Looking for Safety? These 5 Investment Schemes Promise Stable Returns

If you prefer safety over risk and want your money to grow at a steady, fixed rate, there are several reliable options beyond stocks and mutual funds. Backed largely by the government or trusted institutions, these schemes are ideal for long-term security and predictable returns. Here are five safe investment options worth considering.

Public Provident Fund (PPF)

PPF is a popular long-term savings option for future goals. You can invest a small amount every year and earn 7.1% interest. The scheme has a 15-year maturity, comes with attractive tax benefits, and is fully government-backed, making it one of the safest investment choices.

Senior Citizen Savings Scheme (SCSS)

Designed exclusively for those aged 60 and above, SCSS offers a dependable source of regular income after retirement. It provides 8.2% interest, paid quarterly, with a 5-year maturity period. Safety, stability, and consistent returns make it a favourite among retirees.

National Savings Certificate (NSC)

Available at post offices, NSC is a fixed-income investment with a 5-year lock-in period. It offers an annual return of 7.7% along with tax benefits. It’s a simple and secure option for investors looking for guaranteed returns.

Fixed Deposit (FD)

Fixed Deposits remain one of the most trusted investment tools. You invest a lump sum for a chosen tenure and earn interest at a fixed rate. FDs are flexible, low-risk, and suitable for both short- and long-term financial planning.

Post Office Recurring Deposit (RD)

If you prefer investing small amounts every month, the Post Office RD is ideal. You can start with just ₹100, invest for 5 years, and earn 6.7% interest. It’s perfect for disciplined savers looking for steady growth.

If safety, stability, and fixed returns matter most to you, these investment options offer peace of mind along with decent earnings. Choose the one that best matches your age, income pattern, and financial goals, and let your money grow without stress.

Disclaimer: The information provided in this article is for educational and informational purposes only. We are not encouraging or advising any investment. Readers should consult a certified financial advisor or investment expert before making any financial decisions. Newspoint will not be responsible for any gains, losses, or consequences resulting from investments made based on this information.