Investment options in India are plenty. Investing money ultimately depends on the risk appetite of the person who is investing. There are so many options and it is difficult to choose the best one because most of them are giving good returns. Some good investment options are given below.

Bank Fixed Deposits (FD):

Fixed Deposit or FD is a good investment option today. It gives up to 8.5% annual return and depends on the bank and period of investment. Minimum period is 15 days and maximum 5 years and above. Senior citizens get special interest rates for Fixed Deposits. This is considered to be a safe investment because all banks operate under the guidelines of the Reserve Bank of India.

Stock Market:

Investing in share market is another investment option to get more returns. But share market investment depends on market conditions. Higher risk will get you higher returns. Before investing you should have a good knowledge about its operation.

Mutual Funds:

Mutual Fund is a type of collective investment method by which many people deposit their money in a fund and invest in various securities like stock, bonds or cash investments to get good returns. For individual investors it is very easy type of investment because someone else manages their funds, takes care of accounts and invests money over many different available securities.

National Saving Certificate (NSC):

NSC is a safe investment related with the Government. Lock in period is 6 years. Minimum amount is Rs100 and there is no upper limit. You get 8% interest calculated twice a year. NSC comes under Section 80C, so you will get an income tax deduction up to Rs 1, 00,000.

Gold:

Gold has been the perfect tool to beat inflation. Real estate and shares beat gold on capital appreciation. Real estate and shares have given returns of about 11% over inflation since 1979 (the year the index called Sensex was formed). But as a short term investment option, however, gold is a very strong investment tool, compared to shares which are highly volatile. Gold does not carry much risk at least in India, as we hardly see deflation in the gold price. Liquidity option in gold is always 100%, compared to all other investments. At any period of time gold can be converted into cash.

Real estate:

Real Estate in India is one of most successful investments in the last few years of Indian history. Indian real estate has huge potential demand in almost every sector like commercial, educational, housing, hospitality hotels, retail, manufacturing, healthcare etc. Real Estate industry in India has reached a highest point at this period. It has been opened to foreign investors also. This is the reason why many foreign investors are investing huge amounts of money in this sector and making sizeable profit.

Equity:

Those who have the appetite to take risk they always can invest in equity market. Equity market is also a good way to beat inflation. It is very difficult to neglect the enormous profits, which have been earned by the investors in the equity investment market of India over past few years. There are several interesting and new areas, where venture capital and private equity firms are looking aggressively to enjoy the advantages.