Investing ₹20 lakh aiming for a 24% annual return with low risk might seem like searching for a hidden gem in the vast landscapes of Rajasthan. Be prepared for the mirages that the desert might present. Where can you invest?
1. Equity Mutual Funds – The Royal Forts: Historically, equity mutual funds in India have provided good returns, especially in a growing economy like ours. But expecting a consistent 24% with low risk might be ambitious. Remember, as Warren Buffett said, “Risk comes from not knowing what you’re doing.”
2. Direct Equity – The Desert Safari: Handpicked stocks, adhering to the Roots & Wings philosophy, can potentially fetch you high returns. But, the stock market can be unpredictable in the short term. However, with diligent research and advice from a SEBI Registered Investment advisor, you can navigate better.
3. Portfolio Management Services (PMS) – The Guided Tour: If you’re looking for tailored solutions, a PMS might be apt. Jama Wealth’s PMS services offer bespoke portfolios, keeping your risk appetite in mind.
4. Debt Mutual Funds – The Calm Oases: While they might not offer 24% returns, they are comparatively safer. Debt funds can be a part of your portfolio to balance out the risk from equity investments.
5. Systematic Investment Plans (SIPs) – The Caravan Journey: SIPs in good mutual funds can potentially yield high returns over the long term. They also instil a discipline in investing.
6. Bonds – The Camel Ride: Corporate bonds from reputed companies can offer decent returns with relatively lower risk. However, ensure you’re wary of the credit risk.
To sum up, targeting a 24% return with low risk is challenging. The investment world doesn’t usually offer high returns without associated risks. Thus, it’s imperative to understand the risk-return trade-off. Engaging with a SEBI Registered Investment advisor can provide clarity and direction in this pursuit. And if you ever feel lost in the desert of investments, Jama Wealth’s advisory services can guide you to your oasis.
