best investment options for salaried person in 2022 - top investing options.

nowadays, investing is one of the major requirement of everyone's life in order to secure our future and to achieve our financial goals, so if you are a salaried person then what are the best investment options for you to maximize your income and to make your life secure in future.

so if you're finding the answer of this question then you must read this article to the end to get a clarification about some of the best investment options for salaried person in india, which might helps you to grow your wealth sustainably by taking very fewer risks and along with that some of the aspects related to it.

best investment options for salaried person.

best mutual fund schemes investment option for salaried person.

the bottom line.

best investment options for salaried person - best investment plans.

there are so many investment options available in india, in which you can invest to make your money grow without initiating your personal efforts. but if you are a salaried person then it is always preferred to invest your money in those investing options which can give good returns even at lower risk. so, some of the best investment options for salaried person are listed here.

hybrid mutual funds.

if you are a salaried person and you want to raise your funds sustainably by taking average risk then you can consider investing in hybrid mutual fund as one of the best investment option for yourself because of its risk diversification factors along with growth opportunities.

in hybrid mutual fund, the fund manager invest the partial amount of total fund balance in equity market in order to grow the invested funds and the rest of the amount get invested in debt funds in order to reduce the risk to a greater extent. here the investing amount is not specified by the fund manager, but the expected returns are quite impressive, so investing in hybrid mutual fund is a good investment option for salaried person in 2022.

debt mutual fund.

debt mutual fund is also a good investment option for salaried persons who don't want to take any risk with their money. in this mutual fund, the fund manager invest the whole collected amount into the debt funds i.e. government bonds, corporate fd's, rd's, government projects and so on.

here the expected returns is low as compared to hybrid mutual funds because it is almost comes with very low risk or completely no risk, but with the perspective of limited risk and higher returns than saving account debt fund is a good investment options for salaried persons. some of the debt funds also provide elss facility where you can invest your money for minimum 3 years in the lockin period, which help your funds to grow properly, apart from that it also provide tax benefits upto 1,50,000 rs in a year under the provision of 80c.

recurring deposit.

recurring deposit is also a good option for salaried persons to invest in 2022, recurring deposit actually refers to a kind of saving where you have to put money after a particular interval of time for instance, while creating a RD you have to select a fixed date and a particular amount that you will invest on weekly basis or on monthly basis to get returns out of it.

Here the expected returns are mostly calculated on the basis of fixed return and sometimes it also varies from bank to bank. You can consider it as a good investment option due to very low risks and good assured returns. According to various investors and certified financial planners investing in recurring deposit performs as an emergency fund, so with this perspective you must invest in this option to increase your money by taking lower risks.

Life insurance.

Life insurance is also a best investment option nowadays, as it covers various risks along with providing some good returns. So if you are a salaried person than you can consider term insurance as a good investment option for yourself. This option provides assured returns to its investors after the period of maturity. Here the expected returns also help sometimes to deal with the contingencies of inflation.

Rather than life insurance there are various insurance options are available like vehicle insurance, marine insurance, fire insurance and so on. Which may provide more higher returns than expected. However here the basic disadvantage is that the invested amount or the premium amount wouldn't get released till the date of maturity. So investing in lic policy is considered as a long term investment for the salaried persons.

emergency funds

emergency fund is an emerging need of everyone's life, so investing in emergency fund is also a best investment options for salaried persons in 2022. due to sudden conditions like lose of job, urgent medical procedures, immediate home repair, urgent car repairs, etc building an emergency fund is a must requirement for a salaried person.

there are various investing options available which a salaried person use to invest his money for security with average returns. so, some of them are investing in fixed deposit with a lump-sum amount, investing in public provident fund on monthly basis and increasing it gradually, investing in post office schemes and national pension schemes are the great investment plans for a salaried individual or for an employee in india, in order to reduce his risks in future.

best mutual fund schemes investment option for salaried person.

the list of mutual fund schemes is unexpectedly higher as there are so many schemes of various banks and financial institutions are available in the market among which some of the best schemes for salaried person are said below.

icici prudential short term fund direct plan growth.

icici prudential short term fund direct plan growth is a debt mutual fund which used to invest in government securities and government organizations. currently it have 114 holdings in the portfolio some of the holdings of this mutual fund scheme are national bank for agriculture and rural development, indian oil corporation, export-import bank of india and so on. 

in past few years this fund have provided some average returns i.e. in past 5 years it had provided the average returns of 7.7%, in 3 years 7.9% and in 1 year it had provided around 3.8% pf returns. 

icici prudential technology fund growth.

icici prudential technology fund growth is an equity based mutual fund, where your complete investment amount get invested in the stock market by the fund manager of that scheme in a diversified way. here the risk factors are comparatively on the higher side however the expected returns are also greater than other funds. so investing in this fund is also a best investment plan for salaried employees who wants to take higher growth b taking some risks.

in past few years it had provided some good returns i.e. in past 5 years it had provided the returns around 28%, in past 3 years it had provided the average return around 33.6% and in previous year it had provided around 23.3% of returns.

canara robeco equity tax saver direct growth.

canara robeco equity tax saver direct growth plan is a high risk mutual which comes with elss facility which makes it quite comfortable and best investment option for you. here the returns provided by the fund is quite impressive because of investing in stock market as major proposition. in past 5 years it had provided the average returns of around 15.13%, in past 3 years it had provided the average return of around 19.52% and in previous year it had provided the returns of around 9.41%.

tata digital india fund direct growth.

tata digital india fund direct growth is a sectoral based equity mutual fund which majorly invest its collected fund in IT sector companies. if you're a beginner investor than it is one of the best investment option for you, because you can start to invest in this mutual fund even from rs 500 on monthly basis. 

this mutual fund had also provided some good returns in its past performance i.e. in past 5 years it had provided average returns of 30.43%, in past 3 years it had provided the average return of 31.05% and in previous year it had provided the average return of around 23.32%.

baroda midcap direct fund growth.

baroda midcap direct fund growth is a equity based mutual fund, which used to invest it's fund in midcap companies. this mutual fund is one of the best investment options in india for salaried persons due to it's rich diversification factor.

in past 5 years it had provided the average returns of 16.94% of returns, in past 3 years it had provided the average returns of 23.56% and in previous year in had provided average returns of 27.49%.

the bottom line.

while making an investing decision the major perspective of most of the salaried peoples is to invest in safe investment schemes which gives good returns by taking lower risks. so above are the some best investment plans with best mutual fund plans for salaried persons. it is always preferred for salaried peoples to make a proper financial planning decision in order to make a proper insight of investment portfolio.