Alternative Investment Options in 2025

Alternative Investment Options in 2025: What Indian Investors Should Know

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In 2025, many Indian investors are looking beyond traditional ways of saving and growing money. Fixed deposits and regular mutual funds still exist, but more people are now exploring new ways to invest. These are called alternative investments — and they can offer better returns if used wisely.

This article from Chiangrai Times gives you a simple guide on these investment options. Whether you’re a young earner or a retired professional, there’s something here for everyone.

What Are Alternative Investments?

Alternative investments are not the usual bank FDs, stocks, or PPFs. These include things like:

  • Real estate investment trusts (REITs)
  • Peer-to-peer (P2P) lending
  • Gold bonds
  • Start-up funds
  • Fractional property ownership
  • Green bonds
  • Invoice discounting

These are growing in popularity because people want better returns and more options in uncertain markets.

1. Alternative Investment Funds (AIFs)

These are pooled funds that invest in unique places — like start-ups or private companies. The government body SEBI keeps an eye on these funds. In 2025, some AIFs gave returns of over 8%, which is much more than fixed deposits.

Some trusted funds include:

  • CCV Emerging Opportunities Fund – 8.61% return
  • Aarth Growth Fund – 7.86%
  • Finideas Growth Fund – 7.36%

AIFs are ideal for people who want to take a little more risk for higher gains.

2. REITs – Real Estate Without Owning Property

Don’t want to buy a house but still want real estate returns? REITs are your answer. These funds invest in office spaces, malls, and other big properties. You get a share of the rental income and value growth.

They are affordable too — you can start with just a few thousand rupees.

3. Peer-to-Peer (P2P) Lending

This is a direct loan model. You lend money to someone through online platforms, and they pay you interest — just like a bank.

Some platforms promise returns between 10% and 15%, but remember, it comes with some risk if the borrower doesn’t pay back. Always read the platform’s ratings and borrower history.

4. Sovereign Gold Bonds (SGBs)

Gold never goes out of fashion in India. But instead of buying physical gold, now you can invest in SGBs — government-backed gold investments.

You get a fixed yearly interest plus the benefit of gold price rise. And since it’s digital, there’s no worry about theft or storage.

5. Green Bonds – Earn While Saving the Planet

More companies are now issuing green bonds. Your money goes into clean energy or eco-friendly projects, and you earn fixed interest just like a normal bond.

If you care about the planet and want stable returns, this is a good option.

6. Fractional Real Estate – Own Part of a Building

Property is costly, but now you can own a small part of a big property through fractional real estate platforms.

You share the rental income and any profit from price growth. It’s great if you want to enter real estate without big investments.

7. Invoice Discounting – Quick Business Income

Here, you fund companies that are waiting for payments from clients. You buy their unpaid invoices at a discount, and when the payment is made, you get your return.

Many platforms offer this now, and it’s a short-term investment (30 to 90 days).

Final Words

The investment world is changing in 2025. It’s no longer just about saving money — it’s about growing it smartly. These alternative options offer more control, better returns, and even support causes like clean energy.

But remember: every investment has some risk. So, always read the terms, do your homework, and if needed, talk to a financial advisor.

For more useful updates on business, finance, and the latest investment trends, visit Chiangrai Times and stay informed.

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