What are the most reliable and profitable investment options

Looking up stock prices or staying up to date with today gold rate Cuddalore or Nagpur is one thing but when you need to actually invest money things are different. This is because you need to be sure that your investments will give the desired results. Hence we have made a list of some of the most reliable and profitable investment options that are guaranteed to give good returns:

  • Capital Guarantee Plan

A capital guarantee plan is the most conservative investment option. Under these plans, insurance companies assure that your money will not erode with time and will remain as it is at the start of the investment.

These plans are also known as ULIP plans. ULIP stands for Unit Linked Insurance Plan. These plans protect investors’ principal even in an economic crisis and payout on maturity. These plans are viable for people who are risk-averse and do not want to take any chance with their money.

However, it is worth noting that returns from these funds would be nominal because of their low-risk strategy for investing funds.

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  • Public provident Fund

Public Provident Fund is a government-backed scheme that gives assured returns. The rate of interest is decided by the Government of India every quarter. The current rate of interest for PPF is 8.1% per annum for the July to September quarter and we can expect it to remain unchanged in the October to December quarter too.

So, it is safe to invest in a public provident fund as this scheme is backed by the Government of India and it offers an assured return on your investment.

Moreover, PPF comes with tax benefits under Section 80C of the Income Tax Act up to Rs 1.5 lakhs per year and the maturity amount is also tax-free.

  • Bank fixed deposits

A bank fixed deposit is one of the most popular and better than simple savings account options to invest your money. This is because it gives you a higher rate of interest as compared to regular savings accounts and helps you save your money for a specific period.

When you choose a fixed deposit, you simply have to decide on the amount you want to invest and the tenure of your investment. Various tax-saving FD schemes give you an attractive interest rate with the added advantage of tax exemption under section 80C of the Income Tax Act.


Fixed deposits are also one of the safest investment options in India and are insured until Rs.1 lakh per depositor by the Deposit Insurance and Credit Guarantee Corporation (DICGC) scheme.

This makes them a preferred investment option for people who want an assured return with minimum risk involved.

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  • SBI Recurring Deposit Account

SBI recurring deposit account is another type of term deposit that lets you invest small amounts regularly at an interest rate similar to fixed deposits. You can open this account with SBI by investing just Rs 100 per month or any amount that is multiple Rs 100. The funds get automatically debited from your savings or salary account every month on the due date. You can withdraw your money after maturity, even before maturity with a penalty charge if you need urgent money. Investing in SBI recurring deposits accounts has all the benefits of investing in gold and none of its demerits. With these recurring deposits you don’t need to hassle yourself by continually tracking gold price today Gandhinagar or whichever place you live in but just like gold you are guaranteed to get your returns. Click here to learn more.