If you have decided to invest your money in suitable schemes, assessing your risk appetite is one of the first things to do. Now, many investors do not want to go for a high-risk investment plan when they are just starting out. So, keeping that in mind, here’s listing the top ten investment plans that you can consider. These are low-risk but offer considerably good returns.

Money Market Accounts

The interest rate on money market accounts is higher than the savings accounts. Additionally, you get the flexibility of cash withdrawal up to a particular limit. If you can find the best market rates, you will get good returns.

High-Yield Savings Account

Savings accounts are a safe and assured way to get steady returns on your investments. Though the interest rate is lower than the high-risk investments, you can be assured that the money will grow.

Fixed Deposits

If you want a type of investment that is safe and offers long-term benefits, open a fixed deposit account. Fixed deposits come with a lock-in period during which you are not allowed to withdraw the money.

Corporate Bonds

Companies issue both high-risk and low-risk bonds. In this case, you need to choose the low-risk variety. Choose corporate bonds that mature during a short-term because the long-term corporate bonds are more affected by interest rate fluctuations.

National Savings Certificate

National Savings Certificates are basically savings bonds offered by the Government of India. These bonds provide tax deductions up to INR 1.5 lakh under section 80C of the Income Tax Act, 1961. You can start investing with as less as INR 100.

Fixed Annuities

An ‘annuity’ is basically a type of contract made with the insurance company. After you make an upfront payment, the company will give you a particular level of assured income within a fixed period.

Mutual Funds

The benefit of mutual funds is that they offer better long-term returns and capital appreciation than many other investment schemes in the market. The returns depend on the fund’s market performance, though they are higher than other investment options.

Series-I Savings Bond

The best thing about a series-I savings bond is that it adjusts itself for inflation, which helps to keep your investment protected. As the inflation increases, the interest rate is adjusted accordingly.

Gold Investment

Gold investments can be majorly beneficial in terms of stability and protection when the banking sector is going through a slump. Moreover, the demand for gold rises consistently, which also assures good returns.

Dividend Stocks

Stocks might not seem as safe as some of the other options mentioned above. However, they are definitely not as risky as other choices like futures or options. Dividend stocks pay good cash dividends and that limits the volatility factor.

The Endnote

Though these are all low-risk options, you need to choose one based on your financial goal. Are you trying to earn short-term or long-term returns? Make sure to answer this question before choosing an option.