best investment option for 20 years lock in period?



i want to invest Rs. 25,000/- for 20 years, to meet my children future expenses, please suggest good investment option for 20 years with highest assured return.
i dont want to go for a risky option need to play safe.

best investment option for 20 years lock in period?
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4 Replies to “best investment option for 20 years lock in period?”

  1. Go with PPF account. It’s very safe and insured by the Reserve Bank of India. It’s lock in period is 15 years and can be extended for another 5 years unlimited number of times.

    Benefits:
    – Amount you invest is tax free
    – Interest earned is tax free
    – Maturity amount is tax free

    You can invest minimum Rs. 500/- and maximum Rs. 1 lac per year. After 15 years, it becomes approx 35 lacs fully tax free.
    Check this article: http://www.hindustantimes.com/News-Feed/BusinessBankingInsurance/Your-investment-starter-pack/Article1-854386.aspx


  2. It is alway better to invest in Fixed deposits of nationalised bank for risk free investment. List of banks and their rates.

    Bank name
    Duration
    Rate

    Union Bank Of India (UBI)
    2700 days9.40
    Vijaya Bank
    1 year9.30
    Bank Of Maharashtra (BOM)
    444 days9.30
    State Bank Of Hyderabad (SBH)
    1000 days9.25
    Indian Overseas Bank (IOB)
    1 year-2 years9.25
    Union Bank Of India (UBI)
    1 year-3 years9.25
    IDBI Bank
    500 days9.25
    Allahabad Bank
    1 year-2 years9.25
    Indian Bank (IB)
    270 days-1 year9.25
    Bank Of India (BOI)
    1 year-555 days9.25
    State Bank Of Hyderabad (SBH)
    500 days9.25
    Punjab and Sind Bank (PSB)
    500 days9.25
    Bank Of India (BOI)
    555 days9.25
    IDBI Bank
    501 days-5 years9.25
    IDBI Bank
    1 year-499 days9.25


  3. invest in Stocks do research ex:-ICICI Bank,HDFC Bank, Reliance Industries.there are so many stocks which give almost 70-90 % returns yearly or else go for mutual funds






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