Which according you is the best kind of investment ? Property, Stocks or Bank ..

@kiran8 (15348)
Mangalore, India
October 9, 2009 4:04am CST
No doubt that unless a person is already rolling in cash, making frugal choices and finding ways to save money is much, much more effective than maximizing one's investments. But when we are able to put away some money, i is best to invest it to maximise the gain. There are a number of opportunities to do this. I would think Property to be the best investment , but it is expensive and needs a lot of care. It is a long term investment that is definitely worth investing in Next comes Stock market, where the returns are very quick and with luck one can multiply money many folds in a matter of a years time, but, there are certain risks involved too.. The safest investment is keeping the money in a fixed deposit in a bank . But here the returns are very average . One can also go in for Insurance and retirement policies which also provide a long term investment. Friends, which according to you is the best form of investment ?
2 people like this
11 responses
@tutul0045 (2630)
• India
9 Oct 09
Hey, Well i guess investing in Gold is the best way of investment. Gold is something which is not so long term investment and also can be sold, if required urgently. Think about any property, If u are in need of urgent money then its the not the place which you will look for. Secondly if u buy stocks, u got to have proper knowledge of it first. One cannot invest in stocks just because MR. X has invested in stocks and making money. That is wrong. It needs some knowledge and then its risky too. Third comes bank deposits. Well its the safest way to invest. But here also i would think about the time period. I will only invest in a bank if iam looking for a short term investments. If i have time, then i will buy equities and if i have more time and more money then I will buy Gold. Then ofcourse by selling my investments i can buy a huge villa Cheers, Tutul
1 person likes this
@kiran8 (15348)
• Mangalore, India
14 Dec 09
Hi tutu, what you say does make sense. If you need money urgently then only gold and money kept in the bank comes in handy..
@dpk262006 (58679)
• Delhi, India
9 Oct 09
Hi dear! I fully agree with you that investing in property is the best bet for multiplying your money. Stock market comes next. Some of our relatives, who bought houses (read flats) ten years ago say at the cost of Rupees.100,000/- are not getting a premium of nearly thrice the cost of the original price. I think that rates of property shoot up more than gold and stock market. However, it is not an easy option to buy a property and to maintain the same as it requires lots and lots of money, which we middle class people can ill afford.
@kiran8 (15348)
• Mangalore, India
12 Oct 09
Hi deepak, I too agree with you. Property is the best investment with very little risk since you have the property at hand unlike stocks which might collapse at any time. I too have always felt that even a smaller property within ones reach , buying, even by taking loan is a worthwhile investment - have a nice day
@dpk262006 (58679)
• Delhi, India
12 Oct 09
Yes, Kiran even buying a property after taking loan could be a fruitful proposition and it may pay well in the long run.
@kiran8 (15348)
• Mangalore, India
14 Dec 09
You know Deepak, the kind of profit one makes with properties is phenomenal...My aunt had bought a site in 1989 for Rs 25,000 in a then developing layout in Bangalore. Today it is worth nearly 65 lakhs !! I too think that property is probably the best investment ever..have a great evening
@Sreekala (34312)
• India
9 Oct 09
Hi Kiran, Out of the three methods you are suggesting, I think investment in property will be the best. Now many are following the same method because there is no risk and you can expect anytime a value higher than you spend. May be the same reason, the price of property is shoot-up much. Regarding stock market and fixed deposit you already mentioned the draw backs. Stork marketing is really risky one but in case of fixed deposit you won’t face any lose at least.
@kiran8 (15348)
• Mangalore, India
14 Dec 09
Hi Sreekala, I too agree with you in that property is the best investment. The only disadvantage here is that you do not have ready cash with you for emergencies...So it is better to split one's savings into bank deposits, shares and of course property..all the best, have a great evening Sreekala
@JenInTN (27514)
• United States
10 Oct 09
Hi kiran! I am investing around 4% in a 401K account. I think that the best investment option at this point and of course where I am at is in property. If someone had the means to purchase property at this point..they would probably be very well set witin the next ten years. I think that the stock market is very unstable right now but the truth is that nothing is really going to get a lot better unless people do feel more comfortable about investing in it. I switch my 401k depending on how I feel. I was allowing more risky investment options a few years ago but when everything started looking down..I changed to a fixed option.
@kiran8 (15348)
• Mangalore, India
14 Dec 09
Hi JenInTN, thanks a lot for your response. I think most of us feel that property and bak deposits are the best since they balance out...all the best and have a great evening Jen
@magickat (381)
9 Oct 09
I would have to go with property as although prices do fluctuate, as a long term investment property is the safest. It will never lose its entire value and prices are always relative within the market.
@kiran8 (15348)
• Mangalore, India
14 Dec 09
Hi magickat, thanks a lot for your response I too agree that property is the best long term investment...It has only appreciated over the years, at most the prices might stagnate or come down for a while, but is bound to go up again..
@rg0205 (2636)
• Hong Kong
10 Oct 09
Deciding on what type of investment is the best for you depends on what your goal is and where you are in your life. ALL of the above make good investments but it depends on your profile. It also depends on the climate of the type of investment. Property investments are something that I would say are long term and yes, they do cost to maintain. However, anyone that has properties know that they are not liquid assets. By this, I mean, you cannot sell them immediately. It takes time to get a buyer and you're lucky if you're able to sell, the processing takes time. This would be okay if you're not in need for immediate cash. It's also not too bad if you're looking for long term investments wherein you're in the market to buy cheap properties and you're out to wait until the value rises. Stocks, bonds, securities and forex is also a good investment but again, the type of stocks or securities/equities you buy into depend on what you want to achieve. There are short selling stocks which are fast trades, forex is also one that liquidates quickly. There are also some where you can have monthly draw downs of your profit. There are also stocks that are for long term which you cannot sell for a certain number of days. Those ones are normally for long term investments. I would agree that a time deposit is a safer option but the rates aren't very good if you don't have a lot of money in the bank. I don't believe there is such a thing as "best" investment. I do, however, think that there is something that can suit each of our requirements. Personally, I would keep it balanced and have all of the above.
@kiran8 (15348)
• Mangalore, India
14 Dec 09
Hi, thanks a lot for your response I too would agree with your view that it is better to be balanced and make varied investments. Property though is a safe and best bet is not liquid asset - it happened with us once when we needed cash urgently, we had to borrow from a bank since our money was held up in shares and property..
@kalav56 (11464)
• India
9 Oct 09
Kiran !Hullo , how are you? You don't visit mylot much these days!!!!Anyhow, coming to the topic, according to me, investing affordable savings in stock market would be my first choice.I would naturally say this after HAVING beEN steeped in the market for twenty years and having faced enough ups and downs and swum against the current. Moreover, with chartered accountants in my place it is the expected thing.A house may be needeed to stay but as an extra asset it is much more cumbersome to manage.Stocks are liquid and if they are chosen wisely and held for growth they would definitely be the best. But, for this constant monitoring is needed .As you yourself know very well, we would have to take some firm decisions, be a bit sacrificing for this and have avery long term perspective.
@kiran8 (15348)
• Mangalore, India
12 Oct 09
Hi kala,not been at home, have been traveling of late. Hope all o;k with you. you must be busy, will email you ( thanks a lot)... I agree that stocks are very good investments esp if one goes for a long term investment and is able to sell keeping a certain amount of profit margin, it is only when one is greedy that the problem comes in... Have a nice day and happy mylotting
• United States
9 Oct 09
Property is definitely my first choice of investments. Just remember, to buy low, sell or rent at a low to moderate level, and you will keep your houses full. Many people look for such a wonderful person to sell them or rent them an affordable place. You make money, and they have a home, so it' a win win situation on both sides. As far as insurance, that could end up not being such a good investment, depending on who, where, and what you invest in. Lately the fly by nighters, pick up a lot of investors and customers, and then the business folds. Everyone looses on those deals.
@kiran8 (15348)
• Mangalore, India
12 Oct 09
Hi Shirley, thanks a lot for your views and helpful details I agree wholeheartedly with that. There is no investment like property, and the next would be money kept in a nationalised bank, which though may not earn much, will be safe earning some interest..
@lifeplayer (1007)
• Malaysia
9 Oct 09
Stock is the fastest way to double your money but the risk is very high compare to property. Property is not giving high revenue but the risk is low. So, i will choose property as well since i not dream to be rich but own some property enough for my life spend. Bank revenue is very low, if you want to go for the bank, better invest it on the fund
@kiran8 (15348)
• Mangalore, India
14 Dec 09
Hi, I too agree that though shares bring a lot of profit in a short time, it is highly risky...One should be able to get out and get in at the right time to make money out of stock market...property seems to be the best investment now.
@tixepower (1195)
• Sweden
9 Oct 09
Banks would be the best because they are trusted but with other investments you get more money soo..
@kiran8 (15348)
• Mangalore, India
14 Dec 09
Hi, bank interests are very low , so not much earning when you keep your money in fixed deposits. One can keep part of one's savings in a bank deposit..
@1anurag1 (3576)
• India
9 Oct 09
First of all you invest to gain profit. and where the chances of profit there are the chances of loss too. so i think you must go ahead and invest with the proper balance of security and profit. so in my view whether the shares get down, there is no hundred percent security. so the good investment is the investment in property. this is my own view. thay is steady in most of the cases
@kiran8 (15348)
• Mangalore, India
12 Oct 09
Hi anurag, yes I agree property is a solid investment, and it is bound to appreciate as we have seen all through time- all the best