Alternavtive Investment

Real Estate
Post Office

There are a multitude ways to invest your fortune beyond bonds, stocks and cash. We’re experienced with implementing and managing alternative investments such as real estate and post office savings account. We want to help you enjoy a richer of future.

Real estate refers to land, as well as any physical property or improvements affixed to the land, including houses, buildings, landscaping, fencing, wells, etc.

How it works
Vacant land and residential lots, plus the houses, outbuildings, decks, trees sewers and fixtures within the boundaries of the property are examples of real estate. Furniture, cars, paintings, jewelry and boats are examples of personal property rather than real estate.

There are a variety of ways to invest in real estate, ranging from real estate investment trusts (REITs) to buying rental property or multi-family housing.

For investors turned off by the idea of fixing plumbing and dealing with tenants, REITs offer the opportunity to participate directly in the ownership or financing of real estate projects. REITs are tradable interest (much like a share of stock) in a pool of real estate-related assets. REITs own, and often operate, income-producing real estate such as office buildings, apartments, shopping centers, warehouses and hotels. Many REITs specialize in one property type, such as offices, apartments or regional shopping malls.

Most investors buy REITs for their rich dividends, although those dividends are usually fully taxable. Keep in mind, though, that each real estate sector is affected by different economic cycles. Larger, diversified, or geographically dispersed REITs are less exposed to regional weakness and major economic cycles. On the other hand, smaller, more specialized REITs often provide the greatest growth potential.

For over 150 years, the Department of Posts has been the backbone of Indias communication structure. It has made peoples lives easy by delivering mails, providing Small Savings Schemes and life insurance cover etc. The Indian post office has 1,55,015 post offices making it one of the most widely distributed postal network in the world.

The Post Office Savings Scheme offers PO Savings account, 5 year PO Recurring Deposit account, PO Time deposit account, PO monthly income account scheme, Senior citizen savings scheme, 15 year Public Provident fund account, National savings certificates, Kisan Vikas Patra and Sukanya Smariddhi accounts.

Features of time deposits of Indian Post Office

The time deposit account can be opened for 5 years.
Any number of accounts can be opened in any post office.
A minor of 10 year or above can open and manage the account.
Joint accounts can be opened by two adults.
An individual can convert the time deposit account from single to joint and vice versa.
Fixed deposit schemes are available for a period of 5 years.
The minimum amount that can be deposited is Rs.200, there is no limit on the maximum amount.
The depositor can open a time deposit with the post office for a minimum of 1 year.
The investments made under 5 years are eligible for tax benefits and deductions
under Sectio80C of the Income Tax Act of India, 1961.
The accounts can be ported to other post offices quite easily.
Depositor can open any number of time deposit accounts.
On maturity, the account is automatically renewed for the period it was initially opened.
NRIs cannot invest in the time deposit schemes offered by the post office.

Post Office Time Deposit Interest Rates

For a duration of 1 year: The Indian Post Office offers 7.10% interest rate for the time deposits for a tenure of 1 year.
For a duration of 2 years: 7.20% interest rate is offered to the depositor for time deposit of twoyears.
For a duration of 3 years: 7.40% interest rate is offered for a tenure of 3 years.
For a duration of 5 years: Post office offers 7.90% interest rate to their depositors.

The Indian Post Office doesnt offer any special interest rates to the senior citizen. There is nolimit to the amount that can be deposited neither is a limit on how many time deposit accounts one individual opens.