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10 Best Retirement Investments In 2022

Read this blog to know the 10 best retirement investment options for 2022.

Priya Bansal

Retirement is a bittersweet moment that marks the beginning of a relaxed life. However, stats indicate that not everybody takes retirement seriously.

If you are someone who wants to invest in the right options today for a comfortable retirement tomorrow, this blog is for you.

We will walk you through 10 investment options that can help you manage your expenses after retirement. We’ve also included 3 bonus investment options that you can choose from! 

The 10 Best Retirement Investment Options

1. Indian Stocks

The Indian stock market is a long term investment tool with historical returns ranging from 9-16%. Stocks are divided into 3 categories:

  • Large-cap stocks (blue-chip stocks)
  • Mid-cap stocks
  • Small-cap stocks

You’d be interested to know that there are 4000+ companies that trade on the NSE and BSE. Let’s take a look at the broad set of benefits and risks of Indian stocks.

2. Debt Mutual Funds

Debt mutual funds invest in money market instruments or debt instruments like treasury bills, bonds, etc. Historical data suggests that debt funds may give returns better than a bank savings account. 

The returns range from 7-9%. Debt funds also include short term investment vehicles like liquid funds, ultra short term funds, and overnight funds. 

3. Equity Mutual Funds

Equity funds invest in stocks to deliver long term capital growth. Equity funds are classified into 4 categories based on the type of stocks they invest in:

  • Large-cap funds
  • Mid-cap funds
  • Small-cap funds
  • Multi-cap funds

Historically, equity funds have been known to give returns between 8-16%. Let’s take a look at the pros and cons of equity mutual funds at a glance. 

4. Retirement Funds

Retirement funds invest in stocks or debt instruments to generate income through returns for post-retirement. Retirement funds are also known as pension funds. 

5. Public Provident Fund (PPF)

A Public Provident Fund (PPF) is a long term, government-backed savings scheme that also generates a decent interest rate. PPF also carries tax benefits.

6. National Pension Scheme (NPS)

The National Pension Scheme is a post-retirement, income-generating option backed by the government. NPS requires an individual to contribute a fixed amount during their working years.

7. Rental Income

A rental property can generate passive income in the form of a rent or lease. However, buying a rental property requires a lot of effort and a large initial investment amount. 

8. P2P Lending

Peer to peer lending (P2P lending) can generate a recurring monthly interest usually known as passive income. The interest rate is generally based on the lending tenure and can range from 9-14%.

Watch this video to know more about P2P lending

9. Gold

While gold can’t generate passive income, the inflation hedged profits can be useful during an unexpected emergency or expense after retirement. This would, however, require you to sell gold.

10. Senior Citizens' Saving Scheme (SCSS)

Senior Citizens' Saving Scheme (SCSS) is a post-retirement investment option for Indian citizens over the age of 60. It is a government-backed investment option. There’s a 5 year lock-in period.  

3 Bonus Investment Options For Retirement

1. US Stocks

2. Exchange Traded Funds (ETFs)

3. Pradhan Mantri Vaya Vandana Yojana (PMVVY)

If you want to pay your future self, watch this video


Retirement is not easy. But you can pay your future self by investing in the right options today. The assets mentioned above can help you plan your retirement portfolio. Each investment comes with its own set of risks and benefits. So it is recommended that you speak to a trained financial professional before making an investment.

Investment Facts

Priya Bansal

Curious about personal finance and all things money. Can either find me reading a book or dancing to a tune.

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