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Less Risky Investments

Find out where risk-averse investors can invest every month for a 3-year time horizon…

I can invest Rs 5,000 every month for the next 3 years. Please suggest a suitable investment plan.
- Shrikant Pandey

If you're completely risk-averse, you should consider a bank recurring deposit, a post office recurring deposit, or a short-term bond fund. If you're willing to court a little bit of risk, then invest in the growth plan of an MIP. These plans typically invest 10-15 per cent of their assets in equities and given your 3-year timeframe, you will be able to beat inflation without being exposed to inordinate risk.

This article was originally published on August 22, 2012.

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