Usually women invest for the future of their family, but many times they forget about themselves and about protecting their interests. In such a situation, this Karva Chauth, you can give them children special gifts. Let us know some such ideas, which can help them.
Health Insurance
Gifting
the benefits of health insurance can be one of the best gifts. Looking
at the current situation, health insurance is one of the biggest
priorities. There will be more benefits if you take it early. Covers
that cover your medical and healthcare expenses are helpful as you get
older. One can invest in term plans, pension schemes, health insurance
schemes, senior citizen schemes etc. to secure his future.
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Get FD or RD in the name of wife
This
Karva Chauth, you can invest in Fixed Deposit (FD) or Recurring Deposit
(RD) for your wife as per your convenience. In both of these, you get
almost the same interest. Both FD and RD are fixed-income investments,
both of which give guaranteed returns on maturity. The interest rates
offered on FD and RD are also almost the same. You can open a joint
account in both of these. Both these investments can be made in any bank
or post office. Apart from this, you can also invest in SIP or mutual
funds for your wife.
Sovereign Gold Bond (SGB)
Sovereign
gold bonds are issued by the Reserve Bank of India (RBI) on behalf of
the government. This is the safest investment with low risk. It is
better than physical gold. Being a Sovereign Bond, there is a guarantee
of purity in it. The government gives a coupon rate of 2.5 per cent per
annum on the value of gold. SGB also provides long-term capital gains
after three years and also gets tax exemption when redeemed on maturity.
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credit card gift
You
can give a credit card gift to your wife to fulfill her financial need.
Many people are afraid of using a credit card due to the fear of
misuse, in such a situation, you can prepare them to keep it with you by
explaining the benefits of using a credit card wisely. With this, the
wife will not have to face any problem when she needs money. You can
decide the credit card limit based on the needs of your wife.
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