Are you looking for the best investment ideas for retirement? Then, you’re in the right place.

It’s never too early to start planning for retirement. Your goal is of course to invest in options that could give you the best returns and help manage a huge retirement corpus.

But, with so many options out there, it can be confusing, even frustrating, to choose and invest in the right assets. If you are also struggling with the same thing, here we will tell you about some of the best investment options to plan for a happy retirement.

What to look for in a potential Retirement Investment?


Well, before you start investing for retirement, plan out your retirement goals. How much money will you need after retirement to leave your remaining years comfortably? Will you also need money for other things like home, foreign trip, child marriage, etc. Based on these criteria, you’ll need to assess an investment option for the following things:

Final corpus
The first thing you need to calculate is the final corpus or monthly income you’ll need after retirement. Ideally, you should save 10-20% of your current income towards your retirement goals. Based on that, find and invest in assets that can help achieve these goals.

Growth/Interest rate
At the same time, your investments must be able to grow on their own. The rate of inflation is increasing, which means the value of your money will not be as much at the time of your retirement as it is today, so you need to consider the interest rate of your investments as well.

Risk level
When investing for retirement, your primary goal is to save money, even if it is not growing at a very high rate. So, look for investments that have relatively low risk and high growth opportunities.

Based on the above factors, here are the top investment options to plan your retirement:

Government Bonds & Plans

Government bonds and retirement plans are among the safest investment options with average returns. So, in my opinion, a significant part of your investment should go in the bond and other safe instruments like bank deposits and govt retirement/pension schemes.

Risk: Low
Profit: Moderate

Real Estate

Real estate is another safe and relatively high-profit industry where you can invest for retirement. The price of real estate is always increasing, as people will always need a place to live, work, etc. You can start buying properties around the country to save for your retirement. Make sure to study the market and get an idea before investing in real estate.

Risk: Moderate
Profit: High

Cryptocurrencies

Crypto investment is a relatively new market, one with high opportunities and low traffic. You can invest in cryptocurrencies (digital currencies) in multiple ways, through ICO, trading on an exchange, mining, among others. This is a very unpredictable market, so avoid investing a very large sum unless you’re very sure about a cryptocurrency or project. The profitability and returns are higher than any other market. The price of bitcoin, for example, has increased by over 10 times in the last five years or so.

If you invest in cryptocurrencies, do your research and invest only in a reliable and futuristic coin such as the Titan Coin (TTN) that has good applications to back the coin demand and value and therefore a good future scope.

Risk: High
Profit: High

Stocks

Many people, especially the ones who are familiar with stocks and ETFs, also prefer to invest in the market, which is one of the best investment options if you are looking for high profit. The profitability of this type of investment is huge, but so is the risk. Unless you have a good idea of how stocks work or have a partner to help, don’t invest here.

Risk: High
Profit: High