5 best long term investments

 High returns and low risk, every investor out there is always looking for an asset with this rare combination. All they wish for is the best investment plan that can double their money in a few months or years with little or no risk. But, only the firms who care for your needs will tell you that this utopian state is almost impossible to attain. In reality, higher the risk, higher the possibility of bankable returns would be.

Stock:
Since it’s a volatile asset class, investing in stocks might not be everyone’s cup of tea especially when there are no guarantees of returns. Investors need to be on their toes while picking the right stocks, timing of their entry and exit to gain desired returns. But the silver lining here is, over long periods of time, equity investments are shown to deliver higher than inflation-adjusted returns compared to all other asset classes. When investing in stocks, one must opt for the stop-loss method to reduce losses. In stop-loss, one places an advance order to sell a stock at a specific price. To lower the risks further, one could diversify across sectors and market capitalisations.

Mutual Funds:

When it comes to mutual funds, even expert investors face conundrums. At one hand they are risky and on the other hand the higher returns are advantageous. Mutual funds often turn out to be a great investment option for the ones who don’t have required experience and expertise about the market yet wish to get higher returns.The market-related investments put money in various financial instruments such as debt, equity, stocks, money market funds, etc., wherein the returns are generated as per the market performance of the fund.

Fixed Deposits:

Fixed Deposits are one of the oldest investment method. The deposits are made with banks, with the guarantee of offering fixed returns over a fixed period of time. The tenure of an FD varies from 7 to 10 years and is a great option especially for tax saving purposes. However, individuals can also choose from available tax-saver fixed deposits available for a fixed period of 5 to 10 years . Fixed deposits are a highly lucrative investment option for investors looking for guaranteed returns, conservative investors with no to low risk appetite and investors seeking investment options with flexible tenure.

Gold:

An all-time favorite investment product, one can invest in gold in any format – Gold bar, Gold ETF, gold mutual fund, gold deposit scheme etc. Possessing gold in the form of jewellery has its own concerns such as safety and high cost. Then there's the 'making charges', which typically range between 6-14 percent of the cost of gold (and may go as high as 25 percent in case of special designs). For those who would want to buy gold coins, there's still an option.Many banks sell gold coins now-a-days. An alternate way of owning gold is via paper gold. Investment in paper gold is more cost-effective and can be done through gold .

Real Estate:

It’s high time a house built for one’s own living, shouldn’t be called an investment. A second house though qualifies to be an investment but the returns are extremely low as compared to commercial real estate investments(CRE). Even when market cycles fluctuate for one reason or another, CRE remains a desirable investment thanks to its stable nature.

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