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Top 5 Investment Options in 2022 for Healthy Returns

Top 5 Investment Options in 2022 for Healthy Returns
  • 26th Apr 2022 |
  • 1,579

Today one of the essential parts of wealth creation is investing in the right financial tool. Investing not only helps you in adding up to your monetary account and helps you stay in sync with inflation, achieve your financial goal, and nurture your financial future. Many people prefer holding large amounts of liquid assets in their bank accounts, which gives them a basic return. Instead, if that money is wisely planned and invested, it can help keep them financially stable over the years and their financial growth.

So to improve your savings, you can opt for the best investments in 2022. You can invest your money that is sitting ideally in the bank into different investment avenues like stocks, equities, debts, ULIPs, Mutual funds, or highly safer options like PPF, Fixed Deposits. However, with so many financial avenues available in the markets for investment, one can easily get confused and cannot decide on the right one for their financial goal. As selecting the right investments for 2022 may be challenging for many, we have prepared a list of the best way to invest in 2022.

Let’s look at the options for the best investments in 2022 that can help you grow financially.
We looked through the market and analyzed all the available financial plans that can serve as the best investments in 2022 for a healthy return in both short-term and long-term tenure. And after discussing with the experts, we select the five best investments for 2022 that will offer you more growth and flexibility over other market investment avenues. Here is a brief discussion about the options mentioned above:
Recently the popularity of ULIP has been soaring to a new high. After implementing new regulations in Budget 2021 to prevent misuse, ULIPs have become the favourite choice of investors. Additionally, the features that ULIPs offer are at par with any other investment option. And at the same time, it comes clubbed with insurance, which is pure icing on the cake.
Stocks can be considered a financial asset that can be easily encashed. They represent your share of ownership in an entity or a publicly listed company on a market index. Therefore, stocks are a great option to consider as long-term investments for 2022 to earn generous profits and returns. However, as it is a financial asset directly linked to the market, it is highly volatile and a high-risk investment. There are also chances of capital loss in stock-related investments. However, if you understand the money market and know the right companies to invest in 2022 from a long-term and futuristic perspective, they can create great wealth.
Managed by fund managers, mutual funds are an investment tool that pools money from people and invests it in bonds and stocks of different companies to yield returns. They offer a good return even at a smaller deposit amount.

5 Best Investments in 2022 for Healthy Returns

1. ULIP

Recently the popularity of ULIP has been soaring to a new high. After implementing new regulations in Budget 2021 to prevent misuse, ULIPs have become the favourite choice of investors. Additionally, the features that ULIPs offer are at par with any other investment option. And at the same time, it comes clubbed with insurance, which is pure icing on the cake.

Top features of ULIPs

  • High flexibility
  • Suitable for both short-term and long-term investment
  • Allows fund switching
  • Clubbed with insurance
  • Top-up premium
  • Decent return

2. Stocks

Stocks can be considered a financial asset that can be easily encashed. They represent your share of ownership in an entity or a publicly listed company on a market index. Therefore, stocks are a great option to consider as long-term investments for 2022 to earn generous profits and returns. However, as it is a financial asset directly linked to the market, it is highly volatile and a high-risk investment. There are also chances of capital loss in stock-related investments. However, if you understand the money market and know the right companies to invest in 2022 from a long-term and futuristic perspective, they can create great wealth.

Top features of Stocks

  • Ability to generate very high returns
  • Can be easily converted into liquidity
  • Tax-efficient dividends & capital gains
  • Outpaces inflation, with good return in the long-term
  • Highly flexible and can be traded on a daily to decade basis

3. Mutual Funds (MFs)

Managed by fund managers, mutual funds are an investment tool that pools money from people and invests it in bonds and stocks of different companies to yield returns. They offer a good return even at a smaller deposit amount.

Top features of MFs

  • Can be used as a short-term and long-term investment
  • Easily convert to Liquidity
  • Affordability
  • Money is managed by professionals

4. Fixed deposits (FDs)

If you are an investor who prefers investing in low-risk options, then Fixed deposits can be the best way to invest in 2022. All you have to do is study the market and look for trustworthy companies to invest in 2022. Most banks, NBFCs, and post offices offer options for FDs.

Top features of FDs

  • Low-risk investment
  • Offers both short-term and long-term investment options
  • Secured returns on the principal amount
  • Can start with small investment values

5. Public Provident Funds

What can be much safer than an investment plan of the government itself? This is where PPF comes into the picture. It can be regarded as one of the best investments in 2022. While offering a decent return on investment, PPFs give you commendable tax benefits. The principal amount invested, the returns and the maturity are tax exempted.

Top features of PPFs

  • Highly reliable
  • Best long term investment option
  • Allows partial withdrawals like ULIPs
  • Requires minimal investment amount as low as ₹500/annum

The best way to invest in 2022 is to follow the requirements of your financial goal and choose an investment plan accordingly. However, the options mentioned above are some of the best to add to your portfolio.

Kotak e-Term Plan

Features

  • Nominal Cost
  • Multiple Plan Options
  • Flexible Payout Options
  • Critical Illness Rider
  • Tax Savings
  • Long term Coverage

Ref. No. KLI/22-23/E-BB/492

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