Three money making ideas for investing in 2022

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Three money making ideas for investing in 2022


Three money making ideas for investing in 2022&nbsp | &nbspPhoto Credit:&nbspiStock Images

Last two years have been good for financial markets and even cryptocurrencies. There was a record jump in number of retail equity investors and mutual fund returns surged on the back of rising markets.

Indian investors were richer by Rs 72 lakh crore in 2021, as measured by cumulative market capitalisation of all listed stocks on Indian bourses which reached Rs 260 lakh crore. The year saw benchmark Indian market barometers Sensex and Nifty reach dizzying heights.

The primary market continued to buzz with energy for the entire year with 63 companies including new-age companies such as Paytm, Zomato, Nykka, and Policybazaar raising Rs 1.2 lakh crore. This is the highest amount raised during IPOs in a given year.

Here are few money-making ideas that investors need to watch in 2022

Stocks: Good quality blue-chip or even high-quality mid-cap and small-cap stocks offer the best possible returns that are to be made if time horizon is long, typically at least 3-5 years. The Indian economy has recovered well from the pandemic and a number of reforms in various sectors will present many compounding triggers in stock prices of good quality companies over the next few years. The thumb rule of investing in stock markets states that investors hold a percentage of their overall portfolio equivalent to 100 minus their age in stocks,    

National Pension Scheme: It is a central government scheme that aims to provide a steady income to individuals after retirement. Governed by the Pension Fund Regulatory and Development Authority (PFRDA), the regulating body of pension funds in India, NPS is a hybrid investment scheme (that invests in both equity and debt). By investing in NPS you will get a fixed monthly pension till you are alive and also a lumpsum amount at the time of retirement. A subscriber can withdraw a maximum 60% of his maturity corpus from NPS as a tax-free lump sum amount and with the remaining amount he/she has to buy an annuity from a life insurance company, which on average give annuity income at an annual rate of 5-6% if you choose return of premium option.

Senior Citizen Savings Scheme: One can invest a maximum of Rs 15 lakh in SCSS in multiples of Rs 1,000. Interest in this scheme is payable each quarter so it can meet the requirement of regular income. SCSS account matures in five years after which one can extend it once for a block of three years. Despite a big reduction in the interest rates of small savings schemes, SCSS is still offering a rate of 7.4% for the current April-June quarter, much higher than any other fixed-return scheme available for senior citizens.

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