Forget the stock market, here are the top 8 investment ideas to make money

Diversifying one’s portfolio beyond stocks is essential in the current market. Many times experts have emphasized the diversification mantra. “If you are looking to create wealth and enhance portfolio performance, you must go beyond stocks and mutual funds and create a diversified portfolio. Fortunately, there are several investment options that are not linked to the stock market that you can use to achieve this goal,” said Nikhil Aggarwal, Founder & CEO at Grip.

Livemint spoke with 3 personal finance experts who suggested some options you can explore in 2023 to build wealth outside the world. stock market. Let’s find out the top 8 ideas for investing to accumulate huge wealth.

1) Corporate bonds

You can invest in corporate bonds if you want to make a steady profit over a 12 to 36 month period. This investment is ideal for risk-averse investors looking to beat inflation, earn more on fixed deposits, and move idle funds in their accounts. saving account into an asset can earn up to 11% YTM. “You should choose corporate bonds listed and rated here because they give you an extra layer of credit,” says Nikhil Aggarwal.

2) Digital Gold

digital gold is a method of investing in physical gold. It, like regular gold, can be purchased online and stored by the seller on behalf of the customer in insured vaults. You can buy or sell 24 karat Hallmark gold for as low as $first.

“Given the current macro conditions, investing in gold through an ETF, digital gold or even through sovereign asset bonds is an interesting option,” Sucheta Mahapatra MD at Branch International, India Degree said.

3) Fixed deposit

Term deposits are a safe form of investment, ensuring stable interest rates, especially interest rates for the elderly. To combat inflation, the RBI has raised the repo rate by 225 basis points since May, reaching 6.25% in fiscal 2023. The repo rate hike has made exchange rate FD more profitable for investors. According to Sucheta Mahapatra, term deposits can also be considered. “More than 3 years FDs are currently offering yields up to 7%,” she said.

4) Real Estate

For those with a long-term investment vision, real estate is an interesting class to appreciate especially through newer tools like REITs and fractional real estate investment through digital platforms, Sucheta Mahapatra said.

5) Peer-to-peer (P2P) lending

Peer-to-peer lending is a great way to earn 10-12% interest. Satyen Kothari, CEO & Co-Founder of Cube Wealth says that investors should see it as a means to diversify their portfolios outside of the stock market. “This option is now available to ordinary investors,” he added.

“There are platforms that allow you to do this where people who need liquidity can borrow from you and you earn a higher interest rate than from your FD savings account. In such cases, it is important to properly identify the platform with a solid track record and a low or no NPA (non-performing content). “You can also lend money to institutions instead of individuals in some cases, which gives you an extra layer of trust,” says Nikhil Aggarwal.

“I wanted to reframe the goal of making a return that aligns with risk appetite. Apart from equities, the Indian market has matured to feature a wide range of assets with an attractive risk-reward profile. For example, P2P investing is emerging as a fast-growing type of investment. They offer higher returns than fixed deposits or government bonds, have low barriers to entry, are easily accessible, and are backed by trusted platforms with effective risk management ,” Sucheta Mahapatra explained.

6) Rental property

Property leasing is a lesser known investment option that allows you to invest money used to lease physical assets to businesses and receive a consistent return on them. “It can get you up to 12 per cent profit after tax,” says Satyen Kothari.

“This is an asset-backed alternative investment option that can help you earn a fixed non-linked market return by leasing assets to companies. This type of investment can give you a pre-tax IRR of up to 22%,” says Nikhil Aggarwal.

7) Startup Equity

You can also explore Startup Equity for long-term goals if you’re willing to take on a higher risk-reward ratio. Investing in high-growth, early-stage companies can help investors take advantage of the booming startup ecosystem. “Such investments were previously only available to VCs, angel investors, and HNIs with a suitable relationship,” said Nikhil Aggarwal. Today, there are several platforms that are democratizing access to such investments and offering them at discount code sizes. with less $2,00,000 instead of ten thousand or two-digit crores, he added.

8) Inventory Finance

Investing in Inventory Finance is a great way to achieve your short-term goals as there are options with maturities ranging from 1-13 months. According to Nikhil Aggarwal, it is ideal for investors looking for faster returns, beating inflation in a short term by financing companies’ inventory.

He adds that this investment property can give you a pre-tax return of up to 12%.

This 2023, beat market volatility with these expert-recommended alternatives and choose the one that best suits your investment goals.

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