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.
SIP
Your wealth builder. It automates monthly investments, using Rupee Cost Averaging to buy more units when prices are low.
STP
Ideal for lump sums. It parks your money in a safe Debt fund and moves it slowly into Equity to avoid market shocks.
SWP
Your “self-made pension.” It allows you to withdraw a fixed monthly amount from your corpus, offering better tax efficiency than traditional interest