Best Investment Option

[getaddicted]

Hello Friends...

I just want your views on the best investment option you would choose.. I mean where u get month returns or Atleast quaterly returns..

Supposing you got 30 to 40 lakhs.. Where would u invest which could give good returns monthly..

I know Real Estate is a good option.

Or you can say Bank FD's where this days we get around 9 to 10%..

Stock market is onething.. but dont want to risk...

Im looking for some SAFE INVESTMENTS where returns are good enough

Thank you

looking for your good replies

 

[nielsencl]

I had to look up "lakhs" and it said it was 100,000.

Asking for financial advice on a domainer forum may not be the best way to go... Perhaps a financial forums would be better?

But since you asked, I will make some comments.

"Safe" investments and good returns generally work agaist each other. The more safe an investment, the lower the return. The more risk the higher the return. Financial advisors will generally tell you to "diversify" your investments, since pretty much all investments have some level of risk. Gold, diamonds, stocks, bonds, domains, real estate, coins, movie star autographs, etc. all depend on what other people think they are worth.

You should really contact an expert financial advisor. Here in the US then charge by the hour or take a 1% fee of your investments. That may sound like a lot and it is, but if they are increasing your investments value by 7-8-9-10% a year, then it can be worth it.

 

[RCRiver]

Safest long term investment with a proven track record over the last 100 years?

FTSE index tracker

 

[Roogle]

Are there any investors inside of the United States? I'd like to hear your thoughts on the synchronicity of this type of business and investing.

 

[getaddicted]

hello,

thnks for the replies. I just posted as it was a general forum. and ever1 would love to get good investment stuff. and many ppl do investment here and there so sometimes u may come across good things. which could help otheres.

so just wanted reviews on what u all do. was looking 4 something in india. a s I'm 4rm india. but would also like to hear from every1 from all countries.

one more thing is how much % you can get for ur safe investments. just pure safe investment.

something like say bannk FD's. here in india we get around 9.5% to 10% which is good n safe..

anyother safe investment any1 knows plz share

its kinds off topic but good 4 ever1 I feel.

thank u

 

[nielsencl]

I'm interested in the bank FDs. Is that something that foreigners can invest in? 9-10% from a safe investment would be awesome.

We have a CD (Certificate of Deposit) in a Swiss bank, but I think it is about the same percentage and I'm not sure how "safe" it is.

It looks like CD rates in the US are averaging about 5-6% right now. CDs are pretty safe for the most part and may be the same thing as your FD.

 

[getaddicted]

hey neilsen..

howz u..

Yes bank Fix Deposit Pays good amount. And this are the SAFEST investment. But what i told 9.5% is Yearly....

And you can open an account just need to inquire few details

thank u

 

[jayesh]

I don't know much about investments. The admin of this forum is my friend and a great person always willing to help. Right now he is out of station gone to receive his wife. He might be back tommorow as per my phone conversation with him. He has good idea of investments and securities although he is not much literate then me, myself. If you are taking ome steps then please give me 1 or 2 days. I did mentioned this thread to him and he is coming back as soon as possible. Thanks getaddited. I am feeling good that i can be a bridge between really good peoples.

 

[Randall]

Hello Getaddicted. :grin:

I did have questions like you. Moreover I can also understand the problems it can create when you don't have much knowledge of the investments. I had been in same situations before and had to go here and there asking for tips without disclosing my own financial records to a totally unknown person. I was 24 at that time and didn't knew a thing about it.

Let's first clear the things out. You want to make investments - safe investments also want security and how about tax exemptions. :grin: Money management is also an art. Properly managed money can really make our lives easier and give us more resources to use even when we are doing business. Once you know that you cannot go poorer then the fixed amount of money then your business tactics also gain extra edge that it never had before.

If I can properly understand your question or questions then I would be glad to help you out.

Thanks.

 

[getaddicted]

hello admin ( sorry i dont know your name)

Thanks for giving up the reply..

So the Age 24 is really a confusing age for investors lol... As im also 24 now ..

The Thing is i need some kind of investment where i get monthly returns.. It should be safe investments. That money i would be putting in this investment shoul be very safe. But where i get monthly returns or atleast quaterly.

Coz the thing is im making good money through Domaining. And Thts the only thing for me. Its my biz its everything.. So The money i make i would like to put somewhere where i can a good constant income every monthly or quaterly. So supposing this Domaining turns weired some day i should be prepare of all the things and i should get constant income..

I know im disclosing it.. But its good for every one who are here.. Everyone would like to hear and give there views. So its for us only..

So what i was preparing is Is there anything where i could make around 30000 to 50000 bucks monthly through da investment.. I have good amount of capital. But Thts the only thing i have currently so dont wish 2 risk at all . i know a little risk is everywhere.. But you understand what i mean....

So thats what i was looking for.. I have onething in my mind that is Bank FD's. The % this days have gone good enough.. And around 9.5% im getting. So thts 1 thing.. Anything better than that if you know

I would like to have every1 here sharing there views. Coz we could help each other.. Being here with each other seems like a family .. So i wish every1 gets involved

Looking for replies

 

[Randall]

First of all my advice will be to get the papers in line. All the income papers. All the expenditures. Also as you are in India you will need a PAN card.

My investments are handled by Citibank. My Citibank investment relationship manager did provided me a good overview of the investments.

The perfect income that you are hoping for can be achieved. There are schemes that don't pay every month but they can pay you yearly. Lets say you are getting 600,000 per year in returns. They will be automatically forwarded in your saving account and you can withdraw 50,000 per month for next 12 months getting you a 50,000 salary per month. Moreover the saving banks account also gives 7% or around so for the next 11 months you will get some interest from the money that is sitting in your savings account. If by some chance you are not able to spend the 50,000 from your savings account then let it also be there and you can invest that money back into the capital at the end of the year. Your new 600,000 will be waiting in your account from your investments.

Now to get a return of 6 lacs per year. You might need 60 lacs at 10%

You can even get 6 lacs if the investment is giving you better returns from a capital of 40 to 50 lacs.

Some schemes that I have heard of are giving 20% to 22% returns. + Life insurance of 20 lacs + Air accident insurance of 40 lacs + they are tax exempted. I don't know they do have a long list of things in it but its good one. I did researched the market and then decided to go with citigroup.

Bank FD's are a good investment. I am also 24. Have never studied and have left the school in 10th grade. My capital right now can define that will I ever become a worker in someone's company or will I have a good life ahead of me. I have seen banks dissolve and getting bankrupt themselves. So for some security and some percentage don't risk that much money. Mutual funds, NSC certificates, Life insurance [One that gives returns] are some of the better investment choices. Also just don't go for very good investment plans. Some of my friends are repenting on their investments as they thought it would be a good one. But it only proved to be a good one for the broker who was getting his investments done :crying:

Please see that you also follow the rules of the Government. Get taxes and other things cleared first. I have 2 Chartered accountants who are my friends and I really ate their brains out :grin:

 

[nielsencl]

Good advice and NS and I have about the same amount of formal schooling... 8-|

I think if you can get 8-10% and it's safe, then you don't need to look futher. If the FDs are like our CDs here in the US, you invest a set amount like $1,000 or more and then it stays there for a set period of time like 1-5 years, then you can take the entire amount out.

In your case, what you could to is start to invest in them each month. If you invest in 12 CDs for one year each, you will start to have them mature once a month after 12 months. Then you can take out some money and then get a new CD. You could also buy 2, one for one year and one for 2 years so that you have an extended investment with CDs maturing on a regular schedule.

I do think diversity is important and you should consider having some money in other things or other countries if you can so you don't lose everything, should the worst possible thing happen.

 

[Randall]

Great idea Nielsencl.

I have also thought on this plan. I am thinking to put in some FD's so they can give me some money every month and then I can accumulate that money and make another FD :grin: So the cycle goes faster and faster and faster. hehehehehh Now the time is to focus on days. So we can make a FD on 1st then next month on 2nd and then on 3rd so on. In 18 months with 12 existing FD's and 18 new FD's the cycle will be on daily basis. Possibilities are immense :grin:

By the way, nice to know that we all are having very similar kind of education background :tongue:

 

[jayesh]

Great idea Nielsencl.

I have also thought on this plan. I am thinking to put in some FD's so they can give me some money every month and then I can accumulate that money and make another FD :grin: So the cycle goes faster and faster and faster. hehehehehh Now the time is to focus on days. So we can make a FD on 1st then next month on 2nd and then on 3rd so on. In 18 months with 12 existing FD's and 18 new FD's the cycle will be on daily basis. Possibilities are immense :grin:

By the way, nice to know that we all are having very similar kind of education background :tongue:

Yes admin it will be nice to sit on a cycle like that which is going faster
YEEEHHHAAAAA
More faster. :grinning-wink:
By the way I'm also 10th pass. :crying:

 

[getaddicted]

hello friends,

thank you for ur replies.my net is down n I'm on my pda phone. so can't type everything.

just wanted to share 1 thing I.e I'm also 10th pass. wow its good we should get together n show ppl the successful personalities without education.... lol..

FD idea is good 9.5 to 10% we get. n if we plan it perfectly with having many fds on different dates. so we could get money monhly or 15 days or something like tht. need to work on calculations n could work it out as
1 gr8 person said money management is an art. hehe.

I will workout n u also do it.

I have all my taxations cleared. paying tax from last 4+ yrs.

I will write morethings when I'm online from my pc. njoy bye.

n plz admin can I know ur name.

 

[Roogle]

What an inspiring bunch of posts.

I was looking into investing and the stock market a few months ago, but I decided that there were other skills of mine that would be worth developing and that I could go back to reading about investing and the stock market a little later. After all, you need some capital to start investing, or else you're going to depend solely on your investments for income and that would not be a good situation even with safe returns.

I will be turning 21 in July, but I figured that it was time to really buckle down and get a handle on a new skillset for my own future. Thanks for the advice, everyone.

 

[getaddicted]

Hello Everyone.

thanks for comming up with ur suggestions. Thanks admin for your good help..

I have got few ideas and i have few more ideas relate to investment plans. I would surely let u know about it. tmorrow im going to my bank and will have a talk with the executive and lets see what ideas and suggestion i get. And if i find something intresting i would let all of you know about it....

Till the time njoy.. Keep the money comming in ...