Worth valentine's day gift for her

5 Investment Worthy Valentine’s Day Gifts for Her

When Valentine’s Day is around the corner, you might be looking for a unique and best gift for your loved one. You might find many gifting ideas from various sources. This Valentine, you can gift a long-term asset to your special one in the form of investments. Investment platforms provide decent returns on the invested money for a long duration or a short duration. Usually, longer the term of the investment, higher are the expected returns. Various ideas on this Valentine day investment worthy gift for her to make day memorable.

Some of the prominent investment options in India, at present, are Public Provident Fund (PPF), Fixed Deposit (FD), Systematic Investment Plan (SIP), etc. From all the investment options, banks and Non-Banking Financial Companies (NBFCs) offer higher Fixed Deposit interest rates. Moreover, FD is one of the most secure investments offering guaranteed investment returns. However, you can explore a range of worthy investment options for your Valentine!

Top 5 worthy Investments On your Valentine’s Day for Her

Gift Her PPF Account

PPF is a government-backed investment due to which it is known as one of the best investment avenues. You can open a PF account from any post office or authorised banks. The minimum sum that can be deposited is as low as Rs. 500 and the maximum limit is Rs. 1.5 lakh per annum. Due to the lock-in period of 15 years, your money is secure for a long period. Moreover, your investment is exempted from tax as per Section 80 C of the Income Tax Act of India. Partial withdrawals are permitted only after the completion of 5 policy years. At present, the interest rates offered by PPF investment are 7.90%.

Invest in Gold

Are you both getting hitched any time soon? Then investing in gold can be a wise choice. You can consider gifting her any gold jewellery that she can flaunt as well as secure for the rainy day. Investment in gold is one of the most preferred investment options, especially in India. Usually, people prefer buying gold when the price is lowered. This investment is later useful when the rates are higher; you can earn high returns than you spent by selling the same.

Look for Systematic Investment Plans

If you wish for higher returns from your investments for your loved one, you can always consider investing in SIPs in mutual funds. It is considered to be one of the best investment gifts for the long run. Although you can earn higher returns, the investment returns are subject to market rate fluctuations.

Unit Linked Insurance Plans

Unit Linked Insurance Plans (ULIPs) is known to be one of the prominent investment options for women in India. ULIPs allow you to invest and earn higher returns as well as financially secure your future with an insurance plan. Gifting a ULIP can both secure your loved one’s future financially as well as protect them from unexpected incidents that might occur in the future. Market-linked fluctuations influence the returns from ULIPs. However, you can choose the type of funds in which you wish to invest your money. You can also enjoy tax benefits on the returns from investments in ULIPs as per Section 80 C of the Income Tax Act of India.

Gift a Fixed Deposit Account

As mentioned above, FD is known to be one of the most preferred investment options in India. Both banks and NBFCs provide you with the facility to invest in an FD. Usually, NBFCs offer higher interest rates on FD as compared to traditional banks. Prominent NBFCs like Bajaj Finance offers FD interest rates from 8.75% to 9.10%. You can deposit a minimum of Rs.25000 to open an FD for women with Bajaj Finance. Moreover, senior citizen applicants can avail higher fixed deposit interest rates as compared to regular customers.

You can choose the investment option based on your risk appetite and financial goals. Secure investment options like FD can secure your invested money and help your loved one receive a substantial amount after the predetermined tenor. You can compare different investment options for women online as well as calculate the returns using online calculating tools provided on the websites of the provider. Gift your valentine the gift of investment this Valentine’s day with leading financial providers like Bajaj Finance with CRISIL’s FAAA and ICRA’s MAAA high credibility rating.

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