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5 Best Investments to Invest Your Money for Better Returns

Investing has always been an integral part of growing your corpus and bridging the gap between your means and desires. Hence, it is of paramount importance to choose the best possible investment for yourself. The reason we emphasize on ‘yourself,’ is that investing is a very tailor-made process.

It changes with your appetite for risk, patience, ambition for returns, etc. Hence, to list 5 best investment options to invest your money; we must explore each combination of these parameters. They include the following options and can be evaluated using the FD Interest Rate calculator too. 

Equity (Stock) Market

Investing in stocks directly is a high-risk investment. The stocks are a highly volatile asset class. There is no guarantee of return over a certain period of time as it is difficult to time your entry and exit in the stock market. You need to have a lot of research and skills to understand the behaviour of the stock market to predict patterns and to buy the right stocks. Investing in stock is therefore not everyone’s cup of tea. The only good part about investing in stocks is that they are able to deliver higher than inflation adjusted returns compared to all other asset classes. 

National Pension System (NPS)

The National Pension System is a long-term investment product that is focused on retirement. It is managed by the Pension Fund Regulatory and Development Authority (PFRDA). It is a mixed bag of investment options containing equity, fixed deposit, corporate bonds, liquid funds and government funds among others. The decision of investing of how much to invest in the National Pension Scheme involves analysing your risk appetite for the same. 

Mutual funds

Mutual funds are an investment option where a fund manager manages your account by investing your money in stocks and bonds based on their experience. In an actively traded Mutual Fund, the returns are largely dependent on the ability of the fund manager to generate returns by investing the clients’ money in equities and bonds. 


Gold is another investing option in India in 2021. Possessing gold in the form of jewellery comes with its own risks such as safety as well as high cost including the charges for making gold. Although, nowadays investing in paper gold is a cost-effective investment yet a volatile and a risky one.

Fixed Deposit

Last but not the least is one of the most important investments. A Fixed Deposit (FD) is considered a safe investment option with the least amount of risk and highest form of liquidity. It is an investment of your savings to earn a higher rate of return than a regular savings account.

It is offered by banks, post offices and NBFCs (Non-Banking Financial Companies). FD has the lowest risk in the portfolio of investment. Money is invested in a fixed deposit with a lock in period and interest is given either at the end of the maturity date or as a regular pay-out. Investing in Fixed Deposit is a very smooth process and can be done at the tip of your fingers. You need to go through Fixed Deposit schemes of different banks and select the one as per your needs and requirements. Bajaj Finance Fixed Deposit is said to have one of the highest returns with an interest rate of up to 6.75%. 

It has some other benefits which are of key importance: 

  • High Interest Rates 
  • Special offers to Senior Citizens 
  • Benefits to Pravasi Bhartiyas (NRIs) 
  • High Credibility and Stability 
  • Flexible Time Frames 
  • Fixed Deposit Interest Rate Calculator 
  • Smaller Minimum Deposit
  • Digitalized Application Process 
  • Online Loan against FD
  • Auto-renewal

These are one of the 5 best investments for you to invest your money for better returns in India in 2021. To grow your money with easy liquidity and guaranteed returns with less risk, Fixed Deposit is the best investment option of all. Bajaj Finance FD will be a good option and moreover their calculator will allow you to evaluate other investments too.

Author Bio:

Gaurav Khanna is an experienced financial advisor, digital marketer, and writer who is well known for his ability to predict market trends. Check out his blog at Highlight Story.

About Mahender Bansal

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