Popular Investment Options
Explore different investment vehicles and understand which ones align with your financial goals and risk tolerance.
Systematic Investment Plan (SIP)
Invest regularly in mutual funds through SIP to benefit from rupee cost averaging and compounding.
- Start with as low as ₹500/month
- Disciplined investment approach
- Power of compounding
- Flexible investment amounts
Public Provident Fund (PPF)
Government-backed 15-year investment with triple tax benefits and guaranteed returns.
- 100% safe government backing
- Triple tax exemption (EEE)
- Current rate: 7.1% per annum
- Loan facility available
Fixed Deposit (FD)
Safe investment option with guaranteed returns and flexible tenure options.
- Guaranteed returns
- Flexible tenure (7 days to 10 years)
- Loan against FD available
- Senior citizen benefits
Recurring Deposit (RD)
Build savings discipline with monthly deposits and earn FD-like returns.
- Monthly investment discipline
- Same rates as Fixed Deposits
- Flexible monthly amounts
- Auto-debit facility
Mutual Funds
Professional fund management with diversified portfolio and potential for higher returns.
- Professional management
- Diversified portfolio
- Various fund categories
- High liquidity
Portfolio Diversification
Spread investments across different asset classes to minimize risk and maximize returns.
- Risk mitigation
- Balanced portfolio
- Multiple asset classes
- Stable long-term growth
Investment Comparison
Compare different investment options based on returns, risk, liquidity, and tax benefits.
| Investment Type | Expected Returns | Risk Level | Liquidity | Tax Benefits | Minimum Investment |
|---|---|---|---|---|---|
| SIP (Equity Mutual Funds) | 12-15% p.a. | High | High | ELSS - 80C | ₹500/month |
| PPF | 7.1% p.a. | Low | Low (15 years) | EEE Status | ₹500/year |
| Fixed Deposit | 5.5-7% p.a. | Low | Medium | Tax on Interest | ₹1,000 |
| Recurring Deposit | 5.5-7% p.a. | Low | Medium | Tax on Interest | ₹100/month |
| Debt Mutual Funds | 7-9% p.a. | Medium | High | Indexation Benefit | ₹1,000 |
| Gold ETF | 8-10% p.a. | Medium | High | LTCG after 3 years | ₹1,000 |
Age-wise Investment Strategy
Your investment strategy should evolve with your age, income, and financial responsibilities.
Aggressive Growth Phase
Focus on high-growth investments with higher risk tolerance. Build emergency fund and start SIPs.
- 80% Equity, 20% Debt allocation
- Start SIP with ₹2,000-5,000/month
- Build 6-month emergency fund
- Take health insurance
Balanced Growth Phase
Increase investment amounts, diversify portfolio, and plan for major life goals.
- 70% Equity, 30% Debt allocation
- Maximize PPF contribution (₹1.5L/year)
- Start home loan planning
- Increase life insurance coverage
Moderate Growth Phase
Focus on wealth preservation while maintaining growth. Plan for children's education and retirement.
- 60% Equity, 40% Debt allocation
- Increase retirement corpus target
- Plan for children's higher education
- Consider real estate investments
Conservative Phase
Shift towards safer investments, reduce risk exposure, and prepare for retirement.
- 40% Equity, 60% Debt allocation
- Focus on debt instruments
- Plan retirement income sources
- Consider senior citizen schemes
Golden Rules of Investing
- Start early to benefit from compounding
- Invest regularly through SIPs
- Diversify across asset classes
- Don't put all eggs in one basket
- Review and rebalance portfolio annually
- Invest for long-term (5+ years)
- Don't time the market
- Stay disciplined during market volatility
- Increase investment with income growth
- Take adequate insurance coverage
Use Our Financial Calculators
Plan your investments better with our comprehensive financial calculators.
Risk Management & Insurance
Protect your wealth and family with adequate insurance coverage and risk management strategies.
Health Insurance
Essential protection against medical emergencies and rising healthcare costs.
- Minimum ₹5L coverage per person
- Family floater plans available
- Tax benefits under 80D
- Cashless treatment facility
Life Insurance
Secure your family's financial future with adequate life insurance coverage.
- Coverage = 10-15x annual income
- Term insurance is most cost-effective
- Tax benefits under 80C
- Online plans offer better rates
Emergency Fund Essentials
- Maintain 6-12 months of expenses
- Keep in liquid savings account
- Separate from investment funds
- Build gradually over time
- Use only for genuine emergencies
- Replenish after usage
Tax-Saving Investment Options
Maximize your tax savings while building wealth with these Section 80C investments.
| Investment Option | Section | Maximum Limit | Lock-in Period | Expected Returns | Risk Level |
|---|---|---|---|---|---|
| PPF | 80C | ₹1.5 Lakh | 15 years | 7.1% p.a. | Low |
| ELSS Mutual Funds | 80C | ₹1.5 Lakh | 3 years | 12-15% p.a. | High |
| NSC | 80C | ₹1.5 Lakh | 5 years | 6.8% p.a. | Low |
| Tax Saver FD | 80C | ₹1.5 Lakh | 5 years | 5.5-6.5% p.a. | Low |
| Health Insurance | 80D | ₹25,000-₹50,000 | 1 year | Protection | Low |
Start Your Investment Journey Today
The best time to invest was yesterday. The second best time is now. Begin your wealth creation journey with our calculators and expert guidance.
Ready to Begin?
Use our comprehensive financial calculators to plan your investments, calculate returns, and make informed financial decisions. Start with small amounts and gradually increase your investments as your income grows.