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Bowl Leader
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If you are looking around 10% returns ideally hybrid aggressive funds are good. You can divide something like this: invest some in bluechip stocks like infosys,tcs,hdfc bank and RIL. You will continue to get dividend and returns mostly risk free.
Some into hybrid funds and some in corporate FDS like Bajaj finance and pnb housing finance approx 9%.
You can contact me at 7019194829 for investment planning
Diversification is important. Even if you are so confident that you won't be requiring this for 6 to 8 years still I would suggest to put these money on assets which are liquidated atleast to some portion of it. We are unsure of uncertainty and other things.
You can consider some of the following where you can diversify the amount into these instruments.
1. FIxed Deposits
2. Index Mutual funds
3. Mid & Small cap funds
4. Government bonds or T-Bills (lower rate but better than FD)
5. If you are into smallcase consider some of them like momentum based investing, sectoral wise, mix of smallcases according to the manager and your risk appetite.
Please do research a lot on these topics and understand the risk involved in it and then invest your amount there since it's a huge one.
You can either invest that in real estate ( rent out) as returns in real estate are better if you don't take a loan to purchase them. Also it would diversify your portfolio. I assume you invest more in stocks, fd etc
Else you can invest 8-10 lakh in govt bonds where returns are good at this point of time. There are multiple website from which you can do this. Like UP Power corporation bonds etc...yields are around 9-10pc. Or you can go for FD in AU, IDFC or PNBHFL. Due to rate hikes, fixed income instruments are good deal.
Given your broader horizon, invest remaining 10-15lakh in index funds. For the next 12 months, invest 1 lakh lumpsum in index fund...nifty 50.
Don't invest all the money in a go. In the meantime, you can park your money in IDFC or AU savings accounts which give you monthly interest.
Contact me for discussion I can gave life time retirement pension out of this fund
Wait for a few more months as the first half of 2023 could bring many investment opportunities in the Indian market. For now you can invest in Debt funds and enjoy 7-8% till then.
Lend me that money, I will give you 10% cagr by end of 2024..🤣🤣
Bhai sure ho na , pta ode 10pc cagr ki jagah 10pc money hi return kr pao
Pura wapas milega bhai, 10% interest rate pe 25lacs lumpsum kaha milega.
Aajkal toh personal loan bhi 12% pe dete hain.
You can invest in Annuity funds get cover plus monthly return. I do this as a side hustle. I can help you with it.
Equitas Small finance bank giving 8percent raet for 888 Days FD.It will give you 25000 pm interest approx
Not an advisable idea to keep 25 lakhs in a small finance bank keep max 5 lakhs so you are insured under rbi
You can invest in Hybrid fund for a return of 10 to 11%. It will give you cushion over volatility. DM me will guide you
Bowl Leader
8-10% is easily doable with this horizon. I can go with hybrid funds or diversify, some portion in debt fund and remaining in Nifty index fund/etf. If u want lesser risk mix it with some fd/bonds as well as rates are high these days.
If interested in gold buy some SGB
U can do better that what ur expecting