Best Investment Option for Middle Class ppt
                     Best Investment Option for Middle Class
Having professional people and business people in the middle class Compare
w Inesllu aras nthce iPr lfanmsi laiess, the middle class lies between the high class and the 
wInovreksitningg c loapstsi.ons available to middle class families are diverse. The most 
effective way to
achieve financial goals is to create a good investment plan that is systematically 
dimurpilnegm tehnet epderiod of time that one has set for himself or 
herself.
In India, there are some options available but before investing you should 
few facctornss tidheart  acan help you in taking a well-informed 
dec1is.i oLniquidity 
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There are two types of investment options 
ava●ilabLloew:  risk investment 
● oHpigtiho nrissk investment 
options
Low risk investment options
1. Public Provident 
fund:
· One of the highly secured options developed to encourage the 
cultsuarvei nogfs among the citizens of the 
· cIot uisn tar yl.ong-term investment plan run by the government of India 
whoin i nfivxesdt sincome 
· sInevceusrittiinegs .in this type of account allows investors to earn 
mulrtaipteles  ionnte arcecsut mulated funds, and interest earned is tax-free 
· aPsP Fw aecllc.ounts can also be opened in post offices and banks for as 
littleR sa.s1000
· .A 15-year lock-in period is included with the PPF. The money 
canw bitehdrawn after the 6th year, however. Further renewals for five 
ayevairlsa balre to the 
investor.
2. Senior Citizen savings scheme:
· The goal is to provide a regular income to the senior citizens of 
the wchoou natrrey above the age of 60 
· yAelsaor sa.ll those who took voluntary retirement between the age of 
55-6ar0e y ienaclrusded in this 
· sTchhise msceh.eme is available all over the country in post offices and 
certbifiaendks
· .The key features 
are:
a. The lock-in period is 5 years.
b. The minimum amount to start this scheme is 
c. RTsh.e 1 m00a0x.imum investment limit that is permissible is 
d. TRhse1 5s,c0h0e,m00e0 .can be further extended by 3 years.
e. This is a short term investment as compared to a PPF 
account.
3. Fixed 
Deposits:
· The simplest and the traditional form of investment among the 
midpdolep ucllatsiosn of our 
· cIfo yuonutr ya.re looking for a low risk investment option, then fixed e
depsoasfietss ta re th
· oCputriroenn.tly, a rate of interest that is being offered on this 
schaepmpero ixsimately 6% per 
· aPnenoupmle .prefer to invest in this scheme as the interest rate is higher 
thano ft ah astavings 
· aTchceo munati.n attractions 
a. The retuarrnes: are provided at the time of maturity.
b. Fds come with cumulative and non-cumulative investment options.
c. The investor can take advantage of this low risk 
quarteinrlvye, stemmein-atn onputaiollny or yearly in the cumulative 
d. The exemptionssc hliemmites. are on the higher side for senior citizens.
e. The interest rate varies from bank to bank across cities and the tenure is also 
considtaekraetnio int ion the interest 
rate.
4. National Pension Scheme 
(NPS)
· NPS is a retirement plan for Indian citizens between 18-65 
y· eaTrsh eo fa attgreib.utes of this scheme 
are:
a. The investor is allowed to withdraw 60% of the total 
investeadmount which is a tax-free 
b. Tchoer p4u0s%.  of the capital is received as regular income 
from thPension Fund Regulatory and Development 
c. TAhuitsh o4r0i%ty .helps in the maintenance of a cash flow 
througheonutti rteh peost retirement 
d. Thpise risio odn. e of the best long term investment options 
whichy hoeul pins tax-saving. Buy Insurance 
Policy Online
HIGH RISK INVESTMENT OPTIONS FOR MIDDLE CLASS FAMILY
1. Equity Mutual Fund:
· The idealistic market linked investment plan for our 
a· amIt  aisa damn ii.nvestment option with high returns which can also 
oveirncfloamtieo
· nT.he investor has several options like large, mid, small caps 
or infudnedxs or a combination of funds to 
· iEnavcehs ti ninv.estment option is designed to protect your 
capgiteanl earnadte a stable 
· rMeotusrtnly. there are asset management companies that 
manparogfiel ey.o Tuhrese companies invest in government securities, 
tbriellas,s ugroyvernment bonds and other market 
tools.
2. Unit Linked investment plan (ULIP):
· These plans offer a double benefit which is insurance and 
inveins tam seingt le 
· pTlhains .is a very good investment option as it offers 
imporne sisnives rtetdu ranmsounts but risk is also 
· hEiagchh. policy or plan is divided into 
parts
a. One part is saved for insurance purposes
b. Second part is used to float in the market as linked 
instruments.
· ULIP plans have a minimum of 3 to 5 years of lock-in 
peryioodu  wchanerneot withdraw any 
· aFmurothuenrt .the investors get a tax 
e· xeYmoupt hioanv.e to take note that ULIP plans have a complicated 
struecxtpueren doifture which a middle class person cannot 
understand easily.
3. Direct 
Equity:
. If you are looking to invest for a long term then direct 
equpiteyr fies ctth oeption for 
· yTohuis. type of high risk plan offers good returns if you invest for 
a lotnimger
· eW. ith the additional benefit of owning the rights in an 
orgainnvizeasttoiorn i,s  tehnetitled to get a share of dividends and 
bonuses.
4. Crypto currency investment:
· The newest form of digital investment is crypto 
·currBeintccoy.in and dogecoin are some of the popular 
·typeTsh.ese are highly volatile in nature and the value keeps 
flucotuvaetri nag very short period of 
· tBimefeo.re investing, one has to understand all the 
govreurlnems aendt- related
regulations.
Every middle-class person should invest but he/she should be thorough with all 
cthoen sp roofs e avnedry investment option. For more information, you can connect with the 
owfe ollk-rbeiamda t.ceoam. Grow your money and cover all your future 
expenses.