life.<\/span><\/li>\n\n\n\n<li><b>Specific goal-based Investing <\/b><span style=\"font-weight: 400;\">&#8211; In this phase of investing, an individual sees value in some asset class. He\/she wants to achieve a certain wealth to own a particular asset. For example, to own a house. A goal will be set, and an individual will invest to meet the specific goal.<\/span><\/li>\n\n\n\n<li><b>Investing for Wealth creation<\/b><span style=\"font-weight: 400;\"> &#8211; This is the phase that an individual should be in. A phase that pushes you to your extreme end. One that makes you work harder and smarter to reach your required wealth. In this phase, you\u2019ll be completely into investing and see it as a way to get freedom. We call it \u201cTo seek Financial freedom\u201d.<\/span><\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Three_qualities_to_possess_to_be_a_successful_investor\"><\/span><b>Three qualities to possess to be a successful investor:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol>\n<li><span style=\"font-weight: 400;\">Conviction to hold an Investment.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Emotional discipline.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Ability to bear the risk.<\/span><\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Budgeting_with_a_50-30-20_rule\"><\/span><b>Budgeting with a 50-30-20 rule.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Allocate 50% to your needs and wants. We die once, but we live until then. Why live frugally to death when you can allocate well in a diversified investment portfolio whilst having a fruitful life? The key is to start early into investing. We all have our financial commitments, and only you can decide what\u2019s a financial obligation and what differs from the other.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">30% of your post-tax salary and other forms of income should go into your investments. The one that gives you a peaceful sleep at night for your retirement is taken care of. Invest due diligently. \u2018Every rupee saved is a rupee earned\u2019 is an old saying. It\u2019s more like \u2018Every rupee saved and invested is a rupee grown\u2019.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">The last part of your earnings, 20% should always be allocated to liquid assets. Yes, the investments made into such assets are easily available for disposal. They can be easily converted into cash and are a great form of earnings. These assets are easily convertible into currency whilst the same are value-adding assets when invested. They tend to give reasonable returns over time. Examples are bank savings account, Money market instruments, Equity &amp; debt securities (listed), etc.<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">As said, Investing in well-diversified assets will provide better returns over time. One has to seriously consider investing in a major tax-free investment pool. The below-mentioned table provides a complete list of various assets one can invest in, the time horizon for investment, and its risk-return analysis. We have also provided our remarks at the end.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Top_20_Best_Investment_Plans_for_Indian_Middle-Class_Population\"><\/span><b>Top 20 Best Investment Plans for Indian Middle-Class Population:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"su-table su-csv-table su-table-responsive su-table-alternate su-table-fixed\"><table><tr><th>Sl.no<\/th><th>Investment asset<\/th><th>Return (Expected)<\/th><th>Risk (Expected)<\/th><th>Time Horizon<\/th><th>Tax Implications<\/th><\/tr><tr><td>1<\/td><td>Direct Equity Investment<\/td><td>Relative.<\/td><td>High Risk<\/td><td>Relative.<\/td><td>Exempt upto Rs.1 lakh; Excess of which is taxable at 10%.<\/td><\/tr><tr><td>2<\/td><td>Public Provident Fund (PPF)<\/td><td>7.90%<\/td><td>No Risk<\/td><td>15 Years<\/td><td>Deductions upto Rs. 1.5 lakh u\/s 80C; Fully exempt from Tax.<\/td><\/tr><tr><td>3<\/td><td>National Pension Scheme (NPS)<\/td><td>10% - 12%<\/td><td>Low to Moderate<\/td><td>18 - 65 Years<\/td><td>Deductions upto Rs. 1.5 lakh u\/s 80C; Additional deduction Rs. 50k u\/s 80 CCD(1B).<\/td><\/tr><tr><td>4<\/td><td>Senior Citizens Saving Scheme (SCSS)<\/td><td>7.5% - 8.5%<\/td><td>No Risk<\/td><td>5 Years<\/td><td>Deductions upto Rs. 1.5 lakh u\/s 80C; Interest is fully taxable.<\/td><\/tr><tr><td>5<\/td><td>Mutual Fund Investing<\/td><td>Relative.<\/td><td>Moderate Risk<\/td><td>Relative.<\/td><td>Deductions upto Rs. 1.5 lakh u\/s 80C (Under ELSS funds). Qualifies Capital Gains tax.<\/td><\/tr><tr><td>6<\/td><td>Sovereign Gold Bond (SGB)<\/td><td>2.5% (+) Relative.<\/td><td>Low Risk<\/td><td>8 Years<\/td><td>Only Interest is taxable.<\/td><\/tr><tr><td>7<\/td><td>Index Investing<\/td><td>Relative.<\/td><td>Moderate Risk<\/td><td>Relative.<\/td><td>Qualifies Capital Gains tax.<\/td><\/tr><tr><td>8<\/td><td><a href=\"https:\/\/rakshithpai.com\/what-is-exchange-traded-fund-investing-benefits-and-features\/\">ETF Investing<\/a><\/td><td>Relative.<\/td><td>Moderate Risk<\/td><td>Relative.<\/td><td>Qualifies Capital Gains tax.<\/td><\/tr><tr><td>9<\/td><td>Fixed Deposit Schemes<\/td><td>6% - 7%<\/td><td>No Risk<\/td><td>7 Days<\/td><td>Deductions upto Rs. 1.5 lakh u\/s 80C.<\/td><\/tr><tr><td>10<\/td><td>Government Securities<\/td><td>6% - 8%<\/td><td>Low Risk<\/td><td>5 - 40 Years<\/td><td>Deductions upto Rs. 1.5 lakh u\/s 80C.<\/td><\/tr><tr><td>11<\/td><td>Unit Linked Insurance Plan (ULIP)<\/td><td>Relative.<\/td><td>Moderate Risk<\/td><td>5 Years<\/td><td>Deductions upto Rs. 1.5 lakh u\/s 80C; Additionally, the returns are exempt u\/s 10(10D).<\/td><\/tr><tr><td>12<\/td><td>Pradhan Manthri Vaya Vandana Yojana (PMVVY)<\/td><td>8%<\/td><td>Low Risk<\/td><td>Relative.<\/td><td>Not eligible for Deduction. Taxable based on slab rates.<\/td><\/tr><tr><td>13<\/td><td>Hybrid Funds<\/td><td>Relative.<\/td><td>Moderate Risk<\/td><td>Relative.<\/td><td>Deductions upto Rs. 1.5 lakh u\/s 80C. Qualifies Capital Gains tax.<\/td><\/tr><tr><td>14<\/td><td><a href=\"https:\/\/rakshithpai.com\/rbi-functions\/\">RBI<\/a> Bonds<\/td><td>7.15%<\/td><td>Low Risk<\/td><td>7 Years<\/td><td>Qualifies Capital Gains tax; Interest on bonds is fully taxable.<\/td><\/tr><tr><td>15<\/td><td>Real Estate Investing<\/td><td>Relative.<\/td><td>Moderate Risk<\/td><td>Relative.<\/td><td>Qualifies Capital Gains tax.<\/td><\/tr><tr><td>16<\/td><td>Post Office Monthly Income Scheme (POMIS)<\/td><td>6.5% - 7%<\/td><td>Low Risk<\/td><td>5 Years<\/td><td>Not eligible for Deduction. Taxable based on slab rates.<\/td><\/tr><tr><td>17<\/td><td>Bullion Investing<\/td><td>Relative.<\/td><td>Moderate Risk<\/td><td>Relative.<\/td><td>Qualifies Capital Gains tax.<\/td><\/tr><tr><td>18<\/td><td>Savings Account<\/td><td>3% - 4%<\/td><td>No Risk<\/td><td>Relative.<\/td><td>Deductions upto Rs. 10,000 u\/s 80TTA. Taxable based on slab rates.<\/td><\/tr><tr><td>19<\/td><td>Recurring Deposit Account<\/td><td>6% - 7%<\/td><td>No Risk<\/td><td>6 Months<\/td><td>Deductions upto Rs. 10,000 u\/s 80TTA. Taxable based on slab rates.<\/td><\/tr><tr><td>20<\/td><td>Crypto Investment<\/td><td>Relative.<\/td><td>High Risk<\/td><td>Relative.<\/td><td>May not be treated under Capital Gain. But, it is taxable.<\/td><\/tr><tr><td><\/td><\/tr><\/table><\/div>\n\n\n\n<p><b>Please note: <\/b><span style=\"font-weight: 400;\">The list is non-exhaustive, rates and returns may change over time.<\/span><\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/upstox.com\/open-account\/?f=FN1853\" style=\"border-radius:50px;color:#0f0027;background-color:#e4fa00\" rel=\"nofollow\"><strong>Open Upstox Account Now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Equity_Investment\"><\/span><b>Equity Investment:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">An investment is made into the equity of the company to gain ownership of shares. An investor to invest in shares becomes a shareholder of a company he\/she wishes to invest in. Each share represents a piece of the business and hence, equity investment has to be done post seeking professional advice.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Indian investors investing in the equity market are very small in percentage. Less than 2% of our population invests in the Stock Market. Compared to the United States, where over 20% of earning adults invest in the Stock market. And over 10% of Chinese investment in their Stock market. There is a huge opportunity for the next few decades for Indian Equity investors.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">The riskiest form of investing is investing in the Stock market (If done without knowledge). But, remember this, there is no asset class that can give such a good return year after year (<\/span><a href=\"https:\/\/rakshithpai.com\/value-investing-the-charm-of-investing\/\"><span style=\"font-weight: 400;\">If invested well<\/span><\/a><span style=\"font-weight: 400;\">) than equity investing.&nbsp;<\/span><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types_of_Investing_in_the_Equity_market_Well_known_list\"><\/span><strong>Types of Investing in the Equity market (Well known list):&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Value Investing.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Penny picking.<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/rakshithpai.com\/best-dividend-paying-stocks-in-india\/\"><span style=\"font-weight: 400;\">Dividend Investing<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Blue-chip pick.<\/span><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_the_Share_market_in_India\"><\/span><b>How can I invest in the Share market in India?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">PAN Card or Aadhar Card is the primary document. Own one and if you are 18+. You are eligible to open a Demat account.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Get a Demat account registered under well-known brokerage services such as \u201cZerodha\u201d, \u201cSharekhan\u201d, \u201c5paisa\u201d, \u201cUpstox\u201d and many more.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Once registered under any brokerage services, you can easily trade or invest in various listed stocks in India.<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Yes, it is that simple. Open your brokerage account under India&#8217;s top brokerage service here.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Public_Provident_Fund_PPF\"><\/span><b>Public Provident Fund (PPF)<\/b><span style=\"font-weight: 400;\">:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Most secure and reliable form of investing. With a tenure period of 15 years, it builds concentrated savings and provides over 9% interest per annum (Interest rates vary). You also get a tax deduction u\/s 80C up to a limit of Rs.1,50,000. Further, both the investment and the interest amount are well secured for they are backed by the sovereign guarantee.&nbsp; Other than PPF, the options are the Recognized Provident Fund (RPF) and the Unrecognized Provident Fund (URPF).&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">One of the well-known wealth preservers, the PPF is well recognized amongst investors. Max up your investment eligibility into PPF to gain full deductions under 80C. Any withdrawal between the first 5 years is liable for the tax. And it is suggested to maintain the PF account even after the maturity period of 15 years.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Investment into PPF is rated triple \u201cE\u201d (Exempt for the tax if invested, exempt for tax over returns earned, and exempt for tax over maturity). Small savings in such schemes are the backbone of India&#8217;s saving system. If it is provided by your employer, make full use of it. If not, check out RPF and URPF. (More into the topic will be updated in the coming days, Subscribe to the website).<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"National_Pension_Scheme_NPS\"><\/span><b>National Pension Scheme (NPS):<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">It is a savings and pension and investment scheme in one basket. Under the guidance and purview of the Pension Fund Regulatory and Development Authority (PFRDA), the amount is invested in various equity, bonds, and other assets. NPS is a government-backed asset, that allows an investor to purchase various market-linked equity &amp; debt securities.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Investment is a low-moderate risk asset. Investment into the asset can be made by any individual age ranging from 18 &#8211; 65 years. It also provides a deduction u\/s 80C up to the limit of Rs.1,50,000. And, an additional deduction u\/s 80 CCD(1B) up to the limit of Rs. 50,000. NPS provides a decent return to the investor, a comfortable return of 8% &#8211; 10% is achievable.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Senior_Citizens_Saving_Scheme_SCSS\"><\/span><b>Senior Citizens Saving Scheme (SCSS):<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">A five (V) year savings scheme is specifically available for senior citizens in India. A highly safe investment cum savings scheme that provides interest over 7.5%. It is a 5 years scheme for those individuals aged 60 years and more, the savings scheme can be extended every 3 years once upon request.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Investment or savings up of retirement cash in SCSS can provide better returns with optimum savings to senior citizens. It also provides a deduction u\/s 80C up to the limit of Rs.1,50,000. Additionally, senior citizens can claim a deduction of Rs. 50,000 u\/s 80TTB. An investment cum savings of a maximum of Rs. 15 lakh is allowed and the option to open several accounts is allowed. A relatively flexible form of savings specifically designed for the senior citizens of India. It is well-designed and highly suggested for those with spare cash to save.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mutual_Fund_Investing\"><\/span><b>Mutual Fund Investing:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Investment in Mutual funds is subject to market risk. They are Equity and debt investment asset managed by professional investors whilst providing service to the investors (not interested to invest directly into equity on their own). The returns generated are purely based on market conditions and asset allocation. Mutual fund investments are for those investors who do not possess the required expertise to invest on their own.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Although, they are relatively safer than direct equity investment. If interested to invest, one should stick with the same mutual fund for a considerable time span to gain actual wealth. A systematic investment plan (SIP), is an investment vehicle offered by Mutual funds. It is to invest in the fund at periodic intervals. A well-diversified<\/span><a href=\"https:\/\/rakshithpai.com\/diversified-asset-allocation-leads-to-wealth-creation\/\"><span style=\"font-weight: 400;\">&nbsp;asset<\/span><\/a><span style=\"font-weight: 400;\"> can provide better returns over time and consistency in SIP.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">It is to find <\/span><a href=\"https:\/\/rakshithpai.com\/value-investing-the-charm-of-investing\/\"><span style=\"font-weight: 400;\">value in the investment<\/span><\/a><span style=\"font-weight: 400;\"> we purchase. As in equity investing, we tend to find value in our purchases. The same logic is for Mutual fund investing where we find value in the way the fund manager manages the assets allocated.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Indexation benefits, (With hypothetical scenario) As an example.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">You as an investor invest in a well-diversified mutual fund in the year 2011 at a cost of Rs.10 lakh. In the year 2013, if you sell the units (Mutual funds investments are measured in units) for Rs. 12 lakh. A 20% return on investment over 3 years span. The investment return will be taxed on the indexation basis in the amount of Rs. 12 lakh as below.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Investment &#8211; Rs. 10 lakh.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">At, Rs. 10,00,000 * 852\/711 = Rs. 11,98,321,24<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Indexed cost = Rs. 10 lakh (x) 852 (2013 indexed cost of investment) \/711 (2011 indexed cost of investment) = Rs. 11,98,321,24 and the same is not taxed on the 12 lakh earned.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sovereign_Gold_Bond_SGB\"><\/span><a href=\"https:\/\/rakshithpai.com\/is-gold-investment-still-worth-the-shine\/\"><b>Sovereign Gold Bond (SGB):<\/b><\/a><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">SGBs are the government securities issued by the Reserve Bank of India (RBI) denominated in terms of Gold on a per gram basis. Instead of purchasing actual metal, which constitutes an intrinsic risk. Investors can purchase SGBs as a substitute. It is an asset to be invested in, a mode of diversification that\u2019s less risky. <\/span><a href=\"https:\/\/rakshithpai.com\/is-gold-investment-still-worth-the-shine\/\"><span style=\"font-weight: 400;\">Gold<\/span><\/a><span style=\"font-weight: 400;\"> is the best hedge against inflation.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">The bonds will be denominated in multiples of grams of Gold (In multiple of 1 gram and over). Hence, the minimum permissible investment to be made is 1 gram. A maximum of 4 kg per individual is allowed. With low risk and a comfortable return to the investor, SGB is one of the most favorable options. An interest of 2.5% per annum will be provided to the holder of SGBs. The same might be less than the Savings deposit return (3.5% &#8211; 4%), It is more favorable than actual gold purchases, and it is traded on gold price (3 business day gold price as quoted). Hence, as and when gold price increases (for it surely seems to). The SGB will quote a higher price in the coming days.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">With no TDS or Capital Gain tax at the time of maturity, only the interest part of the investment is taxed on the basis of the slab rate. The only drawback noted is it is not very flexible. While the maturity period for the investment is at 8 years. Investors can offload their holdings in SGBs at the end of their 5th year and later.\u00a0<\/span><\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/upstox.com\/open-account\/?f=FN1853\" style=\"border-radius:50px;color:#0f0027;background-color:#e4fa00\" rel=\"nofollow\"><strong>Open Upstox Account Now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Index_Investing\"><\/span><b>Index Investing:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Generally invested in various equity and fixed income-generating assets. Index investing is one of the best-known passive investing strategies. Index funds are those baskets of known companies listed, ones that are listed in the Indian stock market. Simple index investing has a pretty good chance of beating the market over the long term. And, as mentioned in Mutual fund investing. The Index fund also has to be approached as in SIP.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Index fund investing provides greater diversification and thus less volatility in earnings return. Its management charges are minimum comparatively. Well, known indexes in India are; NIFTY &amp; SENSEX. Risk is moderately relative for it is highly based on market conditions.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">It is a list of well-established stocks and known bonds put together. Index investing is a passive form of investing, without much active participation. With much lower maintenance costs and lower taxes. It is one of the best ways for asset diversification. One can consider investing via an Index.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ETF_Investing\"><\/span><b>ETF Investing:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Known as Exchange Traded Fund, The ETF is traded on the stock exchange with an underlying asset. A basket of securities, be it equity or debt. Traded actively on the stock exchange. A basket of stocks &amp; debt instruments. Where Index investing can be much similar to Mutual fund investing. We can compare an ETF to individual stocks.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Nifty is a set of well-established companies in various sectors. Nifty stands for the top 50 Indian companies, they can be said to be the market leaders amongst their peers. Wherein, the ETF replicates the Nifty companies with sectoral weightage and investment accordingly. Hence, the ETF correlates more with the Index on which it&#8217;s based. Risk is moderately relative for it is highly based on market conditions.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Fixed_Deposit_Schemes\"><\/span><b>Fixed Deposit Schemes:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">A Financial instrument is provided by banking and financial institutions such as NBFCs, Housing Finance Companies, Cooperative banks, and such institutions. FDs are a form of savings that provides a better rate of return for a longer period of committed savings. Although the FD ranges from 7 days to several years. The key aspect is one cannot break the deposit in between the maturity without paying a penalty.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">The Fixed Deposit is the safest form of investment with a return ranging from 6% to over 7.5%. Easily beating Inflation in India. But, It does not help one to create the required amount of wealth.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Inflation average rate = 6% &#8211; 7% on an annual basis.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">FD return = 6% &#8211; 7.5% on an annual basis.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">To the max, an individual can break even net earnings in real money of over 0.5% to 1% on an annual basis. Which will never provide for optimum wealth.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">To overcome this, emergency savings in the FD can be suggested. But, the same cannot be considered as an investment asset class for wealth creation. Various tax-saving fixed deposit schemes are eligible for deductions u\/s 80C up to a maximum of Rs. 1,50,000.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Government_Securities\"><\/span><b>Government Securities:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">A low-risk investment asset class, issued by the Indian government issued primarily to raise funds via RBI-issued bonds and security instruments. The Treasury bills or bonds issued by the RBI are a form of debt obligations by the GOI, to be settled upon maturity. A low-risk investment option provides a better return to the investors at much stronger safety or security, which is what investors wish for. With a return of 6% &#8211; 8% on an annual basis, with a 100% credit risk-free investment option. G-Sec is a better option for investors.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">A better form of Fixed deposit, the government securities provide options to park one\u2019s amount in the asset for 5 years to 40 years. Offering better rates of return to the investors. The G-Sec is a much more favorable option than any FD. Although packed with some amount of market risk, the G-Secs might not be as safe as Fixed Deposit.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Government securities with a maturity period of less than 1 year are called Treasury bills (T-Bills) and those with a maturity period of over 1 year are called Bonds. You can invest directly into government securities, via <a href=\"https:\/\/rakshithpai.com\/zerodha-review\/\">Zerodha<\/a> coinbase.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Open an account in Zerodha and start your investment.&nbsp;&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Unit_Linked_Insurance_Plan_ULIP\"><\/span><b>Unit Linked Insurance Plan (ULIP):<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">A unit-linked Insurance-based investment plan. Best suited for those individuals who long for such an asset that is insurance-centric. Amounts deposited and invested under such plans are invested into various bonds and other equity and debt-oriented securities. Under the ULIP, an investor will not only get a diversified investment portfolio managed by professionals. He\/She will also get insurance benefits.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">ULIP is a passive investment scheme, much like a mutual fund and index fund investing. An investor has to be consistent in his\/her contribution over a sustained period of time to own a well-diversified asset. A well-suited plan for individuals with a long-term view of investing.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">As far as tax benefits are concerned, The ULIP provides deductions of up to Rs. 1.5 lakh u\/s 80C. And additionally, the returns (the entire amount at the maturity period) are exempt u\/s 10(10D). An investment made will provide around 10X life coverage benefits (May vary with rates).&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\"><strong>Example of Life coverage benefits;<\/strong><\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Suppose an individual invests at a premium of Rs. 1,00,000 into the asset. He\/She can expect an insurance life coverage of over Rs. 10,00,000.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Along with this, tax benefits and additional deductions can provide a great way of a savings-investment plan for any middle-class individual. A better return providing assets with double tax benefits and safety for life is the best option available. The only drawback under this asset class is that it has a lock-in period of 5 years. Hence, it is a pure long-term asset.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pradhan_Manthri_Vaya_Vandana_Yojana_PMVVY\"><\/span><b>Pradhan Manthri Vaya Vandana Yojana (PMVVY):<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">A LIC-linked investment opportunity specifically designed for aged individuals, senior citizens in India can invest in this investment option and expect an annual interest of 7% &#8211; 8.5%. The uniqueness of this scheme is that it accepts a lump sum investment to be made that ranges from Rs. 1.5 lakh to over Rs. 7.5 lakh. Likewise, a regular interest income can vary from Rs. 1k to Rs. 5k per month. The subscribers will get an assured pension based on a guaranteed rate of return of 8% per annum, receivable monthly.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">A one-time investment scheme that provides regular interest income for over 10 years. It is a low-risk asset specifically designed for senior citizens. It is not eligible for deduction u\/s 80. And the entire interest income is taxable based on slab rates.<\/span><\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-4 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/upstox.com\/open-account\/?f=FN1853\" style=\"border-radius:50px;color:#0f0027;background-color:#e4fa00\" rel=\"nofollow\"><strong>Open Upstox Account Now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Hybrid_Funds\"><\/span><b>Hybrid Funds:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">As the word suggests, it is a hybrid investment asset vehicle. A mix between two or more asset classes such as equity, debt bonds, and others. A type of balanced fund. Because of their diversification, Hybrid funds are better than equity-focused funds when in terms of safety. The high volatility in the market is saved due to bond concentration. It is a pure game of asset allocation.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Highly suggested for investment at times when the market is a bit shaky and volatile. Any individual who prefers a safer form of investment can turn to hybrid funds. Where the allocation can be at 50-50, 60-40, or otherwise into equity &amp; debt. An ELSS (Equity Linked Savings Scheme) allows an individual to claim deductions u\/s 80C at Rs. 1,50,000.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"RBI_Bonds\"><\/span><b>RBI Bonds:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Also known as RBI Floating Rate Savings Bonds is one of the safest forms of investing in RBI-authorized bonds. These bonds will provide an annual interest income of 7.15% on a semi-annual basis (June &amp; December). The income earned is non-cumulative. The interest earned is directly transferred into your savings account. The bonds are issued by the banks and they carry a maturity period of 7 years.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Those with a long-term view of investing with a safe and steady expectation of return can invest in such bonds to earn a reasonable income of 7.15% per annum. As mentioned, the rates are floating. If the National Savings Certificate (NSC) rates increase, the rate to reflect on the RBI bonds rate with a difference of 35 basis points. I.e, the RBI rate is 0.35% higher than the NSC scheme. Interest income on bonds is fully taxable.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Real_Estate_Investing\"><\/span><b>Real Estate Investing:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">One type of investing that I need not explain much. Each of us dreams of owning a piece of land and investing in the same is known as real estate investing. Investing in such an asset refers to the purchase, ownership, and management of land on a sale or rental basis for profit. (More into Real estate investing will be in the coming articles. Subscribe for more).&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Post_Office_Monthly_Income_Scheme_POMIS\"><\/span><b>Post Office Monthly Income Scheme (POMIS):<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">A government-backed savings scheme issued via a post office savings account. The scheme allows investors to set aside and save a certain amount of income every month. The rate of interest is much higher than that of bank savings. It is one of the few schemes that provide an opportunity for each and every age group of investors to own a savings account that provides monthly income.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Any individual can deposit a lump sum amount of Rs. 1 thousand to a maximum ofRs.4.5 lakh. The same shall be deposited into the scheme for a tenure of 5 years. And, the savings account shall provide interest income to the investor at a rate of 6.5% &#8211; 7% (rates shall vary) credited monthly calculated based on the annually. No such tax deductions are provided and the interest income shall be taxable as per the slab rate applicable (Tax exemption available for senior citizens only).<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bullion_Investing\"><\/span><b>Bullion Investing:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Investing in precious metals is known as bullion investing. <\/span><a href=\"https:\/\/rakshithpai.com\/is-gold-investment-still-worth-the-shine\/\"><span style=\"font-weight: 400;\">Purchase of Gold<\/span><\/a><span style=\"font-weight: 400;\"> and Silver coins, bars, and other minted metals for investment purposes. Purely based on the market price of gold and silver (excluding making charges), these investments are a perfect hedge against inflation if done over a long period of time. When investing, an individual has to not consider the design and markings of the asset but purely invest based on the base metal quality and quantity.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">It is a defensive strategy used by various veteran investors. Who suggests holding the precious metals in one&#8217;s portfolio at an average of 10% in the entire holdings?<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Savings_Account\"><\/span><b>Savings Account:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Bank savings accounts are maintained under the regulations of the banking Act 1949. It is a simple saving and withdrawal account with regulated access. Provides an interest income of 3% &#8211; 4% on an annual basis. The interest income is eligible for deductions up to Rs. 10,000 u\/s 80TTA. And, excess income is taxable based on slab rates.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/rakshithpai.com\/wp-content\/uploads\/2020\/08\/Savings-quote-300x169.jpg\" alt=\"Savings quote\" class=\"wp-image-1287\" srcset=\"https:\/\/rakshithpai.com\/wp-content\/uploads\/2020\/08\/Savings-quote-300x169.jpg 300w, https:\/\/rakshithpai.com\/wp-content\/uploads\/2020\/08\/Savings-quote-1024x576.jpg 1024w, https:\/\/rakshithpai.com\/wp-content\/uploads\/2020\/08\/Savings-quote-768x432.jpg 768w, https:\/\/rakshithpai.com\/wp-content\/uploads\/2020\/08\/Savings-quote-1536x864.jpg 1536w, https:\/\/rakshithpai.com\/wp-content\/uploads\/2020\/08\/Savings-quote-2048x1152.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Recurring_Deposit_Account\"><\/span><b>Recurring Deposit Account:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">A special kind of term deposit scheme is offered by the banks. Individuals with regular monthly income can choose this option to avail of better interest income over savings. The savings tenure shall vary on the individual&#8217;s needs and interest income shall be over 6% on an annual basis. The interest income is eligible for deductions up to Rs. 10,000 u\/s 80TTA. And, excess income is taxable based on slab rates.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Crypto_Investment\"><\/span><a href=\"https:\/\/rakshithpai.com\/bitcoin-the-next-global-currency\/\"><b>Crypto Investment<\/b><\/a>:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Cryptocurrencies are digital assets that people use as online investment assets. A high-risk investment, for it, is under its speculative stage. Crypto investment has provided a better return than any other asset class for the past decade. Although, many of the details are not provided in regards to its acceptability in the Indian market. The RBI ought to come up with plans for Crypto technology.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Under Crypto technology, <\/span><a href=\"https:\/\/rakshithpai.com\/bitcoin-the-next-global-currency\/\"><span style=\"font-weight: 400;\">bitcoin investing<\/span><\/a><span style=\"font-weight: 400;\"> is well-known among the investing community. It is well accepted for it takes over 75% of the entire market share. If it succeeds to overcome the current phase of the pullback. <a href=\"https:\/\/rakshithpai.com\/wazirx-review\/\">Bitcoin<\/a> can easily be the best asset class to be invested in. Although, the entire investment into Crypto is not well guided by the Indian authorities. The tax shall be chargeable for an annual income of over Rs.10 lakh to be charged at 20% &#8211; 30%.\u00a0<\/span><\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-5 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/upstox.com\/open-account\/?f=FN1853\" style=\"border-radius:50px;color:#0f0027;background-color:#e4fa00\" rel=\"nofollow\"><strong>Open Upstox Account Now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_Investment_plan_for_1_year_time\"><\/span><strong>Best Investment plan for 1 year time:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"su-table su-csv-table su-table-responsive su-table-alternate su-table-fixed\"><table><tr><th>Sl.no<\/th><th>Investment asset<\/th><th>Return (Expected)<\/th><th>Risk (Expected)<\/th><th>Time Horizon<\/th><\/tr><tr><td>1<\/td><td>Direct Equity Investment<\/td><td>Relative.<\/td><td>High Risk<\/td><td>Relative.<\/td><\/tr><tr><td>2<\/td><td>Mutual Fund Investing<\/td><td>Relative.<\/td><td>Moderate Risk<\/td><td>Relative.<\/td><\/tr><tr><td>3<\/td><td>Index Investing<\/td><td>Relative.<\/td><td>Moderate Risk<\/td><td>Relative.<\/td><\/tr><tr><td>4<\/td><td>ETF Investing<\/td><td>Relative.<\/td><td>Moderate Risk<\/td><td>Relative.<\/td><\/tr><tr><td>5<\/td><td>Fixed Deposit Schemes<\/td><td>6% - 7%<\/td><td>No Risk<\/td><td>7 Days<\/td><\/tr><tr><td>6<\/td><td>Savings Account<\/td><td>3% - 4%<\/td><td>No Risk<\/td><td>Relative.<\/td><\/tr><tr><td>7<\/td><td>Recurring Deposit Account<\/td><td>6% - 7%<\/td><td>No Risk<\/td><td>6 Months<\/td><\/tr><tr><td><\/td><\/tr><\/table><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_Investment_plan_for_5_year_time\"><\/span><strong>Best Investment plan for 5 year time:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"su-table su-csv-table su-table-responsive su-table-alternate su-table-fixed\"><table><tr><th>Sl.no<\/th><th>Investment asset<\/th><th>Return (Expected)<\/th><th>Risk (Expected)<\/th><th>Time Horizon<\/th><\/tr><tr><td>1<\/td><td>Direct Equity Investment<\/td><td>Relative.<\/td><td>High Risk<\/td><td>Relative.<\/td><\/tr><tr><td>2<\/td><td>Senior Citizens Saving Scheme (SCSS)<\/td><td>7.5% - 8.5%<\/td><td>No Risk<\/td><td>5 Years<\/td><\/tr><tr><td>3<\/td><td>Mutual Fund Investing<\/td><td>Relative.<\/td><td>Moderate Risk<\/td><td>Relative.<\/td><\/tr><tr><td>4<\/td><td>Sovereign Gold Bond (SGB)<\/td><td>2.5% (+) Relative.<\/td><td>Low Risk<\/td><td>8 Years<\/td><\/tr><tr><td>5<\/td><td>Index Investing<\/td><td>Relative.<\/td><td>Moderate Risk<\/td><td>Relative.<\/td><\/tr><tr><td>6<\/td><td>ETF Investing<\/td><td>Relative.<\/td><td>Moderate Risk<\/td><td>Relative.<\/td><\/tr><tr><td>7<\/td><td>Fixed Deposit Schemes<\/td><td>6% - 7%<\/td><td>No Risk<\/td><td>7 Days<\/td><\/tr><tr><td>8<\/td><td>Unit Linked Insurance Plan (ULIP)<\/td><td>Relative.<\/td><td>Moderate Risk<\/td><td>5 Years<\/td><\/tr><tr><td>9<\/td><td>Post Office Monthly Income Scheme (POMIS)<\/td><td>6.5% - 7%<\/td><td>Low Risk<\/td><td>5 Years<\/td><\/tr><tr><td>10<\/td><td>Recurring Deposit Account<\/td><td>6% - 7%<\/td><td>No Risk<\/td><td>6 Months<\/td><\/tr><tr><td><\/td><\/tr><\/table><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Investment_plan_for_important_needs_of_life\"><\/span><strong>Investment plan for important needs of life.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Accumulating enough wealth to have a sustainable life at retirement times. We work to create sufficient wealth to make ends meet. Unfortunately, our entire life passes by and not much wealth could be created. Is it because of an intrinsic issue in our society and the way the governing policies are drafted? Is it something that hurts the middle class and the lower part of our economy the most? Why is it that the middle-class people in our society have to work their entire life but, but the same is not reflected in their wealth? Some hard questions are to be answered by each of us.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">To create wealth is another thing. Why don\u2019t we look at those aspects that can provide a better life than we already have? One that provides a steady income. One that provides safety and security to our deposits.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Heres_a_list_of_asset_classes_that_qualifies_both_Safety_Return\"><\/span><strong>Here\u2019s a list of asset classes that qualifies both Safety &amp; Return:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Public Provident Fund.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Senior Citizens Saving Scheme.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Mutual Fund Investing.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Unit Linked Insurance Plan.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Recurring Deposit Account.<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Investment_plan_for_wealth_creation\"><\/span><strong>Investment plan for wealth creation:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">When we see wealth creation as our goal for investing, our investment asset class, the time horizon and the strategy to be used will change. One cannot become rich just by saving. To create optimum wealth, One should invest, the investment into diversified asset classes provides optimum wealth creation. Before investing, an investor has to consider the two important aspects of I.e Safety &amp; Returns. One that qualifies both aspects will provide for wealth. In order to gain the required safety, we might settle for a lesser return. Likewise, to own more return. An individual might compromise with lesser safety.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Heres_a_list_of_asset_classes_that_qualifies_both_Safety_Return-2\"><\/span><strong>Here\u2019s a list of asset classes that qualifies both Safety &amp; Return:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Equity Mutual Funds.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">National Pension Scheme.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Sovereign Gold Bond.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">RBI Bonds.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Post Office Monthly Income Scheme.<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><b>Conclusion:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Why do we invest? Isn\u2019t it to serve our basic needs? Or is it something more?&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">The investment made has to provide a sense of relief and satisfaction. We invest in Children&#8217;s education, marriage expenses, Family tour, Owning a house, and much more. It\u2019s a step closer to the fulfillment of our dreams. A goal that we seek to achieve, one that gives the right amount of safety &amp; satisfaction.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">The most important goal of any investment is to provide an above-average return on investment. An investment return that beats the inflation rate. Investment in various assets leads to a well-diversified investment allocation that not only provides a better return over time, the same is also under a lesser risk horizon. The trick is to Save, Invest, and Repeat into a well-diversified asset class.\u00a0<\/span><\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-6 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/upstox.com\/open-account\/?f=FN1853\" style=\"border-radius:50px;color:#0f0027;background-color:#e4fa00\" rel=\"nofollow\"><strong>Open Upstox Account Now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Disclaimer:<\/strong> All the information on this website is published in good faith and for general information purposes only.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Also_read\"><\/span><strong>Also read:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><a href=\"https:\/\/rakshithpai.com\/diversified-asset-allocation-leads-to-wealth-creation\/\" target=\"_blank\" rel=\"noreferrer noopener\">Diversified asset allocation leads to wealth creation.<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/rakshithpai.com\/capitalist-democracy-the-new-india\/\" target=\"_blank\" rel=\"noreferrer noopener\">Capitalist Democracy &#8211; The new India<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/rakshithpai.com\/value-investing-the-charm-of-investing\/\" target=\"_blank\" rel=\"noreferrer noopener\">Value Investing &#8211; The charm of Investing:<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/rakshithpai.com\/bitcoin-the-next-global-currency\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bitcoin &#8211; The next Global currency?<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/rakshithpai.com\/best-dividend-paying-stocks-in-india\/\" target=\"_blank\" rel=\"noreferrer noopener\">15 Highest Dividend Paying Stocks &#8211; 2020<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Why Investing is Important? India has a population of over 1.35 billion (Over 135 crores). And, the Indian middle-class population is the size of the entire US population with over 350 million (35 crores) in numbers. With income inequality on the rise, the middle-class population will bear most of the tax and other financial burdens [&hellip;]<\/p>\n<div class='heateor_sss_sharing_container heateor_sss_vertical_sharing heateor_sss_bottom_sharing' style='width:44px;right: -10px;top: 100px;background-color: Dark Blue' data-heateor-sss-href='https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/posts\/1126'><div class=\"heateor_sss_sharing_ul\"><a aria-label=\"Facebook\" class=\"heateor_sss_facebook\" href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Frakshithpai.com%2Fwp-json%2Fwp%2Fv2%2Fposts%2F1126\" title=\"Facebook\" rel=\"nofollow noopener\" target=\"_blank\" style=\"font-size:32px!important;box-shadow:none;display:inline-block;vertical-align:middle\"><span class=\"heateor_sss_svg\" style=\"background-color:#0765FE;width:40px;height:40px;margin:0;display:inline-block;opacity:1;float:left;font-size:32px;box-shadow:none;display:inline-block;font-size:16px;padding:0 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Diversified asset allocation leads to wealth creation.","breadcrumb":{"@id":"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#primaryimage","url":"https:\/\/rakshithpai.com\/wp-content\/uploads\/2020\/08\/Investment-Plan.jpg","contentUrl":"https:\/\/rakshithpai.com\/wp-content\/uploads\/2020\/08\/Investment-Plan.jpg","width":2240,"height":1260,"caption":"Investment plans for Middle class Indians"},{"@type":"BreadcrumbList","@id":"https:\/\/rakshithpai.com\/best-investment-plans-india-middle-class\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/rakshithpai.com\/"},{"@type":"ListItem","position":2,"name":"Best Investment Plans in India for Middle Class 2022"}]},{"@type":"WebSite","@id":"https:\/\/rakshithpai.com\/#website","url":"https:\/\/rakshithpai.com\/","name":"","description":"Save - Invest - Repeat","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/rakshithpai.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/rakshithpai.com\/#\/schema\/person\/5a10929466befdcdb3013e5341aeb693","name":"Rakshith Pai","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/rakshithpai.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/34b7459182e8fb8b80ca20098eb1e8a9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/34b7459182e8fb8b80ca20098eb1e8a9?s=96&d=mm&r=g","caption":"Rakshith Pai"},"description":"An Investor, Entrepreneur by profession, and an Economist (Monetarist) by passion. Professional Investor in Equities and other assets. Here to spread the concept of \u201cSane Investing\u201d.","sameAs":["https:\/\/rakshithpai.com","https:\/\/www.facebook.com\/Iam.Mrpai","https:\/\/www.instagram.com\/iam_mrpai","https:\/\/www.linkedin.com\/in\/iam-mrpai","https:\/\/in.pinterest.com\/Iam_MrPai","https:\/\/x.com\/Iam_MrPai","https:\/\/www.youtube.com\/channel\/UC3vfc8G1sysZleCAKbytRFQ?view_as=subscriber"],"url":"https:\/\/rakshithpai.com\/author\/mrpai27\/"}]}},"uagb_featured_image_src":{"full":["https:\/\/rakshithpai.com\/wp-content\/uploads\/2020\/08\/Investment-Plan.jpg",2240,1260,false],"thumbnail":["https:\/\/rakshithpai.com\/wp-content\/uploads\/2020\/08\/Investment-Plan-150x150.jpg",150,150,true],"medium":["https:\/\/rakshithpai.com\/wp-content\/uploads\/2020\/08\/Investment-Plan-300x169.jpg",300,169,true],"medium_large":["https:\/\/rakshithpai.com\/wp-content\/uploads\/2020\/08\/Investment-Plan-768x432.jpg",768,432,true],"large":["https:\/\/rakshithpai.com\/wp-content\/uploads\/2020\/08\/Investment-Plan-1024x576.jpg",1024,576,true],"1536x1536":["https:\/\/rakshithpai.com\/wp-content\/uploads\/2020\/08\/Investment-Plan-1536x864.jpg",1536,864,true],"2048x2048":["https:\/\/rakshithpai.com\/wp-content\/uploads\/2020\/08\/Investment-Plan-2048x1152.jpg",2048,1152,true],"web-stories-poster-portrait":["https:\/\/rakshithpai.com\/wp-content\/uploads\/2020\/08\/Investment-Plan.jpg",640,360,false],"web-stories-publisher-logo":["https:\/\/rakshithpai.com\/wp-content\/uploads\/2020\/08\/Investment-Plan.jpg",96,54,false],"web-stories-thumbnail":["https:\/\/rakshithpai.com\/wp-content\/uploads\/2020\/08\/Investment-Plan.jpg",150,84,false]},"uagb_author_info":{"display_name":"Rakshith Pai","author_link":"https:\/\/rakshithpai.com\/author\/mrpai27\/"},"uagb_comment_info":8,"uagb_excerpt":"Why Investing is Important? India has a population of over 1.35 billion (Over 135 crores). And, the Indian middle-class population is the size of the entire US population with over 350 million (35 crores) in numbers. With income inequality on the rise, the middle-class population will bear most of the tax and other financial burdens&hellip;","_links":{"self":[{"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/posts\/1126"}],"collection":[{"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/comments?post=1126"}],"version-history":[{"count":32,"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/posts\/1126\/revisions"}],"predecessor-version":[{"id":8141,"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/posts\/1126\/revisions\/8141"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/media\/1282"}],"wp:attachment":[{"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/media?parent=1126"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/categories?post=1126"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rakshithpai.com\/wp-json\/wp\/v2\/tags?post=1126"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}