For middle class salaried people, Which is the best investment options available in India?

SIPs are also one of the good investment option, keeping in view, long tem investment option for 5 to 7 years & above

A Good Fund fetches an average return of at least 12% and above on conservative basis, after tax deductions. They act as a shock absorbers to investments, averaging them against very high markets and high downslides

It is a long term savings instrument with a maturity of 15 years and interest payable at 8% per annum compounded annually. A PPF account can be opened through a nationalized bank at anytime during the year and is open all through the year for depositing money. Tax benefits can be availed for the amount invested and interest accrued is tax-free. A withdrawal is permissible every year from the seventh financial year of the date of opening of the account and the amount of withdrawal will be limited to 50% of the balance at credit at the end of the 4th year immediately preceding the year in which the amount is withdrawn or at the end of the preceding year whichever is lower the amount of loan if any.

These are short-term (six months) to medium-term (three to five years) borrowings by companies at a fixed rate of interest which is payable monthly, quarterly, semi annually or annually. They can also be cumulative fixed deposits where the entire principal alongwith the interest is paid at the end of the loan period. The rate of interest varies between 6-9% per annum for company FDs. The interest received is after deduction of taxes.

Though the charges are high, but ULIPs gives you cover and returns. If you are looking for a long term (greater then 3 years) then ULIP's are the best ones. HDFC SLCI - Young Start Tripple benefit is the best of all, as it guarantees the future payment of Premium in case of an unfortunate death of the insured and also pays the sum assured to the beneficiary.

everyone must invest in insurance plan where the life is secured alongwith the future.

sanju s.s.

The SIP for long term investments in equity will be benefit for their kids

PPf will be debt orinented compounding saving instruments for middle class

Regular saving is more important. Even if small amount is saved regularly, it will give good returns in long time.

they get financed vehicle , flats ... have no menoy to invest ..

if some body has , buy gold & land ..

mackenna's ...gold , gold ..everywhere but not  a schilling to buy ..

Gold is a part and parcel of our Indian people lives.  Investing a tiny portion of their monthly income in Gold will fetch good returns in the long run

also known as term deposits and minimum investment period for bank FDs is 30 days. Fixed Deposits with banks are for investors with low risk appetite, and may be considered for 6-12 months investment period are short term investments and for Long term investments, invest in Certificate of Deposits, which is risk free also.

Alongwith SIP provided by MFs, Postal & Bank Recurring Deposits are also the best avenue for middle class salaried people.

It is very difficult to give a genaral investment plan applicable to middleclass, it depends on several factors connecting the middle class individual. All details like his gross income for the said financial year for which he makes his investment plan, existing investments, existing obligations to invest, his income tax and other tax liabilities, wealth tax liablilities, surpus fund available with him to invest etc. are to be considered before making a decision in this regard. Further consideration is needed to see how the investments can be spread over to other non earning members in the relation. But then investments in Public Provident Fund is a risk free investment and it will not have any kind of attachment for any kind of debt or personal l liability whatsoever, this will give you a reasonal tax free interst regularly.

A good mix of investments may be preferred by the M.class. Never all surplus in one class of investment. There should be varieties and spread. Gold, SIP in MF, Bank FD ( very liquid - immediate loan and pre-matatured payment is avilable ) and lastly Tax-saving instruments may be chosen.

First it is really to define who is middle class. If your annual incom is in the range of 6 lacs to 30 lacs then only be you are in middle class. Any thing less is just hand to mouth because for any occassion you have to borrow.

mutual funds are subject to market risk & Fixed deposites yield very low interest. It would be better to purchase home stead lands in urban areas (preferably at remote corner)at a cheaper rate (smallest plot size be 30'X20'). The way the urban centres expanding, the price of land becomes more than double in five years. You need to chose small urban centres. Believe me lands neither subject to any recession nor carries any market risk. If some domestic occasion you need money, sell the land. It has to be noted that before purchasing land, verify the records.

I think safest investment is only savings in post office in Recurring deposit or National Savings Certificate or kisan vikas patra. Here we should not see for heavy returns. You should concentrate on only the security of the Money that the middle class man had invested.

With the Retail Inflation rate at nearly 19-21%, no investment plan, be it PPF or SIP is good for middle class people, who is so entangled with his or her daily life and has time to make money in the financial market. Only Real Estate and Gold can give them reasonable return. But while buying real estate, they need to be cautious and invest in growing property and not in inflated property.