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1. investments in Bank Fixed Deposits (FD)Fixed Deposit or FD is accrues 9.25% of annual returns for non-senior citizen, depending onthe bank's tenure and guidelines, which makes it's widely sought after and safe investmentalternative. The minimum tenure of FD is 15 days and maximum tenure is 5 years and above.Senior citizens are entitled for exclusive rate of interest on Fixed Deposits, current rate of

return is average 10% annual.

2. Investments in Insurance policiesInsurance features among the best investment alternative as it offers services to indemnifyyour life, assets and money besides providing satisfactory and risk free profits. IndianInsurance Market offers various investment options with reasonably priced premium. Some of the popular Insurance policies in India are Home Insurance policies, Life Insurance policies,Health Insurance policies and Car Insurance policies.

Some top Insurance firm in India under whom you can buy insurance scheme are LIC, SBILife, ICICI Prudential, Bajaj Allianz, Birla Sunlife, HDFC Standard Life, Reliance Life, MaxNewYork Life, Metlife, Tata AIG, Kotak Mahindra Life, ING Life Insurance, etc.

3. Investments in National Saving Certificate (NSC)National Saving Certificate (NSC) is subsidized and supported by government of India as is asecure investment technique with a lock in tenure of 6 years. There is no utmost limit in thisinvestment option while the highest amount is estimated as ` 100. The investor is entitled for the calculated interest of 8% which is forfeited two times in a year. National Saving Certificatefalls under Section 80C of IT Act and the profit accrued by the investor stands valid for taxdeduction up to

`

1, 00,000.

4. Investments in Public Provident Fund (PPF)Like NSC, Public Provident Fund (PPF) is also supported by the Indian government. Aninvestment of minimum ` 500 and maximum INR. 100,000 is required to be deposited in afiscal year. The prospective investor can create it PPF account in a GPO or head post office or in any sub-divisions of the nationalized bank.

PPF also falls under Section 80C of IT Act so investors could gain income tax deduction of up

to`

1, 00,000. The rate of interest of PPF is evaluated yearly with a lock in tenure of maximum15 years. The basic rate of interest in PPF is 8%.

5. Investments in Stock MarketIndian Stock market is very fluctuating. A smart portfolio positioned for long-term growthincludes strong stocks from different industries. Before investing in stock market one should be

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prepared to assume risk equivalent to sum invested in the market. Investing in share marketyields higher profits. Influenced by unanticipated turn of market events, stock market to someextent cannot be considered as the safest investment options. However, to accrue higher gains, an investor must update himself on the recent stock market news and events.

6. Investments in Mutual FundsMutual Fund firms accumulate cash from willing investors and invest it in share market. Likestock market, mutual fund investment are also entitled for various market risks but with a fair share of profits. One should select mutual fund schemes based on all or some of the followingcriteria:

Long term and Short Term PerformanceConsistency in ReturnsPerformance during bullish and bearish phasesFund Managers performance with the fund's operations

A simple way to select a mutual fund scheme to invest in is to select a 5 star or 4 star ratedfund from one of the following rating agencies:

ICRA RatingsValue Research OnlineMoneycontrol

7. Investments in Gold Deposit SchemeControlled by SBI, Gold Deposit Scheme was instigated in the year 1999. Investments in thisscheme are open for trusts, firms and HUFs with no specific upper limit. The investor can

deposit invest minimum of 200 gm in exchange for gold bonds holding a tariff free rate of interest of 3% - 4% on the basis of the period of the bond varying with a lock in period of 3 to 7years.

Moreover, Gold bonds are not entitled of capital gains tax and wealth tariff. The sum insuredcan be accrued back in cash or gold, as per the investor's preference.

8. Investments in Real EstateIndian real estate industry has huge prospects in sectors like commercial, housing, hospitality,

retail, manufacturing, healthcare etc. Calculated realty demand for IT/ITES industry in 2010 isestimated at 150mn sq.ft. around the chief Indian cities. Termed as the "money makingindustry", realty sector of India promises annual profits of 30% to 100% through real estateinvestments.

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9. Investments in EquityPrivate equity is a type of asset consisting of equity securities in private companies that are notpublicly traded on stock exchange.

A private equity investment will generally be made by a private equity firm, a venture capitalfirm or an angel investor.

Private Equity is expanding at a fast pace. India acquired US $13.5 billion in 2008 under equityshares and featured among the top 7 nations in the world. In 2010, the total equity investmentis predicted to increase upto USD 20 billion. Indian equities promise satisfactory returns andhave more than 365 equity investments firms functioning under it.

As ranked by the PEI 300, the 10 largest private equity firms in the world are:

1.TPG Capital2.Goldman Sachs Principal Investment Area3.The Carlyle Group4.Kohlberg Kravis Roberts5.The Blackstone Group6.Apollo Global Management7.Bain Capital8.CVC Capital Partners9.First Reserve Corporation10.Hellman & Friedman

10. Investments in Non Resident Ordinary (NRO) fundsInvesting in domestic (NRO) is one of the best investment alternatives for NRIs who wish to

deposit their income accrued abroad and maintain it in Indian rupees. The deposited amountalong with the interest is completely repatriable. Investment can be done in Indian financialinstitutions including the Non Banking Finance Companies which are listed with RBI. Theinterest returns accrued on in this account is entitled under IT Act and is subject to 30% taxreduction at source including the appropriate surcharge and education cess. The NRI investor can repatriate upto USD 1 million every year, for genuine reasons, by forfeiting valid tariffs.