Best Investment Options for 2018-19
                     
Best investment options for 2018-19



Best investment 
options for 2018-19


We’re in the season 2018, and today maybe a great 
time to mirror on facets of your existence that 
require improvement or changes. If a person of 
individuals things are actually your money, you can 
begin 2018 on the positive note through getting a 
grip in your finances. Purchasing tax-saving plans in 
2018-2019 is a great move that the future self will 
appreciate.

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ELSS Tax Saving 
Mutual Funds:

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1.


ELSS or Equity Linked Saving Schemes are among 
the most widely used tax-saving plans which double 
as a practical type of investment offering great 
returns. ELSS is a kind of open-ended Mutual Funds 
that provide tax benefits falling under Section 80C 
from the Tax Act. Much like other Mutual Fund 
schemes, there aren't any guaranteed returns on 
ELSS. You can get returns varying between 12-18% in 
ELSS funds. Compared holiday to a tax savings plan, 
ELSS Funds possess the cheapest lock-in duration of 
3 years.

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Public Provident Fund 
(PPF):

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2.


Among the best tax instruments in India, interest 
earned on deposits in PPF isn't taxed. Deposits made 
towards PPF accounts could be claimed as tax 
deductions. It provides 7.8% interest per year 
(March-12 ,, 2017). The Govt. Asia keeps revising this 
every 3 months. PPF includes a lock-in duration of 
fifteen years.

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Girl Children-Sukanya 
Samriddhi Yojana 
Account (SSY) :

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3.


For those who have a woman child and wish to begin 
to make investments towards her greater education 
or her secure future, you can look at the SSY plan. 
Targeted at improving the health of the lady child lot 
in India, this plan provides an attractive rate of 
interest of 8.6% per year. The federal government, 
however, keeps revising the speed and 
communicates towards the customers accordingly.

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Saving Schemes for 
Senior Citizens(SCSS):

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4.


Created for individuals above age six decades, this 
plan is really a lengthy-term saving option that 
provides unmatched security. It’s available through 
certified banks in addition to network publish offices 
across India. An SCSS account extends as much as 
five years and upon maturity, can further be 
extended for an additional three years. The depositor 
could make one deposit into this account, a sum 
that's a multiple of Rs. 1,000 and never extend it 
beyond Rs. 15 lakhs. The returns about this plan are 
impressive with an intention rate of 8.6% per year.

10


New Pension Plan 
(NPS):

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5.


Individuals who're searching to remain financially 
secure throughout the twilight years can choose the 
NPS plan in order to save tax under Section 80C. For 
people who’re employed in the unorganized sector, 
this can be a viable investment choice to stay 
financially ready for individuals years when you are 
unemployed. The investor must deposit the absolute 
minimum quantity of Rs. 500 and no less than Rs. 
6,000 each year. Investors have careful analysis go 
for allocation of equity, bonds, and gilts.

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Bank FD Schemes for 
Tax Saving

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6.


This is among the old and finest investment intend to 
save tax under section 80C from it act.
Presently after demonetization from this past year, 
rates of interest have fallen drastically.  Latest rates 
of interest are between 4.5% to 7.5% per year.
Interest caused by tax saving bank FD schemes are 
taxed. Means, only investment the tax rebate can be 
obtained and never on returns.

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Provident Fund- 
Voluntaries (VPF)

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7.


Voluntary provident fund may be the contribution 
from worker to his provident fund account. This really 
is past the worker EPF contribution of 12%. However, 
there's no bound from employer to lead for this VPF.
The most an worker can lead is 100% from the 
Fundamental and DA.

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Life Insurance Schemes

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8.


Going for a Existence insurance coverage is initial 
step inside a financial planning.
You ought to should you prefer a good term 
insurance policy as it arrives with low costs and risk 
coverage.
Term insurance coverage include no maturity value. 
These are equipped for risk coverage and never for 
the money saving purpose.

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