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Emerging investment options for retail investors in India
Emerging investment options for retail investors in India
While historically, Indians have preferred investing in physical assets such as real estate and gold along with FDs, things are changing. With macroeconomic and technological changes, we are now increasingly invested in equities, mutual funds and other financial assets. For many, this has generated wealth and a rapid increase in investors across age-groups and professions.
While equities/mutual funds are now well understood, here are some emerging options that can deliver wealth and also help diversify your existing investment portfolio.
With IndiaP2P, investors can choose from ready, diversified portfolios of fractionalized loans. Diversification and fractionalization reduce risk even for small-ticket investments without compromising on returns. The platform focuses on women business owners with successful prior loan repayment history as borrowers.
RBI regulations limit investments to 50 Lakhs per investor across P2P platforms. The minimum investment in IndiaP2P is Rs. 5000.
Example: Company A has supplied goods to company B and raises an invoice payable after 90 days of Rs.100,000. However, company A is in urgent need of funds and doesn’t mind taking a slight discount on the invoice value. Lenders will fund such invoices (paying Rs.95000 to company A against the invoice and will receive the full amount of Rs.100000 from the company B after 90 days when the invoice is due- making a profit of 5%
Minimum investment in invoice discounting starts from around Rs.50,000.
Minimum investment in crypto assets can start from as low as Rs.100. Presently a 1% transaction charge is applicable on every crypto asset purchase and a 30% tax on profits. Offsetting losses on one crypto with gains on another is also not permitted.
Thank you for reading.
Guest post by Randomdimes
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