Investment Options

For Salaried Person

Abhilasha Gupta
1
 What is Investment ?
Investment is something that is done
in theexpectation of future returns.

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Why should I Invest?

Wealth Family
Creation

Starting Early
Business Retirement

Social Car/Bike/
Status Vacation

Dream
Home

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How m uch I Should Invest?

Emergency
Fund

Before
Track of
Monthly An Term Plan
Expense INVESTMENT

Health
Insurance

Investment = Salary – Expenditure

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Investment Options

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E P F (Employees Provident Fund)

Parameter
ROI 8.65%

Tax Saving Yes

Lock In Period NA

Offered By Government of India

EPFO India
ROI decided by
(www.epfindia.com)
10% if withdrawn before 5
Tax on Return
years

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E L S S (Equity Linked Saving Scheme)
Parameter

ROI 12-16%

Tax Saving Yes

Lock In Period 3 Years

Offered By Banks/Financial Institutes

ROI decided by Equity Allocations

Tax on Return No

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NPS (National Pension Scheme)

Parameter

ROI 8-14%

Tax Saving Yes

Lock In Period Till 60 years of age

PFRDS (Government of
Offered By
India)

ROI decided by Fund Managers

Tax on Return Yes

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 PPF (Public Provident Fund)

Parameter

ROI 7.9%

Tax Saving Yes

Lock In Period 15 Years

Offered By Banks

ROI decided by Government of India

Tax on return NO

Features:
• After 5 years you can withdraw 60% amount of PPF amount
• Loan Facility Available

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 Life Insurance

Parameter

ROI 4-5%

Tax Saving Yes

Lock In Period 3-35 Years

Offered By Insurance Companies

Predefined by Policy
ROI decided by
Sum Assured

Tax on Return Depends on policy

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 Equity

Parameter

ROI 1-100%

Tax Saving No

Lock In Period NA

Offered By NSE/BSE

ROI decided by Performance

Tax on Return No, after one year

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 Gold
Parameter

ROI 10-25%

Tax Saving No

Lock In Period NA

Offered By Banks/Jewelers

ROI decided by Gold Demand

Tax on Return Yes

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Fixed Deposit (Banks)

Parameter

ROI 8-10%

Tax Saving No

Lock In Period 1-20 years

Offered By Banks

ROI decided by Predefined by banks

Yes according to your

Tax on return
income slab
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 Mutual Funds

Parameter
ROI 1-35%
Tax Saving No
Lock In Period NA

All Financial and non

Offered By
financial institution

Fund manager
ROI decided by
performance

Tax on return No, after one year

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Thank You!

Abhilasha Gupta 15