FDs provide guaranteed safety up to ₹5L. Bonds and NCDs offer higher interest (9–11%) by lending to corporations or the government.
Infrastructure
A Demat Account is your digital locker for all securities. Portfolio Management (PMS) offers expert handling for large investments (₹50L+).
Growth (High Risk):
Equity and IPOs offer long-term ownership, while Commodities and F&O (Futures & Options) provide high-leverage trading for short-term gains.
Tax Planning
Use ELSS (Mutual Funds) under Section 80C to save tax while earning equity returns. In 2026, focus on the ₹1.25 lakh tax-free limit for long-term gains.
Retirement & Child Plans
These focus on a 15–20 year horizon. For retirement, use a mix of Equity SIPs and NPS. For a child’s future, high-growth diversified funds ensure the corpus beats education inflation.