What do you think is the best investment.

Well you know the risk is directly related to the earnings. So if you can afford the risk why not go for the higher earnings. If you can't afford to loose stay with the low risk.

Dear Edward, You may be shocked to know, that not all Insurance products have return guarantee. And the returns, are pathetic, to say the least. Mutual Funds do have their own place in every portfolio. they may carry risk, but over time the volatility and risk get evened out and you will making great money. Mutual Funds are the best return generator and is the best proxy play on equities.

I would prefer mutual funds instead of insurance, with mutual funds, if you keep investing, you will get a return like 20% to 40% as what I know. But it will take a long time and with less investment risk. The fastest will be invest in stock market but this one will be at high risk where you can earn fast and also fall fast. So do be wise to choose which one to invest. Hints: To invest in both, you need to have extra money in hand. I mean extra money is the money that you do not need it in a 6 months period.

If I had enough money I would invest in both. Insurance has magic. If I die before its maturity, my beneficiaries would get the lum sum. We can invest in Mutual fund money that we can afford to lose.

when you take out insurance for yourself, there's supposed to be a fixed return on the maturity date. unlike with mutual funds, you won't know if you've made money until you redeem it. i've tried both, i've lost money in insurance because i placed it in a company that isn't stable. the company went bankrupt. i got mutual funds from a bank. i redemmed it after 2 years and the amount that i got was just a little over a savings deposit account. so, i guess, it's important to get insurance from a reliable company. as for the mutual funds, timing is also crucial. i bought my mutual funds during its high price. its price went down after i bought it. i had to wait until its price went up before redemption.

for me insurance is a real investment coz the company is taking care of you and after ending the insurance period you get what you deserve.it's up to you how much do you want to invest !!

In this present time, Insurance can also be taken as a good field of investment. Along with investment, one has the life risk coverage also there in Insurance policies! I always prefer Insurance to any other source of investment! Thanks for this nice topic Joy!!

I do not consider Insurance to be an investment. Insurance is as the name suggests insurance if anything goes wrong with you. Insurance agencies have been clever in attaching the word investment with it and give abysmally low rate of returns for charging the premium over the insurance money. I feel that mutual funds are definitely better, but they have risks involved. There are also some more safer funds like bonds which each country issues for various things. In India we have infrastructural bonds which give more rate of return than insurance schemes and are equally safe!! Cheers! Ram