Where should I invest money for getting higher return?

[justAply]

I have a little bit of my savings & I want to invest it but I'm confused where to invest that money so that I can have a good return.

Whether I should invest In FD, RD or go with Mutual Funds.

Please, suggestions are welcome.

[disneysteve]

We need a lot more information.

You also stated in another thread that you have a 550 credit score so there are some very serious financial issues in play here.

If you'd actually like help, the more details you can provide, the better.

Age
Marital status
Income
Monthly expenses
Debt (balances and interest rates)
Current savings
What % of income you are saving for retirement and in what way

That would be a start.

We can't tell you how to invest without knowing all of that stuff as well as what it is you are investing for.

[snafu]

I want you to be successful! Your question leads to a lot of other questions. For example...do you contribute to an employer's retirement program? Does the employer contribute any matching sums or do you leave that free money 'on the table?'
Do you have a ROTH?
What is your RISK tolerance? Are you willing to look at a few on-line questionnaires.

How will you feel if the market does it typical roller coaster flutters?
Is it money mentioned in your post for long term retirement, ROTH or kind of a Las Vegas 'gamble?'

[james.hendrickson]

Another consideration is asset allocation.

In the long run, assets like stocks tend to be better than bonds or cash. So if you are looking for higher returns, you might consider putting more of your wealth into stocks.

Now, the other posters here are exactly correct. What a "better return" means will depend a great deal on your own personal situation.

[Jluke]

VTI and BND.

80:20 70:30 or 60:40 for asset allocation.

[justAply]

Another consideration is asset allocation.

In the long run, assets like stocks tend to be better than bonds or cash. So if you are looking for higher returns, you might consider putting more of your wealth into stocks.

Now, the other posters here are exactly correct. What a "better return" means will depend a great deal on your own personal situation.

I have got my answer, Thanks

[disneysteve]

I have got my answer, Thanks

What did you decide to do?

[Jluke]

What did you decide to do?

I imagine he's going to invest in "stocks" based on what James said in his second paragraph "in the long run..."

[justAply]

I have decided to invest in shares by analyzing the market or simply I'll go with Mutual Funds as I'm planning for long term.

[justAply]

I imagine he's going to invest in "stocks" based on what James said in his second paragraph "in the long run..."

Yes you are right

[disneysteve]

I have decided to invest in shares by analyzing the market or simply I'll go with Mutual Funds as I'm planning for long term.

I can't help but point out that you didn't provide any information for us to know how you should invest this money. What James posted is true but may or may not apply to your situation.

The fact that you've got a very poor credit score suggests that you have some debt issues that need to be cleaned up. That may be a much higher priority than getting involved in the stock market right now, but we have no way to know.

If you actually want useful advice, providing the answers to the questions I asked above would help us help you.

[Sam1000]

Invest In Stock Market with Proper Financial Advise . & It depend On Your Risk taking Ability Too if You Modest risk taker Than go With Mutual Fund.

Don't go With FD's !!

[clatoden99]

Well,

It is good that you are planning for investment .

But before to investing , You should understand the basics of investment and return:

There are multiple investment avenue where you can park you money and get returns I will suggest you to first define your financial goals and then invest.This process will give a direction to your investments.

Asset Class:

Stocks : The investment are high risk with options of high return, You may double your money or erode your principle. It is depend on your risk capacity and asset quality , where you are planning to invest.

Mutual Funds : there are multiple equity asset class , you can select .Equity:Equity Mutual Fund, Debtebt Funds among them as per your risk profile. These investment are moderate in risk behavior

Fixed Deposits and PPF: Low risk with low return

Investment Horizon:Equity asset class is for long term goals which are more than 5 yearsDebt Asset class is for short term goals which are less than 5 yearsExpected Returns: (Post Tax):Equity: 12%+Debt: 6 to 8%Happy Investing!!!