Guys suggest me on investment of 4 lakh to 6lakh for 1 year duration with high returns at low risk..

[Raj Singh Thakur]

Low risk , not complicated, genuine advice, genuine source, duration of less then 1 year to 2 year.

 

[zacobite]

Low risk , not complicated, genuine advice, genuine source, duration of less then 1 year to 2 year.

Liquid fund / FD in an SFB / Conservative hybrid fund

 

[Mr Simplifier]

Low risk , not complicated, genuine advice, genuine source, duration of less then 1 year to 2 year.

You can distribute your fund in 2 liquid funds or in liquid fund and FD.

 

[Skylar]

high returns at low risk can get you close - 7.5% High return ​

 

[17ysaurabh]

Low risk , not complicated, genuine advice, genuine source, duration of less then 1 year to 2 year.

Hi @Raj Singh Thakur
First, divide your total lumpsum into 2 parts: 3 lakhs each
Invest each part as a Fixed Deposit (FD) for 1 to 2 years in Small Finance banks as they give the maximum returns in FD. Also, FD up to Rs. 5 lakhs in small finance banks is insured by RBI.
So, you can enjoy safe and good returns.

PS: Sharing a screenshot of FD rates of small finance banks.

 

[Prince]

Hie You can use the below method

1. Invest amount in Small Finance Bank FD. (Earn easily more than 8.5%)
2. Invest few amount in T-Bills for 6 Months (if want liquidity) that will save you from breaking FD
3. You can use Tyke for Bill Discounting also and earn 14% for periods ranging from 30 Days to 120 Days (for quick Liquidity)

You can use below application for Managing the above set up
1. RBI retail direct (Web Page)
2. Stable Money
3. Tyke Application (can use my code -Q4LP1V)

 

[ShavirB]

Hey @Prince , curious to know - how can you earn 14% from T-Bills?

 

[zacobite]

Hey @Prince , curious to know - how can you earn 14% from T-Bills?

LOL.. i did wonder as well

 

[Prince]

Hey @Prince , curious to know - how can you earn 14% from T-Bills?

Hie Mr Shavir,

There was writing error, it was Invoice discounting on Application Tyke, on which we had a separate dedicated discussion thread.
I deeply apologies and for the goof up, i have edited the comment also and explained below the calculation for 14% return on bill discouting.

I'll tell you with an example, on Invoice Discounting wherein now big name such as BPCL, Amazon, Flipkart, Apollo, Dunzo etc are there.
So they give you 10,113 for every 10K for Minimum period of 30 Days.
So its an 113 Rs for a Month and for an Year its 1356 which gives us the return of approx 14%.
and that the least, if the period is increased from 30 to say 60 or 90, the return gets higher.
Attached the snap also for your reference.

Also I again apologies for the error at my part, it was not a misleading information but an human error.
Thanks

 

[ShavirB]

No worries @Prince , just to add a small disclaimer

Invoice Discounting is a risky investment (probably more than Stock Market), and investors must take caution before investing their hard earned money

 

[Artharjan]

When it comes to Investing with low risk and high return it is best to Invest in Index funds.
NiftyBees is one good option but your investment timeframe is very low so better do a mix.

For E.g.
50% in NiftyBees &
50% in SDLBees/Bharat Bond ETF

Investment in securities market are subject to market risks.

Happy Investing

 

[Prince]

No worries @Prince , just to add a small disclaimer

Invoice Discounting is a risky investment (probably more than Stock Market), and investors must take caution before investing their hard earned money

Yes it's risky, there is an risk mitigation also, time in time tyke issue invoice on which they assured the deal and provide guarantee also. Enclosed the snap of deal recently closed in March last week.

 

[pinkycjee]

Low risk , not complicated, genuine advice, genuine source, duration of less then 1 year to 2 year 4 to 6 lakh for a one-year duration with a desire for high returns at low risk is a challenging proposition, as high returns often come with higher levels of risk. However, there are some relatively low-risk options you could consider:

1. Fixed Deposits (FDs): Investing in fixed deposits with reputable banks can provide a relatively low-risk option with predictable returns. While the returns may not be exceptionally high, they are typically stable and guaranteed.
2. Debt Mutual Funds: Debt mutual funds invest in fixed-income securities like government bonds, corporate bonds, and other debt instruments. They generally offer better returns than FDs with relatively low risk, especially if you opt for funds with a short-term duration.
3. Liquid Funds: Liquid funds invest in short-term money market instruments and offer liquidity along with stability. They are considered relatively low risk and can provide better returns than traditional savings accounts or FDs, especially for short-term investments.
4. Sovereign Gold Bonds (SGBs): Issued by the government, SGBs offer returns linked to the price of gold along with an additional interest rate. They are considered low risk as they are backed by the government, and they also offer tax benefits. However, keep in mind that gold prices can be volatile in the short term.
5. Corporate Deposits: Some large, well-established companies offer fixed-income products similar to FDs known as corporate deposits. While they may offer slightly higher returns than bank FDs, it's essential to research the company's financial health and creditworthiness before investing.
6. Post Office Savings Schemes: Government-backed schemes like Public Provident Fund (PPF), National Savings Certificate (NSC), and Post Office Monthly Income Scheme (POMIS) offer stable returns with low risk. However, the returns may be lower compared to other investment options.
7. Arbitrage Funds: These funds take advantage of price differentials in the cash and derivatives markets to generate returns. They are considered relatively low risk as they aim to capture small price differences, but the returns may vary.

It's crucial to assess your risk tolerance, investment goals, and liquidity needs before making any investment decisions. Consider diversifying your investment across multiple options to mitigate risk. Additionally, consult with a financial advisor to tailor an investment strategy that aligns with your specific circumstances and objectives.

 

[theraj0007]

Low risk , not complicated, genuine advice, genuine source, duration of less then 1 year to 2 year.

GO THROUGH FD IN STABLE MONEY APP.