Long Term Investment Options

There are several types of long term investments from which you can choose. The long term investment strategies are principally spanned over an entire decade or in some cases 15 to 30 years. Most options would mature when you reach your middle ages, and hence, the proceeds and returns over investments of such long term investments can come in handy in cases such as your retirement planning or your kid's education or your kid's wedding. Since such investments are long term and involve a lot of money, one has to be really careful about all the transactions that are related to them.

Long Term Investment Options

Some of the best investment options, that assure satisfactory returns, include the following.

Real Estate
One of the best options is real estate, the sole reason being the supply of land is inflexible and thus prices are ever rising. The price after your purchase will certainly rise but the rate at which it will rise will vary and it might also happen that you will find a rise in price by millions of dollars. Real estate is often said to be one of the most effective investment, due to the fact the price is bound to rise and the real estate has a good resale value. Another advantage of having real estate is that you can purchase the property with the help of a mortgage of about 10 to 15 years. In short, bulk investment is not always needed. Now advantage is that you can either sell of the real estate at some or other point of time, at an exceptionally high cost and then enjoy the proceeds. Alternatively you can use the same asset or its home equity to get a loan or a line of credit.

Life Insurance
I have always been a propagator of life insurance policies. There is a dual advantage of such policies. Firstly, such policies tend to work like good investment and also tend to provide coverage. As a policy holder all you will have to do is make payments on a monthly or an annual basis to the insurance company. After the payment schedule ends, the returns schedule starts, where in the company repayment or return over investment starts. In some plans the investing and returns schedule over lap each other. The life insurance policy further coves the financial interests of your kids and family, in case if you pass away early and unexpectedly. Due to these merits, life insurance is considered the best investment among all the safe long term investments.

Annuities
There are some really good investment options for long term that are also managed by investing companies and financial institutes. Annuities are programs that have a mechanism that is similar to the life insurance. Annuities are investing plans where a specified quantity is contributed on a monthly or yearly basis, uniformly for a few years such as 5 to 10 years. These annuities just like life insurance policies have an investing schedule as well as a returns in investment schedule. In addition to that there are two options that are available, namely fixed and variable annuities. The fixed annuities give a fixed rate of return while the rate of return for a variable annuity is based upon the different economic indexes and the overall performance of the economy.

Mutual Funds
Mutual funds are again an investment option that has an investment and returns schedule that is exactly like the annuity and insurance. Mutual funds however tend to have more independence as the investor is perfectly independent to further select the avenue where the mutual funds would further invested or reinvested. The problem of such programs is that they are partially subject to market risks.

Others
Gold investments and other precious metals and stones, Treasury bills, bank accounts, stock investing, shares and securities are some of the other effective investment channels that tend to give good returns in long and short runs, the problem is that you have to keep a tab on their costs and market values very regularly. The aforementioned ones tend to be a bit simpler as all you have to do is forward your payment on a monthly or annual basis.

The key to keep these investment options successful and well yielding is to calculate your capability to pay and maintain a disciplined payment schedule.