Which platform is better for invoice discounting?

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Falcon is one of the leading P2P Invoice Discounting platforms in India where we connect blue chip companies with investors. We aim to revolutionize the investment market in India by creating a one-stop shop for all borrowers & investors.

Investing plans are adaptable to accommodate different levels of risk tolerance and expected rates of return. When it comes to investing, you need to be certain of the time horizon that you are looking at.

There is a wide selection of investment opportunities out there, including Public Provident Funds, mutual funds, stocks, bonds, real estate, equity shares, gold, fixed deposits, recurring deposits, and many others.

Some of these investment opportunities are included here. Plans for life insurance, personal retirement savings accounts (PPF), and, more recently, mutual funds have become three of the most well-liked investment vehicles among the general population. If you invest your money strategically, you may plan for a secure future and put some money away so that you can weather any financial storms that may come your way. However, the most important word to keep in mind here is intelligently.

There is a lot of confusion among people regarding which investment plans are the greatest and which ones are not appropriate for them.

They do not have a clear understanding of which plans are appropriate for investments over the near term and which are appropriate for the long run.

We begin with the reasons why you should invest and the things you need to be aware of before investing your hard-earned money by taking a look at the best investment plans that are now available in India. This will help you make the selections that are necessary for you to make while doing the investment and choosing the better investment plans in 2022.

Public Provident Fund

With the PPF, you can put away money for the future without worrying about taxes. Money saved under a public provident fund plan must remain in a bank or post office account for at least 15 years before it is distributed. This figure is used to compute compound interest, which is then applied to the principal. Beyond the initial 15-year investment period, an additional 5 years may be added.

At present (FY 2021-22), the PPF interest rate is at 7.10%.

Mutual Funds

Investing in mutual funds can be a good way to spread out your risk and potentially increase your return. Mutual funds are one of the best investment plans available today since they are less risky than the stock market but yet provide a dynamic opportunity to earn a high rate of interest over time. Investors in mutual funds should adhere to three fundamental principles: a systematic investing strategy, portfolio diversification, and effective portfolio management.

India's best mutual fund investment plans in 2022 include the HDFC Mid-Cap Opportunities Fund, ICICI Prudential Technology Fund, SBI Banking and Financial Services Fund, L&T Infrastructure Fund, Aditya Birla Sun Life Frontline Equity Fund, etc.

Capital Stocks

Investing in equity shares or the stock market directly is a riskier alternative that necessitates a deeper understanding of the market and a willingness to take on more uncertainty. The finest stock share investing plans generate higher returns over longer time periods than do shorter-term programs. Changing equity shares frequently and for short periods of time, however, might be dangerous.

• Property or Real Estate

The real estate market in India is booming right now, and it's a tried-and-true investment strategy. Investing in real estate has a number of benefits, including diversification (you can put your money into land, commercial, residential, retail, etc.) and low risk. When the market is at its lowest, the housing industry still provides a break-even profit margin.

Exchange-Traded Funds That Invest In Gold

Among all possible investing vehicles, gold exchange-traded funds are the clearest. Indians have a predilection for gold investments since the metal's value is very stable, with only minor changes. As an alternative to buying physical gold, ETFs have lower transaction costs and greater liquidity.

Accounts with a bank that are guaranteed by the company

It's true that bank fixed deposits pay less interest than company FDs, but the opposite is true for the opposite. However, neither the Reserve Bank of India nor any life insurance company has jurisdiction over them.

 Therefore, there is a higher degree of risk. Unlike bank FDs, which allow early withdrawal of funds, money invested in a company FD cannot be accessed until the maturity date has been reached.

Insurance Programs United Linked

Mutual funds that invest in both bonds and stocks are called ULIPs. The top ULIP investment plans provide portfolio diversification between stocks/bonds and life insurance cover, much like mutual fund investments. The funds are split between stock and bond investments and insurance premiums.

Taxable Bonds Issued by the Reserve Bank of India

The Bonds will have a maturity of 6 years carrying interest at 8% per annum payable half-yearly. The cumulative value of Rs.1000 at the end of six years will be Rs.1601/-.

The investment must have a minimum length of 7 years. Investors can buy these bonds with a Demat account, and they will appear in the investor's BLA (Bond Ledger Account).

Investors are not limited to these choices; rather, they can select from a wide range of alternative top-tier investing strategies. A few examples are the National Pension System, the Senior Citizens' Savings Scheme, and several post office savings plans.