Product Manager

Good option. I’ve been using them for some time. Looking for relatively more risk and return, north of 11-12%

Senior Product Manager

We have closed group of chit fund. Return of 24% per annum, try find a trust worthy chit funds around you. It’s faster way to make money

Software Developer

Lawyer

Try arbitrage funds for >1year <2years. Treated as equity and returns should be decent.  LTCG benefit. Upto 1L tax exempt per fin year.

Tech Lead

Bank FDs don’t go beyond 8% for a year and then we pay a good amount of tax on this.  Are there any better avenues to invest for short term? (up to a year).

Welcome to Personal Finance's Private Community

Bank FDs don’t go beyond 8% for a year and then we pay a good amount of tax on this. 
Are there any better avenues to invest for short term? (up to a year).

Which fixed-income assets to invest for short term?

Which fixed-income assets to invest for short term?- Grapevine

What are the best options for short term investments other than FD???

Operations Analytics

Please suggest some short-term (6Months - 1 Year) investment options, other than FD with good returns.

Investment Advice - Short Term

My parents are retiring in a couple of years, have govt pension but also have a sizable corpus in their PF account.

Need advice on investment options, have no loans or debt right now. Focus on growing money with relatively low risk tolerance. Have considered FD, Debt fund.

What about the senior citizen saving scheme, is it good? What other options can I explore apart from gold and real estate?

Investment options for retiring patents

Product Engineer

Want to check, how should i invest 10 lakh for 6 months. I need it after 6 months for my home instalment. Appreciate if you can also share related details (like if Fixed deposit, then which specific bank/product)

Short term investment

Software Engineer

Where do you all save emergency funds and other savings for short term needs. Let's say if you wanna save some amount of your salary and don't want it in a bank, where would you put that money so it gets better returns than bank and it can be easily liquidated. Please suggest where you would put it and how much returns you may expect.

Short term investments

Which investment avenues offer returns better than Fixed Deposits, while also providing liquidity and a comparatively shorter lock-in period?

Better than FD returns

I am planning to save some % of my salary every month and go on a trip at the end of the year.

My plan is to save around 3k-5k every month apart from my usual monthly investments. 

I haven't planned anything yet so I am open to your suggestions.

Investment ideas for short term (<1yr)

I need reliable investment options with less risk

I have 15 lakh. Where do i invest for good returns and multiplying my money

Hello folks. While I'd like to remain anonymous very much, here's what I can share about myself.

1. Working in consumer finance.
2. Love personal finance and helping people out with it.
3. Have published 10,000+ pieces of financial content in the mainstream media.
4. Wrote a best-selling book on money management. It was No. 1 on Amazon once upon a time. 
5. Lately been appearing on TV regularly for personal finance discussions.
6. Saved like crazy through my 20s and 30s, brought two apartments; have an 8-figure net worth mostly thanks to my mutual fund investments. It's not much but it's hard-earned.
7. My unrealised aspiration is travel and I'm working on it now.

No, I'm not selling anything. No commissions, no referral links, no finfluencing. 

Just want to talk, exchange ideas, and learn from you all. Maybe I'll feature you in my next book. :)

Ask me anything.

Let's talk money habits.

Corporate Strategist

I have been looking for funds to invest for 2-4 years duration, preferably 3. I have come across hybrid funds - Aggressive, Conservative and Balanced. Since they keep some portion of fund in debt, was looking into it for low-medium risk.
Have anyone tired them for such duration and how was your experience? Which one is preferred?
Any other investment instrument for such time period ?

Hybrid funds for 3-4 years duration

As the title reads - I am looking to invest a small amount for a short term (1-1.5 year) and I don't want exceptional returns as my risk appetite is small. I am just looking for safe options that can protect & grow my monry enough to lighten the blow of inflation. I am planning to get married in the next 2 years and will need this money then. TIA

What do you advise for someone looking to make safe & short term investment?

Sales

Hi all , I have some 10 lacs of savings which I don't want to keep idle in the bank for obvious reasons, 
I need suggestions on where I can invest for the next couple of years with Medium risk involved.
TIA.

Investment ideas

Analyst

What are some good mutual funds to invest in for like 2.5 years. Specifically Mid Caps. And if not then should I diversify? Or should I go for debt funds? Needed some advice.

Thank you.

Investment

Current Portfolio review - Anything that I should consider selling? (Shared my current SIPs desc/ratio in another post due to single image/post limitation, I've done 35k/70k/1L LTCG Profit harvesting in last 3 years)

Hi, I have recently graduated and now I'm going to start my career as a software developer. Can you suggest me with resources  for managing finances along with taxes and how to do investments or guide me how I can manage my expenses by giving some tips?
 
My base is around 14Lpa. 
My rent is around 25kpm. And monthly necessary expenditure of around 15kpm.
I am not that well-versed with taxes also. I'm learning about them. Currently I invest 3k in MF every month.
I would like to your suggestions and advises for the same.

Personal Finance Tips for fresher

Congratulations - you're off to a great start! Thats a tidy income to start off with. 
  
 My advise, cut out all the noise and random friendly advise from all and sundry and keep it really really simple till you hit a 50L investment corpus. 
  
 0. Buy a Term Insurance (vanilla, no riders) for 2 Cr. Annual Premium. Till 65 years of age.  
 0. Buy a Health Insurance cover for 10L.  Annual Premium. 
 0. If your parents aren't insured, buy a family floater cover for them now.  15L. Annual Premium.  This may become impossible as they age. 
 1. Start a monthly SIP in a single Nifty50 Index Fund (UTI : HDFC / ICICI / Nippon / doesn't matter).  From your data I'd say put in ~40K per month. 
 2. Start a PPF account and maximise annual investment - 1.5L pa.  
 3.  Invest all bonuses / increase in salary in the same Index Fund.   
  
 Watch the magic of compounding begin.  You'll see the impact of laying this foundation only post 20 yrs.  
  
 If your salary (and as a result your SIP) doesn't change, you should hit 50L in ~7 years.  Faster if you get good salary hikes and appraisals. 
  
 When you hit 50L, diversify into other asset classes (SGB + Flexicap MF + Real Estate for own use).  Do not create clutter by adding MFs and complicate life.  Keep investments simple as you scale: 
  
 30% - Index Fund 
 30% - Flexicap 
 20% - Gold (demat) 
 20% - Debt (EPF/PPF) 
  
 Rebalance asset allocation annually. 
  
 Never invest or choose instruments for tax planning. Tax optimisation leads to suboptimal instrument choices with your money (Insurance / Debt / etc). 
  
 Suggested Reading: Let's Talk Money, Monika Halan.  Easiest book to understand and follow.  
  
 Good luck!

Sales Manager

I’ve around 30L of cash. What’s the best place to invest? I’m worried about the volatility of the market.

Where to invest cash right now?

Hi folks!
I'm planning to get married in over a year from now. I don't want to touch my portfolio for this and hence starting a wedding fund where I'd pause my investment for a year and route the money into this fund.
Suggest an instrument class where I should park this money. It'd be roughly 70k/ month.

Also would love to know how did you finance your wedding? Any tips?

Which fixed-income assets to invest for short term?

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