{"id":669,"date":"2024-04-18T09:39:14","date_gmt":"2024-04-18T09:39:14","guid":{"rendered":"https:\/\/jamawealth.com\/askguru\/?p=669"},"modified":"2026-03-02T19:31:36","modified_gmt":"2026-03-02T19:31:36","slug":"i-have-20-lakh-rupees-for-investment-where-should-i-invest-to-get-at-least-24-return-per-annum-and-low-risk","status":"publish","type":"post","link":"https:\/\/maxiomwealth.com\/askguru\/2024\/04\/18\/i-have-20-lakh-rupees-for-investment-where-should-i-invest-to-get-at-least-24-return-per-annum-and-low-risk\/","title":{"rendered":"I have 20 lakh rupees for investment. Where should I invest to get at least 24% return per annum and low risk?"},"content":{"rendered":"\n<p>Investing \u20b920 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?<\/p>\n\n\n\n<p><strong>1. Equity Mutual Funds \u2013 The Royal Forts<\/strong>: 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, &#8220;Risk comes from not knowing what you&#8217;re doing.&#8221;<\/p>\n\n\n\n<p><strong>2. Direct Equity \u2013 The Desert Safari<\/strong>: Handpicked stocks, adhering to the Roots &amp; 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.<\/p>\n\n\n\n<p><strong>3. Portfolio Management Services (PMS) \u2013 The Guided Tour<\/strong>: If you&#8217;re looking for tailored solutions, a PMS might be apt. Maxiom Wealth&#8217;s PMS services offer bespoke portfolios, keeping your risk appetite in mind.<\/p>\n\n\n\n<p><strong>4. Debt Mutual Funds \u2013 The Calm Oases<\/strong>: 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.<\/p>\n\n\n\n<p><strong>5. Systematic Investment Plans (SIPs) \u2013 The Caravan Journey<\/strong>: SIPs in good mutual funds can potentially yield high returns over the long term. They also instil a discipline in investing.<\/p>\n\n\n\n<p><strong>6. Bonds \u2013 The Camel Ride<\/strong>: Corporate bonds from reputed companies can offer decent returns with relatively lower risk. However, ensure you&#8217;re wary of the credit risk.<\/p>\n\n\n\n<p>To sum up, targeting a 24% return with low risk is challenging. The investment world doesn&#8217;t usually offer high returns without associated risks. Thus, it&#8217;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, Maxiom Wealth\u2019s advisory services can guide you to your oasis.<\/p>\n\n\n<!-- mw-cta-block -->\n\n<div class=\"mw-cta-block\" style=\"background:#EEF3FC;border-left:5px solid #1C52A0;padding:22px 26px 20px;margin:36px 0 24px;border-radius:0 10px 10px 0;\">\n  <p style=\"margin:0 0 4px;font-size:11px;font-weight:700;color:#276FC4;letter-spacing:1px;text-transform:uppercase;\">Maxiom Wealth \u2014 Free Tool<\/p>\n  <h3 style=\"margin:0 0 10px;font-size:19px;font-weight:700;color:#113E81;line-height:1.3;\">Is Your Mutual Fund Working Hard Enough?<\/h3>\n  <p style=\"margin:0 0 18px;color:#444;font-size:15px;line-height:1.65;\">Two funds with similar star ratings can deliver very different outcomes. Use our fund comparison tool to check if you&#8217;re in the right scheme for your risk profile and investment horizon.<\/p>\n  <a href=\"https:\/\/maxiomwealth.com\/resources\/calculators\/better-funds-checker\" style=\"display:inline-block;background:#1C52A0;color:#fff!important;padding:11px 22px;border-radius:6px;text-decoration:none;font-weight:600;font-size:14px;margin:0 10px 8px 0;\">Compare Funds \u2192<\/a>\n  <a href=\"https:\/\/maxiomwealth.com\/meeting\" style=\"display:inline-block;border:2px solid #1C52A0;color:#1C52A0!important;padding:9px 22px;border-radius:6px;text-decoration:none;font-weight:600;font-size:14px;margin-bottom:8px;\">Talk to a Financial Advisor<\/a>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Investing \u20b920 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 \u2013 The Royal Forts: Historically, equity mutual funds in India have&hellip;&nbsp;<a href=\"https:\/\/maxiomwealth.com\/askguru\/2024\/04\/18\/i-have-20-lakh-rupees-for-investment-where-should-i-invest-to-get-at-least-24-return-per-annum-and-low-risk\/\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">I have 20 lakh rupees for investment. Where should I invest to get at least 24% return per annum and low risk?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[26,92],"tags":[],"class_list":["post-669","post","type-post","status-publish","format-standard","hentry","category-investments","category-strategies-investments"],"_links":{"self":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/669","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/comments?post=669"}],"version-history":[{"count":2,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/669\/revisions"}],"predecessor-version":[{"id":3879,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/669\/revisions\/3879"}],"wp:attachment":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/media?parent=669"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/categories?post=669"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/tags?post=669"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}