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Are you confused where to put your hard earned money so you can get good returns? Well, we have got you covered.
Here are a few money investing options that everyone can understand. You don’t have to be a rocket scientist to understand these.

So, let me outline some of the best investment options for you.
Financial Freedom is key to your empowerment and I am an agent of FIRE – Financial Independence Retire Early.

Bank Related Investment Schemes


Both of these options offer good tax exemption opportunities. PPF offers a minimum of 15 years of lock-in period before you can withdraw money. NPS offers the period of 10 years before you can withdraw a portion of the money.

Mutual Funds

Mutual Funds give you a tax benefit. Your banker can guide you better about the mutual funds where you should invest more for a better return because it keeps on changing.

Bank FD

It’s another safe choice for investing. You can opt for the monthly, quarterly, half-yearly, yearly option to invest in. Get in touch with your banker to know the best plans for your Fixed Deposit.

Bank RD

Quite similar to Fixed Deposit, a recurring deposit follows the regular saving approach. Unlike FDs, withdrawals are allowed in RD with some penalty and the interest rate is also less.


Apart from being a precious jewelry item, Gold is also a valuable asset for the investors. Keep your investments safe in the form of gold coins or paper gold.

Investment Ratio

A Penny saved is a Penny Earned. If not working on a fixed salary, then you must keep track of the percentage of your spending, saving and investing because of the varied income every month. Here’s the general ratio of your income according to which you should invest.

  • Follow the Famous 50/30/20 Thumb Rule
  • 50% to cover your necessities
  • 30% goes to your wants, luxuries
  • 20% goes to savings or investments

If you have a holiday plan coming, or planning to buy something that requires a lot of cash such as a car or a house, you bring down the luxuries to 20% and increase the saving percentage to 30%. And, if your necessities are covering less than 50%, then put the saved percentage in the savings portion.


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