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The year 2019 is about to end and 2020 is about to begin. This is a time when you should do financial planning to increase your investment returns. Also it is important for you to review the investment made so far. You should focus on those options where you are expected to get better and maximum returns. There are many investment plans, ranging from stock market to fixed deposits and gold. But before investing anywhere, things like expectation of returns, low risk and liquidity need attention. So that your money is a better place to invest. You can resort to financial experts, broking firms etc. to choose the right option. We are going to tell you 6 such investment ideas, where along with keeping your money safe, you will also get better returns.

GAIL and ONGC are good options in the stock market

If you are considering investing in long-term terms, then it is a better option to buy shares of state-owned GAIL at the current market price. These shares are currently at their lowest in 52 weeks at around Rs 117. It is one of the major companies of natural gas, liquid hydrocarbons, LPG, petrochemicals, city gas distribution and exploration and production. At the same time, it is better to buy shares of ONGC, the major oil-gas company in terms of dividend. At the current market price of Rs 125, the company’s dividend yield is close to 5.6 per cent. For your information, let us know that ONGC gives dividend 2-3 times a year. Also, a big advantage is that the dividend that comes in the hands of investors is tax free.

FD of Bajaj Finance and Mahindra Finance

Apart from stocks, if you are thinking of investing in FDs, then there are many FDs of Bajaj Finance and Mahindra Finance. FDs from Bajaj Finance are a better option than bank deposits. Interest rate of 8.10% is available on deposits of 6 to 60 months. As well as being rated AAA these FD schemes of Bajaj Finance are also safe. Mahindra Finance’s Fixed Deposit is a good investment option for those looking for a safe investment option. In its 33-month period, you can give 8.35 per cent and 40-month FD up to 9.22 per cent. Invest in these FDs for long-term as well.

Gold and Debentures

The returns in Gold ETFs have been around 21 per cent in the last one year, making it the best asset class for investment. Gold ETF returns were also better than stocks. Gold is also expected to perform strongly in 2020. It is a good option to invest in gold for 2-3 years. Apart from this, you can also consider listed debentures of companies like Shriram Transport and Muthoot Finance. Non-convertible debentures of these companies are listed on BSE and NSE. On these debentures you get a fixed interest rate. Also they are redeemed on maturity date.