High Return ke Liye Kam Risk Ke 10 Best Investments Option

High Return ke Liye Kam Risk Ke 10 Best Investments Option

Aaj lagbhag sabhi log apne  fature ke liye investment karte hai .lekin bahut kam hai investment ke option hai Jinke under risk nahi Milta hai .lekin sabhi chahte hai ki vahe ase Jagah investment kare Jaha risk kam ho aur accha return mile. or aaj kuch asee investment option bhi hai jinke andar apko kam risk me achaa investment return milega .lekin apko btaa de ki high risk se achaa hai ki thoda kam return wala investment option jyada achee rhte hai.

Lekin kuch log chahte ki unka risk kitna bhi ho lekin investment return high hona chahiye to investment ke andar to More Gain More Risk hota hai. iska matleb hai ki yadi aap higher return lena chahte hai to apko high risk lena milega.yadi aap job Karte Hain aur aap retirement ke bilkul Paas hai.to aur aap apne bacho ke liye High Schools seniors college fund ke liye investment kar rahe hain toh aap bilkul bhi risk Lena pasand nahi karte. kyoki  kya pta retirement ke bad apke pas koi financial resoure na ho .

1. Sabse Jayda Interest Savings Acounts
2. Peer-to-Peer Lend
3. Credit Card Rewards
4. Money Market Funds
5. Municipal Bonds
6. Annuities
7. US Savings Bonds
8. Cash Value Life Insurance
9. Certificate of Deposit
10. Dividend Paying Stocks and Mutual Funds

To yadi aap low risk ak achee returns wale investment plan chahte hai.to kuch option hai jinkee ander low risk ke sath achaa investment returns milta hai. aaj apke sath hm best low risk investment options share krenge yadi apko pasand aye to aap investment jrur kare .

1 . Sabse Jayda Interest Savings Acounts

High Interest Savings Acounts ak best low risk investment option hai yadi apke pas achaa cash hai .Aaj bhut se log intrest ke liye rupee dete hai . aur  vahe  ya toh apne friend ke pass ya kisi rishtedar ko rupee dete hai .  kyoki vaha apke rupee dubne ka risk hota hai or  interest bhi bahut kam Milta Hai yadi  interest bhi acha mile Toh Bhi aapka   Paisa dubane ka bahut jyada chance hai.apke samne asee bhut se cash aate hai.

To ise  achha hai ki yadi Aap Ke Paas achaa cash hai to  aur aap accha interest kamana Chahte Hain. toh aap ak  achee bank me high yield savings accounts open kerwa le.iske andar apka koi charge nhi legta hai .yadi aap ak achee or populer bank ke andar apna accounts open kerwate hai to iske andar bilkul bhi risk nhi hai. or apko high intrest ke sath bhut se benefit milte hai.

Bank apko online account open ki service deta hai taki customer ko koi probelm na ho. to aap yadi aap intrest se achaa paisa kamana chahte hai .to aap ak achee bank ke ander jha apko achii services milti ho usme High Interest Savings Acount open kerwale .

2. Peer-to-Peer Lend

P2P ek different invvestment option hai. P2P loan Ek Prakar ka crowd funding hai jiske ander loan dene wale or lene wale ke bich co-ordination kiya jata hai.yah ak short term investment ke liye best investment option hai.yadi aap stock market me invest karte hai .ya aap kisi ko intrest ke liye rupee dete hai .assi investment me rupee wapis ane ke km chance hota hai isme risk bhut hota hai.

Aap low risk investment kerna chahte ha to apke liye best rated loans ak best best option hai iske andar aap thode risk ak achaa return le sakte hai. apko bta de ki ak populer P2P lending platforms me averaging  default rate  5%  hai .or aap yadi achee se screening  karte hai. to apko bhut achaa investment return milta hai

Fortunately, peer to peer lending companies apki investment  ke liye screening tools or portfolio settings ki services deti hai. jis se aap iske ander investment kar sakte hai . india me jyadater peer to peer lending  services dene wali Technologies company hai aur yah company registered hai.

peer to peer lending companies customer ko online tools deti hai .jaese aap online payment kar sakte hai or online apni investment check kar sakte hai .lekin bhut se log  online payment karne se darte hai lekin inke andar online payment karne me koi risk nahi hai kyoki inhone investors ki protection ke liye collection practices ko set kiya hai.to yadi aap ak low risk investment chahte hai.to aap iske andar invest kar sakte hai.

3. Credit Card Rewards

Credit card rewards ak low risk investment option me se ak hai . apko yah low-risk return deta hai .  iske andar aap jab kisi bhi bank ka credit card banvate hai .aur aap uska istemal karte hai.to apko har bar uska istemal karne par kuch point milte hai jise Credit card rewards khate hai. aap jitna Jyada credit card ka istemal Karenge utne hi reward point Milenge .

Jab apke pas kuch point ho jaye to aap unka  istemal khai bhi kar sakte .jaese,gift vouchers, electrical appliances, accessories, lifestyle products purchase karne me. or alag alag card ke hisab se aleg aleg offer hote hai .jaisee;The Chase Freedom® card  se aap yadi 90 dino me yadi $500  tak kharche te hai to apko $150 cashback milnge jinhe aap apne acount me save kar sakte hai.

Aur apko credit card se reward ka profit hi nhi bhut se offer milte hai jis se aap bhut se rupee bachaa sakte hai .credit card me investment me koi risk nhi hota hai bss thodi si investment or fir bachet hi bachet.or aap kisi bhi bank se credit  card banwa sakte hai.  ICICI Bnak, HDFC Bank, SBI Bank, Axis Bank Jaise top class ke bank se aap bahut hi aasani se Credit Card banwa sakte hai.

4. Money Market Funds

High Return ke Liye Kam Risk Ke 10 Best Investments Option
Money market fund ek Ek Aisa mutual fund hai jiske andar shareholder intrest kmate hai. aur aap mutual funds, brokerage firms or banks se Money market fund ke share kharid sakte hai. money market fund’ ka purpose investor ko safe investment services dena unko ek investment ke liye safe  place dena taki vahe easily investment kar sake.

Aur yah ak parkar ka mutual fund hai. jo ek low-risk, low-return investment option hai. aur  low risk or highly liquid,hone ke karan money market funds investor ko apni or attrect kerta hai aur  kuch  Money market fund bhi investor ko municipal securities me invest kerwa ke tax benefit dilate hai.

Aur money market funds ek safe investment hai jo Investment Company Act 1940.ke under regulated hai.money market fund ko U.S. Treasury securities, bhi kha jata hai .jaiseT-bills; certificates of deposit (CDs); or corporate commercial paper.

To aap iske andar safely investment kar sakte hai bina kisi risk ke iske andar apko bhut kam risk milta hai .jitna risk hota hai us se jyada return milta hai.

5. Municipal Bonds

Municipal bond ek debt security hai.jo state, municipality ya county davara issue kiye jati hai.  to jab government ko  construction of highways, bridges or schools  ke construction  ke expenditures, ke liye rupee ki jrurt padti hai. to vahe bhar investor se investment kerwati hai.

Present federal income tax law, ke Under Municipal bond par milne wala intrest tax free hota hai. Aur Municipal Bonds ek attractive investment  hai jo kisi investor ke liye tax-advantaged income ka ek resource hai. Municipal bond ek safe investment hai..

Yadi koi investor ek low risk investment karna chahta hai to iske andar investment kar sakta hai. iske andar achaa invstment return milta hai . iske andar public project jaise;constructing schools, hospitals and highways. ke andar investor ka rupiya legta hai to risk ka koi kaam nhi hota hai.

 6. Annuities

Annuity ek best investment plan me se ak hai. Annuity  un logo ke liye imcome ka financial resource hai jo guaranteed retirement income lete hai.isliye yah ek low risk investment option hai . or Annuity un logo ke liye  jo long time ke liye investment nkerna chahte hai.

yadi koi Annuity ke andar investment karna chahte hai to usko phle ek good financial advisor se advise leni chahiye .kyoki yadi aap apne aap investment kar rahe hai .to isme apko koi jankari nhi to isme risk ho jata hai. Annuity bhut parkar ki hoti hai.

apko bta de ki yadi aap din ke last yani  syam ko Annuity puschase karte hai to apke risk ki limit ho jati hai.aurapki deals ek insurance company ke sath deal ke equal ho jayegi yani. aur wo apse cash flow me payment lenge or kai bari return bhi fixed ho jata. lekin yadi wo  guarante form wapis dete hai to apka risk low ho jata hai.

Aur yadi aap ak variable annuity lete hai nto apko jyada profit hoga .kyoki kisi variable annuity ki performance apki investment ke uper depend karta hai. to aap kisi achee financial advisor se advise le annuity ke andar investment kare .yadi  aap ek achii annuity ke andar investment karte hai to apko low risk ke stah achaa return milega.

7. US Savings Bonds

US Savings Bonds bilkul Treasury Inflation Protected Securities ke equal hai. U.S. savings bonds  fixed period  time me fixed rate se interest dete hai .aur kisi bhi investor ke liye ak best investment option hai. kyoki U.S. savings bonds safest  investments me se ek hai jiske andar low risk hota hai.

Inko United States Federal government dawara endorsed  kiya gya hai .isliye iske anadar low risk hai . aur yah savings bonds government dawara registered hote  hai.lekin iske andar  apko share se thoda sa kam return milta hai . yah aj fixed income resource hai.

Yah fature saving ke liye ek best investment plan hai . bonds ko kam se kam  months tak cashed nhi karwaya ja sakta hai  .aur aap jitne long time tak cash me nhi  hai utna hi jyada intresst milenge.Two types ke US Savings Bonds hote hai .;Series I and Series EE.

Series; series bond ke two components hote hai.ek fixed interest rate return or adjustable inflation-linked return.aur fixed interest rate return me inflation ka total return par koi fark nhi padta hai.lekin inflation-linked return ke andar total return par fark padta hai .isme total income kam bhi ho sakti hai aur jayada bhi ho sakti hai.

Series EE ;Iske andar fixed rate seinterest  milta hai .aur automatically month ke end me intrest apke investment me add ho jata hai. isme Treasury guarantees  deti hai ki apki investment maturity  jo 20 years hai us time tak duble ho jayenge to apke yah ak investment ka ek low risk ke sath ak achaa investment option hai.

8. Cash Value Life Insurance

Cash Value Life Insurance ek aur controversial investment option hai .Cash-value life insurance ek prkar ki life insurance policy hai.policyholder’s  ko lifetime tak invest karna padta hai .aur policyholder ki death hone par investment ki puri payment intrest ke stah milti hai.

Cash-value life insurance kai parkar ke hote hai .  Whole life, variable life or universal life aur Cash-value insurance ko permanent life insurance bhi kahte hai.kyoki yah policyholder ko life coverge deta hai. or Cash-value life insurance pe milne wali payment par koi tax nhi legta hai.

Yah life insurance ki normal policy se kuch alag hai.kyoki life insurance ki normal policy legbhg 30 years ki ya 40 years ki ho saketi hai lekin ye life time ke liye hoti hai.

9. Certificate of Deposit

Certificate of deposit (CD) ek  savings certificate jiski maturity date fixed  hoti hai. or fixed interest rate ke hisab se intrest milta hai. isliye yah ek best low investment option hota hai. iske andar minimum investment requirements hoti hai. aur certificate of deposit  promissory ki  note par  commercial banks dawara issue kiye jate hai.

Certificate of deposit electronically rup me issue hote hai. Certificate of Deposit (CD) par kisi bhi investor ko money return ki guarantee milti hai. jab aap kisi FDIC se certificate of deposit purchase karte hai. to apko tab tak guarantee milti hai tab tak apki investment $250,000. tab tak apka koi nuksaan nhi hoga.

Apka interest  interest rates or Certificate of Deposit (CD ke time pe dependent  karta hai. jab aap Certificate of Deposit khaidte hai to interest rate low  hoti hai lekin jab apki investment ko 1-2 years ho jate hai to apki interest rate achii hone lagti hai . to kisi bhi investor ke liye yah ak low risk investment option hai.

 10. Dividend Paying Stocks and Mutual Funds

Yadi app Thoda Sa Risk Leke Paisa kamane chahte hain to aap Stock Market Me Invest kar Sakte hain .aur mutual funds me invest kar sakte hai inke andar investor ko dividend milta hai. Share Market ek aisa tarika hai jaha se aap bahut hi Aasan tarike se paise bana sakte hai . lekin Stock Market ke ander thoda bhut risk hota hai.

Isliye share market me investment se pahle aapko share market aapko share market ke bare me aachi jankari honi chahiye or aapko share market ke bare me aachi jankari hone par bhi aap share market me investment kare. aur aap yadi dividend stock mutual fund me investment karte hai to bhi apko achaa divident or apko achaa investment return milta hai.

Apko achaa divident  dene wali company ke stocks or mutual funds me investment karni chahiye jis se apki investment bhi safe rahe or achaa return bhi mile.

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