Where To Invest Safely To Get Good Returns ?

POSTED BY Mukesh Agarwal ON December 13, 2010 3:09 pm COMMENTS (6)

Hello All Members,

I want some suggestion from you where to Invest, so that the amount invested should be safe and give good returns.

Curently i invest,

Rs 2000 PM in Postal RD from 2009,

Rs 1000 pm in PPF from 2008,

Rs 1000 in Sahara Real Estate from 2009,

Rs 1000 in SIP HDFC Top 200 from 2009.

I want to invest more Rs 3K Per Month to get good returns,(For More than 8 yrs). I am 24 years old with yearly 2Lakhs yearly package. So pls tell me in which sector now i should have to invest so that i should have lump sum amount in the next 10 year.


6 replies on this article “Where To Invest Safely To Get Good Returns ?”

  1. jignesh says:

    Sorry Mukesh Bhai,
    I was asking to Sidrana7 on his comment regarding VCA.


  2. jignesh says:


    1. Mukesh Agarwal says:

      @ Jignesh Ji

      Sir i Dinn’t understand what u said , If you dont mind please say in brife.


  3. Mukesh Agarwal says:

    @ Atul Ji & Sidrana Ji

    Thanks for your valuable suggestion.


  4. sidrana7 says:


    I see you are 24 and have been savings regularly. I am ashamed of myself looking back 7 years. Good going Mukesh. Please keep it up.

    From the total 8k (100%) pm corpus, you already have 40% (3k) in very safe investments in postal RD and PPF. New 40% (3k) may be able to take on higher risks. Although 25% (2k) is already includes high risk.

    But hey at 24 one can take much higher risk than at 42, right?
    As another idea how about investing monthly in Value Cost Averaging (VCA) method and thus ensuring your target returns?

    Best regards

  5. Atul says:

    Hi Mukesh,

    Safe and Good returns are contradictory. If you want good returns you need to take risk. If you want your principal intact (safe) then best options are FDs in good Public/Private banks, Post Office schemes, PPF etc.

    If you would like to take little risk and horizon of more than 5 years then stock and mutual funds are good options.

    (1) I am not sure about Sahara Real Estate. It was in news recently due to SEBI ban recently. Suggest get out of it and invest in good MF via SIP

    (2) Suggest to invest 3K in good funds like Templeton India, ICICI prudential Discovery etc.

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