15 Great Investment Opportunities to Invest Your Money

It does not matter what income you get in the bracket. Whether you are a coal miner or a million dollar entrepreneur, you have to invest your money in the right place so that you can get maximum returns from your investment.

15 Great Investment Opportunities

Then read the following article for 15 great investment opportunities to invest your money all over the world.

Based on your income level, we divided 15 opportunities into 3 different categories.

Investment Opportunities
Investment Opportunities

The first category is for higher income group, the second is for very high income class and the last is for salaried class and low income group.

So the following 7 opportunities are for high income groups.

  1. US Equities

If you are looking for long-term investment in stocks or equity then US stocks are the best for you.

Emerging market stocks are not looking very good. China’s industrial production and growth rate is slowing down and other western markets like Britain, Germany, France etc. are not showing good because of braxith.

However, the US market looks very good for a long period

So if you are looking for a higher return after 3 to 5 years then you can start buying shares of American companies like Google, Apple, Microsoft (low risk in technology shares) etc. listed on NASDAQ or S & P 500.

The amount you can invest depends on your income. You can start from $ 1000 and go up to $ 1000000.

Return on investment can easily be 10% to 20%. American equity is by far the safest bet.

  • Types of people investing: people with annual income greater than $ 100,000
  • Investment amount: $ 1000- to $ 10,000
  • Investment period: 5 to 10 years
  • Return to Investment: 10% to 20%
  • Risk involved: Medium to High
  1. Investing in ETFs

If you do not take too much risk, you can go for ETF or exchange traded funds if you want to go for long term investment in equity.

An ETF invests in shares which are constituents of the index.

If you believe that investing in the equity market is not safe, then ETF gives you the flexibility of a stock and the security of a fund.

There is a wide range of ETFs that you can choose. For example, stocks, bonds, real estate, commodities, currency etc.

ETF allows you to diversify your investment. If you were planning to invest $ 5000 into buying stocks, then with ETF, you can diversify your portfolio and S & P depositor receives $ 3,000 in receipts like three dollars and gold ETFs and Euro ETF $ 1000 each Can invest in

However, major losses with ETFs are brokering fees. Brokers can charge up to 10% per business, which is a large amount.

ETF is the option of equity.

  • Types of people investing: annual income more than $ 100,000
  • Investment amount: $ 5000 to $ 10,000
  • Investment Period: Not Applicable
  • Return to Investment: 10% to 12%
  • Incorporated risk: very risky
  1. Mutual Funds

People always ask if there is a better mutual fund or ETF. The answer depends on the type of investor you have.

If you are not an active investor and do not follow the market regularly, then the best investment option is mutual fund.

Investing in equity is risky but mutual fund comes with almost zero risk

You can go for actively managed mutual funds, there is no risk because your fund manager is going to make all the decisions

You get to choose stocks from different types of areas

Index funds: Index funds allow you to diversify and the risk is not high

However, there is a charge for the mutual fund and they charge you annual fee of 1.25% to 2%.

  • Types of people investing: Yearly income is more than $ 125,000
  • Investment amount: no limit from $ 1000
  • Investment period: 10 years to 15 years
  • Return to Investment: 10% to 12%

Risk Includes: Low Risk

  1. Bond

If you are not sure about equity or mutual funds, then Bond is another way to invest your money.

Bonds also provide you a wide range of options so that you can go for the right type of bond that gives you higher returns.

There are two types of savings bonds in the US, the series EE Bond gives you fixed interest rates and series that pays the adjusted interest for inflation rates.

The maximum amount of the EE series is $ 10,000 per person per year.

Private Bond: However, if you are a U.S. If you live outside, you can buy other private bonds which are under government regulation, and they will pay 8% interest rate for a period of 10 years.

  • Types of people who can invest: Medium income group
  • Investment amount: $ 5000 to $ 10,000
  • Investment period: 10 years to 15 years

Return on investment: 8% +

  • Risks include: High risk
  1. Items like silver, gold

In this article we will talk about investing your money in commodities. Both types of items are precious metals and precious metals like ETF.

The most precious gold bullion and coin is gold and silver fluctuations and there is a lot of risk in investing in gold bullion.

You can buy gold bullion; Bar or coin stores in a bank or house and sells to local jewelers whenever they get the right opportunity.

Depending on the market, the general return on investment can vary from 3% to 10%.

Now 1 ounce of gold is sold for $ 1323. You should avoid premium fees when you buy gold. The best premium charge should not be more than 10% otherwise you will not get any benefit while selling gold.

If you do not feel secure with physical gold then you can go for gold ETF.

  • What types of people can invest: High income household
  • Investment amount: $ 5000 no limit
  • Investment period: more than 10 years
  • Return to Investment: 3% to 10%
  • Risk involved: moderate risk
  1. Fixed or Term Deposit

Although fixed deposit is not for high income families, but still we have mentioned it here.

Fixed deposits or fixed deposits are the safest way to invest your money. The interest rate that you earn on your investment is much higher than the savings account.

Countries like the United States, Japan, Germany give very little interest rates to save bank accounts and fixed deposits.

If we talk about India, the investment period can start from 7 days (15 days, 45 days) and can go up to 10 years.

Return on investment can be around 4% to 7.50% depending on your investment time period.

However, it is worth the return on fixed deposits.

If the interest amount for bank fixed deposit is more than Rs. 10,000 then the bank deducts TDS on interest.

Tax rate is 10% if you have a PAN card and 20% deduction without PAN card

Therefore, if you are looking for long-term safe investment with 10% to 7% to 8% return, then the fixed deposit is the best.

Recurring Deposit: In India, the common people can deposit recurring deposits in a special type of FD where people can deposit money like EMI every month.

  • What types of people can invest: middle-income salaried class
  • Investment amount: up to 500,000 / –
  • Investment period: 10 years to 20 years
  • Return to Investment: 7% to 8%
  • Risk Includes: Very Low
  1. Term Deposit of the Company

Many people who do not like bank fixed deposits can go for a company or corporate term deposit.

The only reason to invest in a company FD is the high interest rates. A top rated company FD Bank offers very high returns on 10% to 12% compared to the FD.

To get higher returns you will have to choose the right investment period so that you do not withdraw money before maturity.

Although things are not easy

Investments in company FDs include risks compared to bank FD.

For some time it happens that due to the risk of a high rated company FD risk, the low rated company gives a lower interest rate than the FD.

So if you are interested in long term investment with some risk, then the company is better than FD Bank FD.

  • What types of people can invest: High income salaried class
  • Investment amount: 500,000 to 100,00,00 / –
  • Investment period: more than 10 years
  • Return to Investment: 10% to 12%
  • Risk Includes: Medium Risk

Now for the investment opportunities in the list, there are people with high income income. I mean the minimum investment amount is $ 500,000 and the maximum is $ 1 million.

  1. IPO

The first is the IPO (or the initial public offering), it is not a stock market launch of a new company, where the shares are sold to institutional or large investors and they sell to the general public like you and me.

This can be the easiest and fastest way to get the maximum return on your investment. To invest your money, you have to choose a company that is going to be the winner.

Although the risk is very high and only high risk investors can think of investing in the IPO.

If you are an insider and have sufficient knowledge about the company then you can invest in the IPO. Otherwise stay away from the IPO.

Investors can reduce risks through research and choose an IPO which is a powerful underwriter, rather than less prestigious one.

  • What types of people can invest: $ 500,000 plus income year
  • Investment amount: $ 50,000 to $ 100,000
  • Investment Period: Not Applicable
  • Return to Investment: Not Applicable
  • Risks include: too much risk
  1. Invest in a Growing Business

You must have heard about seed financing. Instead of starting a new business from scratch, why can not you invest in a business that is going to succeed?

Please remember that investing in a business is very different from lending, here you pay and become a new company’s co-owner or start-up.

You are also entitled to the percentage of total business and regular income stream.

However, in order to invest in a successful business, you have to make the right decision at the right time. Otherwise you can lose your money

You must also take an active interest in the business and be guessed whether the business model is working or not.

There is a worldwide number of stories for the most valuable start-up, where investors have earned 1000 times their return investment.

I am not saying that you have to invest in a start-up like this. But you choose a small company where you can invest $ 50,000 to $ 100,000.

  • What types of people can invest: $ 1 million per year income
  • Investment amount: $ 50,000 to $ 1 million
  • Investment period: 5 years to 10 years
  • Return on investment: Depends
  • Risk involved: Medium to high risk
  1. Peer to Peer Lending

Peer to peer toeing is a new form of investment. It has not been for more than 5 years

Here you lend money to others and you pay back the interest rate

The interest rate depends on the amount you are willing to lend. Usually, in the same way as investors, the landing club is offering 5% to 7% interest.

Your investment can start from $ 5000 and the upper limit is not

Peer borrowing can be risky because your money can go by default and you can reduce money.

Apart from this, there is no concept of peer landing outside the United States.

  • Types of people investing: $ 25,000 per year income
  • Investment amount: No limit to $ 5,000
  • Investment period: 5 years to 10 years
  • Return on investment: Depends
  • Risks include: High risk
  1. Real Estate

Investment in real estate can be the most valuable investment opportunity.

In many ways you can invest in real estate.

Buying the most common property is you buy property to rent, to house capital for profit or quick profit on sale.

When buying a property, you have to take care of all these things as you have to factor into taxes.

But the best way to invest is buying a property and selling it for capital gains.

Here you will have to look around the world where you think the price is low but it can increase in the coming years.

Rates for rates in Dubai are flat though property prices in Manhattan, New York are on the rise.

However, if you take Hong Kong, prices have increased by 137% in recent years. Due to the falling property prices, India is currently a good market.

So you have to see a right city and buy now so that you can sell later for higher prices.

  • People who can be invested: $ 250,000 to 1 million annually
  • Investment amount: Depends
  • Investment Period: up to 5 years
  • Return on investment: High
  • Risk Includes: Medium Risk

The following investment opportunities are more suitable for people with fixed income, especially those who have retired or government employees living in the US and elsewhere.

If your investment amount is regular and you do not want to take any risk with your money, go for the 3 spot

  1. Pension schemes or Public provident fund

Provident fund is the most popular form of long-term investment. If you are a common man with average income then you are definitely going to invest in provident fund.

Income tax is free and interest earned by you is more than 8%.

Once you open a PF account in a bank or post office, funds are withdrawn for the next 15 years. You can increase the lock time for more than 5 years.

You earn compound interest of 8% on this account.

Although you are allowed to withdraw the amount after 6 years, before you can not withdraw any money.

PF is really good for those who work in the government sector where monthly income is fixed.

  • Types of people investing: low income salaried class
  • Investment amount: depends on your salary
  • Investment period: 15 years to 20 years
  • Return on investment: 8%
  • Risk involved: no risk
  1. IRA and 401 (K)

If you are looking for investment opportunities in other pension plans, then the IRA (Personal Retirement Plan) and 401 (K) are the best options to invest.

Although there are many types of IRAs but traditional IRA and Roth IRA are the best.

If you are a conservative investor and do not want to take any risk in investing your money, then Roth IRA is the best option. Your investment is 100% safe.

Roth IRA provides you more access and withdrawal in Roth IRA is usually tax-free, whereas the traditional IRA does not give any tax benefit when you withdraw money before retirement age.

Similarly, investing your money in 401 (k) also gives you tax benefits. However, investment in 401 (k) due to high cost and poor investment options can be a rip.

  • Types of people investing: Salaried classes
  • Investment amount: $ 1000 to $ 5000
  • Investment period: 5 years to 20 years
  • Return on investment: 5% to 8%
  • Risk involved: no risk
  1. Tips like Traps Securities

If you are still looking for diversification of your investment portfolio, then go for Treasury Securities.

Some commonly known treasury securities are bills, notes, bonds and TIPS (or treasury inflation-protected securities).

Bills and notes are for a very short period (for only one year) and bonds can be risky.

So the best option is the tips. TIPS is most suitable for those with regular income or salaried classes.

The principal inflation is protected here and it grows because inflation increases and decreases with deflation.

Once you get maturity, you are either paid the principal or the original principal is paid whatever is more. So this means that you do not want to lose any money invested in TIPS.

  • Types of people investing: Salaried class with middle income category
  • Investment amount: $ 100 minimum purchase
  • Investment period: 5 years to 30 years
  • Return on investment: 5% to 6%
  • Risk involved: no risk
  1. Collectibles

We have talked about investment opportunities for people of different household income. We have mentioned about high income groups, very high income groups and salaried classes.

But I did not talk about those who collect art as a hobby.

So my last investment opportunity is devoted to those who are furious art collectors.

You can invest your money in artwork, antiques, coins, paintings, precious stones like panna, ruby, topaz etc. and even liquor.

There are buyers in this world who are ready to throw $ 1 million just for a painting or artwork.

You should be smart enough to buy these mass items at a lower cost as an investor and sell it at a higher price.

  • Types of people investing: Avid Art collectors and not for everyone
  • Investment amount: $ 1000 to $ 500,000
  • Investment Period: Not Applicable
  • Return on investment: 50% to 1000%

Risk Includes: Low Risk

These were 15 best investment opportunities for all types of people, low income, moderate income, high income and very high income.

Harvilas Meena

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