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Best Investment Plans for Upper Class

Updated on :  

08 min read.

Individuals and families falling under the upper-class category are financially well off. These are the ones who know the value and importance of investing. Merely working gets you nowhere, you should also know where to invest your hard-earned money which will, in turn, work for you.

Stock Market

Stock markets have the potential to take investors from rags to riches. While upper-class is already rich, they would like to make more money, and they invest in stocks. Stock markets have the potential to offer returns in the range of 15% to 18% a year. However, they possess a high risk, and returns are not assured. This is a high-risk high-reward investment. As the individuals belonging to the upper-class are financially stable, they have the cushion to bear high risk for high returns. To mitigate losses, they hold their stocks for a considerable amount of time.

Equity Mutual Funds

Equity mutual funds invest in stocks of companies across all market capitalisations. As equity mutual funds invest in several stocks, there is no risk of concentration, which may be seen sometimes when investing in direct equities. The upper class hold their equity mutual fund investments for an extended period more often than not. This ensures that they get excellent returns in the long run. Equity mutual funds are an excellent option not only for the upper class but also for every investor as the investments are handled by professional fund managers who have a good track record of handling investment portfolios.

Real Estate

Real estate is one of the traditional investment options. Who would have thought of Bengaluru, Hyderabad, and Pune to grow the way they have? These cities have seen tremendous growth in the post-independence era, and the real estate prices have skyrocketed. Landlords who had bought a piece of land in the 1960s and 1970s have become millionaires now. Likewise, the real estate prices will go up in major cities as India is still a developing country, and the cities and towns would further expand. When they do, the real estate prices will go up. Therefore, investing in real estate is a great option considering investors are going to hold on to it for a long time.

Corporate Deposits

Corporate deposits are also referred to as company fixed deposits. These can be compared to bank fixed deposits. However, corporate deposits offer much higher returns than bank deposits. Most financial and non-banking financial companies provide corporate deposits. These deposits provide a much higher rate of returns than bank fixed deposits. However, corporate deposits can be risky at times as they are unsecured. Therefore, investors can make use of ratings given by agencies such as CRISIL to understand how reliable these deposits are.


Bonds are offered by government and large corporations who are in need of raising a considerable amount of money. The issuer of a bond will ascertain that he or she is going to pay the investors a fixed rate of interest over a certain period. Once the bond matures, the investors are paid out their capital invested.


There is no example of someone becoming rich by parking their money in a regular savings bank account. The secret to getting rich is to invest in suitable options.

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