Major Investment Options: Investment Term, Income and Taxation!

Major Investment Options: Investment Term, Income and TAXATION!

Product Name		Regulated Body		Investment Term		Income / Rate of Interest (%)		Taxation
Equity		SEBI		Long Term		12% to 15%		Tax free Above 1 Year
Bonds & NCDS		SEBI		Short Term to Long Term		8% to10%		Taxable
Company Fixed Deposits		Company Law Board		Short Term to  Middle Term		9 % to 11%		Taxable
Bank Deposits		RBI		Short Term to  Mid		8.5% to 9%		Taxable
PPF/EPF		EPFO/GOI		Long Term		8.80%/ 8.70%		Tax free Above 5 Year
NPS		PRFDA		Long Term		9% to 12%		At Maturity 60%  taxed
Life Insurance Traditional Plan		IRDAI		Long		5% to 6%		Tax free
Life Insurance - ULIPs		IRDAI		Long		8% to 12%		Tax free
	Gold		-		Middle to Long Term		6% to 10%		Taxable
	Real Estate		-		Long Term		10% to  12 %		Taxable
Mutual Funds		SEBI		Short Term to Long Term		8% to 15%		Depends on Category

PPF- Public Provident Fund, EPF – Employees Provident Fund

SEBI - Securities and Exchange Board of India

IRDAI- Insurance Regulatory and Development Authority of India

RBI - Reserve Bank of India

EPFO – Employees' Provident Fund Organisation

GOI - Government of India 

PRFDA – Pension Fund Regulatory and Development Authority

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