India: an attractive investment destination for overseas Indians

India: an attractive investment destination for overseas Indians 

India's economy is the purchasing power parity (PPP), based on one of the largest in the world. It is available today a large human resource base, diversified natural resources and strong macroeconomic fundamentals of the most attractive investment opportunities in tourism destinations. 

India's investment market offers a number of investment channels. However, the major asset classes that investors choose to do risk appetite of investors. Each investor looking for investment security before a specific element - a guarantee of unfortunate events market circumstances, even in his / her back to at least the capital invested. 

A higher level of security, with a "cost": investors will have to compromise in return respect, one can not expect a higher security and higher returns. 

Low-risk return on investment will be low to moderate, ie, up to 9%, in some cases, even less after-tax returns. So it would be ideal if investors can have a combination of asset classes with different risk levels, to address security and return. 

NRIs investment options in India 

If you are considering investing in India, especially in the real estate to make money, you need to first determine your financial goals. You need to make money quickly, invest in your child's college fund, or build wealth for your retirement? Once you determine your financial goals, you need investment advisers to help investors with their long-term investment planning. 

Unlike a broker, consultant to do more in-depth work to develop the client's investment strategy to help them meet their needs and goals. Consultant behind the idea is that they become a long period of time on the client's investment strategy. Investment adviser's job is to actively monitor the customer's investment, and continued efforts with the client's goals change over time. 

Some of the major overseas Indian investment options are: 

Short-term approach 

Savings Bank Account: This is the main savings products, anyone would have, but it provides 4-5% of the low rate of return. Any of the funds in the account is justified, if the balance is sufficient to meet the needs, should occur within a month, because it provides the highest liquidity. 

Savings Plan (Bank FD): Bank FD with a fixed term investment like a lock-up period. Although early withdrawal, it needs a 'punishment'. Importantly, this investment plan because it comes with a fixed term / Lock. " 

Long-term approach 

Post Office Savings Plan: This is one of the most favorite and most believe recurring deposit in the form of regular savings sought after by investors. There are other investment opportunities, such as national savings certificates, PO deposits similar to the FD term of five years, also offer tax benefits U / S 80 ℃. 

Public Provident Fund (PPF): PPF provides multiple benefits good returns@8.8%, low-risk, tax-exempt interest and tax benefits U / S 80 ℃, but this road mobility is low, as one can begin to withdraw only from the seventh financial year onwards, to adhere to certain limitations, and quit.