When you invest in long-term financial instruments, the safety of your capital is of utmost importance. Some of the best investment plans for 3 years and above are those that carry a sovereign guarantee from the government.
Post Office Monthly Income Schemes offer good returns and are guaranteed by the government of India. For salaried people, post office recurring deposits are a good bet, in terms of security of capital and moderate returns.
Public Provident Fund has consistently delivered good returns and carries the Government seal. PPF offers tax benefits at the time of investment and also at maturity.
Sovereign Gold Bonds is one of the top safe investments for the long-term in India which offer you the convenience of investing in gold without having to take physical possession, and consequently arrange for its safekeeping.
Bank FDs over 5 years offer attractive returns and tax advantages at the time of investing. Investing in Company FDs can yield slightly better returns than an FD but be careful to choose AAA-rated companies for your investments.
Long-term investments help you plan your investments in a systematic manner, keeping in mind your goals for the future. Read up on all the available options for investments, before making your decision. Start investments early in life to reap the benefits in your retirement days.