4 Best & Easy Investments in the World Forever
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[FEATURE- STANDARD PORTFOLIO: Have 1) Term Insurance 2) Health Insurance 3) General Savings (Liquid Funds/Taxes) 4) Invest in Index Funds/ETFs (Nasdaq 100- World Index, S&P 500- USA, Nifty 500/BSE 500- India + Vanguard Total World Stock ETF/HDFC Developed World Indexes Funds cover worldwide markets), and you are done with your best investments as this site bestworldinvestment.com title “Your Money: 4 Best & Easy Investments in the World Forever”. It’s that simple. Live a carefree/sound-sleep life.
(Details are given below)
“When you are right, you earn, when wrong you learn” but never repeat a mistake]
All-in-One Finance/4 BEST & EASY INVESTMENTS IN THE WORLD FOREVER
INRODUCTION: Find herewith a useful “Practical/Simple Language Guide- mega information compilation/investing made easy” on “Your Money: 4 Best & Easy Investments in the World Forever“: 1) TERM INSURANCE 2) HEALTH INSURANCE 3) GENERAL SAVINGS- (Liquid Funds/Taxes) – India/International, and 4) STOCK MARKETS- India & International (MUTUAL/INDEX FUNDS- Equity, Hybrid, Debt, & Gold-Silver Funds, ETFs, PMS, and EQUITY) for your independent diversified financial planning to grow wealth. The portal should provide a reference point for all types of investments to the common man at one place as shown below (Topics given under the present bestworldinvestment portal):
The main theme being Equity Index Funds & Stock Investment, list of selected Indian/International Index Funds and Indian/International Companies has been given under Mutual Funds and Equity sections, respectively, to cover worldwide audience. The basics of investing remain same for all the markets. For stock selection, two methods given for Indian and one for international companies, see patiently, you will get earnings with learnings.
The sole objective is capital protection/refrain trading and prevent losses of the uninformed investors, enable an instant/rational start that leads to best investments which create wealth. The write up is long as it covers all world investments but is also necessary to build conviction/confidence in one’s investments so as to remain invested for long-term even during the extreme market/stock price volatile-up/down movements. Legendary investor Warren Buffet says always follow two rules when investing – “Rule No. 1: Never lose capital. Rule No. 2: Never forget Rule No. 1.”
-It is astonishing to know that legendary investor Warren Buffett (net worth 113 billion USD) has generated his enormous wealth in the stock market from his company Berkshire Hathaway’s business/investments (4.3 million or 43 lacs percentage returns from 1964 to 2024) with a compounded annual gain of just 20% returns (24% if dividends included) for a long-period. So, you require just 20% returns in dollar currency in the long-term to be rich like him, your idol becomes your rival (Source-modified: Financial Literacy Awareness Webinar on December 25, 2022/January 08, 2023, etc. by Varun Malhotra, IIM Ahmedabad-India/CFA Institute-USA).
The lion’s share of the 93-year-old’s wealth was built after four decades of investing, 99% of his $113 billion empire was made after his 50th. So, for him 40-50-60 years define ‘long-term (Source: Mutual Fund Insight Magazine- India, December 2023, Page-16). Warren Buffet started investing with just $114.75 in 1942. Later, in his first partnership, he invested only $1001. By the time he was 30, he had a net worth of $1 million.
The bulk of the activity of investing is waiting. You may not get so much on-the-spot workable/data-packed information given at one place anywhere.
-Comparison of Max., etc. returns of important World Stock Market Indices (Nasdaq 100, S&P 500, BSE 500, Nifty 50 & FTSE Global All Cap Index) Chart is given below:
NDX 25,148.31 (▲0.029%) Nasdaq-100 | Google Finance
Even if you are short in time to see my whole site, investing in the index funds/ETFs as summarized below will build an overall long-term/forever Indian & International/Global Index Funds/ETFs portfolio.
Following are the main/major Index Funds/ETFs of India and the world (representing four important world stock market indices- Nasdaq 100, S&P 500, FTSE All Cap Index, and Nifty 500/BSE 500):
A) INDIAN INDEX FUNDS/ETFs: For sure returns Indians just invest/SIP for the long-term/forever in Factor-Based Smart Beta Broad- Market Edelweiss Nifty 500 Multicap Momentum Quality 50 Index Fund (constitute diversified top 500 Large/Mid/Small Cap companies ranked 1 to 500 of in Nifty 500 Index/represents the whole Indian stock market, Index CAGR since 2004: 23% as of November 30, 2024).
India-based International Index Funds- i) ICICI Prudential NASDAQ 100 Index Fund (QQQM ETF has a CAGR since inception: 10.34% as of November 30, 2024) ii) Motilal S&P 500 Index (VOO ETF CAGR since Inception: 14.90% as of November 30, 2024) iii) Navi US Total Stock Market FOF (invests in the Vanguard Total Stock Market ETF-VTI, Inception Date- 24/05/2001; all-time CAGR: 17.82%) iv) HDFC Developed World Indexes FOF builds an Equity Index Funds Portfolio that broadly covers worldwide markets.
India-based International ETFs are: Mirae Asset S&P 500 Top 50 ETF, Motilal Oswal Nasdaq 100 ETF, Nippon India ETF Hang Seng BeES
Nifty 500/BSE 500 indices are equivalent to the US S&P 500 Index. The Nasdaq 100 Index doesn’t have Finance Companies. The financial companies are in a separate index, the NASDAQ Financial-100.
May invest up to 20% in International Index Funds/ETFs, whichever are available as per SEBI rules.
B) INTERNATIONAL/GLOBAL INDEX ETFs: Factor-Based Smart Beta ETFs- i) iShares MSCI USA Quality GARP (Growth at Reasonable Price) ETF (Inception Date: January 14, 2020, CAGR since Inception: 18.65% as of November 20, 2024) ii) iShares Edge MSCI World Momentum Factor UCITS ETF (IWMO) (Inception Date: April 16, 2013, CAGR since Inception: 15.04% as of November 30, 2024).
Traditional market cap weighted ETFs are: i) Vanguard S&P 500 ETF (VOO)- CAGR since inception in 09/2010: 14.90% as of 11/2024, ii) Vanguard Total Stock Market ETF (VTI)- covers the US market across large-, mid-, and small-cap equity diversified across growth and value styles. CAGR since inception in 05/2001: 17.82% as of 08/2025, iii) Invesco Nasdaq 100 ETF (QQQM)- CAGR since inception in 10/2020: 10.34% as of 11/2024, iv) Vanguard FTSE Europe ETF (VGK)- CAGR since inception in April 2005: 5.94% as of September 2025,
v) iShares MSCI India ETF (Large-Mid Cap Companies): CAGR since inception in 02/2012: 6.47% as of 09/2025, vi) iShares MSCI India Small-Cap ETF- CAGR since inception in 08/2012: 9.57% as of 09/2025, vii) iShares MSCI China ETF (Large-Mid Cap Companies)- CAGR since inception in 03/2011: 3.95% as of 03/2025, viii) Vanguard Total World Stock ETF (VT)- CAGR since inception in June 2008: 7.86% as of November 2024, which covers markets worldwide.
(Active Funds are like retailers/risky-random-unsure-high cost, Index/Merit Funds are institutions/safe-systematic-sure-low cost. The fund manager monitors active funds, while the market itself manages index funds. The global investing trend is towards index funds/ETFs)
– A detailed description of Index Funds/ETFs is given under “Equity Funds”.
-See returns in HDFC Compound Interest Calculator:
Compound Interest Calculator – Calculate Compound Interest Online (hdfclife.com)
-Minimum Investment required only Rs 100/500/1000.
Calculate the compound annual growth rate (CAGR) of your investments as given below:
CAGR Calculator – Calculate Compound Annual Growth Rate Online
Following is the video on ETF trading/investing:
Services
Personal Finance Management should proceed in 4 Steps/Stages (4 Best & Easy Investments in the World Forever) as under:
01.
TERM INSURANCE
First step in financial planning is to take an adequate Term Life Insurance or Term Insurance (is non-money back) from policybazaar.com etc. to provide financial support to the family in the event of earning member’s unfortunate death. It covers the working term of an individual. Sum Assured/Cover should be 10-15 times of your annual income depending on your family’s requirement/lifestyle, also factor in inflation.
02.
HEALTH INSURANCE
Take an adequate Health Insurance (from policybazaar.com etc.). Here are seven tips to help you choose the best health plan (source: Mutual Fund Insight Magazine, India- September 2021, 2022, May 2023 etc.):
03.
GENERAL SAVINGS (Liquid Funds/Taxes)
Keep an Emergency Fund of one year in a sweep-in/flexi savings account with any reputed bank SBI/Axis/HDFC/ICICI Bank which has good branch network or better in a liquid fund for tax efficiency.
04.
STOCK MARKET INVESTMENT
Fit-for-All Investments:
The Stock Market is Data in Action
INDIA & INTERNATIONAL
In the stock market invest only the amount not required at least in the next five years. For short-term needs put money in liquid funds for tax efficiency/less taxes.
Let us see where different countries stand in terms of investing population in the world. As of on February 4, 2022, at 3%, merely a fraction of India’s population is invested into stock markets, lagging far behind the US (55%), UK (33%) and China (13%).
Percent of population investing in stock markets: India Vs Rest of the World (livemint.com)
-As of January 2023, USA stock market constituted 58.4% of the world markets, followed by Japan- 6.3, UK- 4.1, China- 3.7, France- 2.8, Canada- 2.7, Switzerland- 2.5, Australia- 2.2, Germany- 2.1, India- 1.8, Taiwan- 1.6 & South Korea- 1.3%.
Below is the INR returns for various geographies for last 10 calendar years. Top performing markets each calendar year have been different, and it is thus prudent for an investor to diversify holdings across multiple markets.
| 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
USA | 21% | 19% | 50% | 16% | 6% | 14% | 15% | 4% | 34% | 24% |
WORLD | 13% | 20% | 44% | 8% | 4% | 11% | 16% | 0% | 31% | 19% |
EUROPE | 6% | 23% | 42% | -4% | 2% | 3% | 19% | -6% | 27% | 9% |
ASIA | -1% | 26% | 17% | 8% | -5% | 8% | 34% | -6% | 21% | 28% |
CHINA | -3% | 27% | 17% | 11% | -3% | 4% | 45% | -11% | 26% | 33% |
INDIA | -20% | 32% | 15% | 28% | 0% | -1% | 30% | 0% | 8% | 11% |
Before we start actual investing, let us see how stock markets world over have performed. To compare multibaggar returns given by various world stock market indices with nominal returns of Bank FD’s/Gold, see following facts/scenarios (Source-modified: Financial Literacy Awareness Webinar on December 25, 2022/January 08, 2023, etc. by Varun Malhotra, IIM Ahmedabad-India/CFA Institute-USA):
– Indian stock market index the Sensex, has grown from 100 points (1979) to 60,000 (2022) at a compounded annual gain of 16% (18% if dividend included) i.e., 600 times (with volatility) in 43 years (See Max chart below):
sensex chart – Google Search (See Max chart)
Now, even if we consider the bank Fixed Deposit (FD) annual interest rate of 12%, minus 30% tax, effective return is only 9%. Rule of 72 says, 72 divided by interest rate (9%) gives the number of years required to double the money, i.e., 72/9 = 8 years, (43 years/8= 5.4 times). So, Rs 100 in the bank grew to only Rs 3200 (32 times only; 100 to 200/400/800/1600/3200) during the same period of 43 years (1979-2022). Also, in 41 years (1981-2022), the price of gold has gone up only 30.6 times, from Rs 1800 for 10 gm to Rs 55,000.
-Nifty 50 Index (see Max chart) rose from 890 (January’1999) points in 1999 to 18,500 in (December’ 2022) about 20 times in 23 years.
nifty chart – Google Search (See Max chart)
See the following Fit-for-All Investments:
– Child (Age- 0 years): Invest once (or may be through SIP) Rs 50,000/- in Nifty 50 Index, compounded at 18% (includes dividends 3%) grows to Rs 102.78 crores (but actually showing 226.21 crores, see calculation chart below) at 61 years age (value only Rs 3.1 crores in today’s terms, after discounting 6% inflation/he will not depend on government subsidy or his children). Write in big letters at back of birthday invitation cards “In gift we prefer only cash”. Now better invest in newly launched Nifty 500/BSE 500 Index Funds (Edelweiss Nifty 500 Multicap Momentum Quality 50 Index Fund) for much higher returns.
Varun says when he told his partner this is how 100 crores are made, she readily agreed to marry him.
-See returns in HDFC Compound Interest Calculator given below:
Compound Interest Calculator – Calculate Compound Interest Online (hdfclife.com)
– Age 20 years: Invest once (or may be through SIP) Rs 50,000/- (from savings/part time job- try to not take from parents) in Nifty 50 Fund, at 60 years age becomes Rs 3.75 crores @ CAGR 18% (includes dividend 3%)- also see actual returns in the compound interest calculator given above. So, secure your retirement now itself. Now better invest in newly launched Nifty 500/BSE 500 Index Funds (Edelweiss Nifty 500 Multicap Momentum Quality 50 Index Fund) for much higher returns.
– Age 60 years: If initial corpus Rs 1 crore, put estimated 12 years expenses say Rs 40 lacs in Liquid Funds for tax efficiency/much less taxes, and balance Rs 60 lacs invested (may be through SIP for 3 years) in Nifty 50 Fund @ CAGR 18% (includes dividend 3%), after 12 years becomes Rs 3 crores- also see actual returns in the compound interest calculator given above. Now better invest in newly launched Nifty 500/BSE 500 Index Funds (Edelweiss Nifty 500 Multicap Momentum Quality 50 Index Fund) for much higher returns.
Repeat the process at Age 72 years (Rs 80 lacs for 12 years expenses, invest balance Rs 2.2 crores in Nifty 50) and so on.
Now broad market Indices Nifty 500/BSE 500 (constituting Large/Mid/Small Cap companies) have been launched in India that will give higher returns than only Large Cap companies-based Sensex and Nifty 50 Indexes. But they are more volatile due to presence of mid and small cap companies. They are equivalent to US S&P 500 Index.
Index Funds ((Standard/System/Merit Funds) based on Nasdaq 100 (World), S&P 500 (USA), MSCI Inc (World) & Nifty 500/ BSE 500 (Edelweiss Nifty 500 Multicap Momentum Quality 50 Index Fund, India) indices are all-time best investments in the world and have been given under Equity Funds. Nasdaq 100 Index shows highest “Max” returns (3257% since March 17, 1995) followed by BSE 500 (2639% since February 5, 1999), S&P 500 (2587% since September 2, 1983), Nifty 50 (2068% since January1, 1999), MSCI Inc (2007% since December’2007).
-See Comparison of Max etc. returns Chart of above important World Stock Market Indices (Nasdaq 100/BSE 500/ S&P 500/Nifty 50/MSCI Inc) representing the major Index Funds below:
NDX 15,289.74 (▼1.11%) Nasdaq-100 | Google Finance
MSCI World Index- Morgan Stanley Capital International, is a benchmark that tracks the performance of equity markets across the developed world.
By now it must have become clear that a market Index can never become zero. Main feature is its auto-correction/update process by which companies are included/excluded on the basis of performance etc. It is always volatile in the short-term but rise/give multibaggar returns in the long-term and can be passed on generation to generation- Index is Forever- “Invest in Index & Relax”. Money in the bank can be lost if the bank goes bankrupt but never in an index. Detail description of an Index Funds is given under “Equity Funds- Conclusions”.
There are two types of stock market investments:
A) MUTUAL/INDEX FUNDS & PORTFOLIO MANAGEMENT SERVICES (PMS) B) EQUITY/STOCKS
(In India for Equity/Mutual Funds, NPS, SGB Investing, IPO applications etc., may open online demat account with icicidirect, as unlike others it has wide office network/reputed group, and very good user-friendly features. PAN card/Aadhaar card/Bank cheque required, can link with any bank account. NRI’s can also open account via online KYC).