What is Investment?

Investment is a technique of building wealth by setting aside some money to obtain additional income or profit over time. When you invest your money in innovative investment options, you can ensure its steady growth.

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Manage Financial Goals

Starting investments based on your long or short-term plans can help you meet  financial goals quickly. You must chalk out a plan to tie up every investment with your goal, so you can promptly fulfil them.

Compounding Returns

When you start investing early, you can reap the benefits of compounding returns, which keep increasing over time. With a handsome fund at your hand you don't miss out on awesome investing opportunities

Create Retirement Corpus

You can invest smartly to grow your corpus, & accumulate savings to grow over time. By setting aside a sum of money for retirement, you can ensure that you cater to your regular expenses and secure your future.

Top 10 Best Investment Options with High Returns

In today’s world, earning money may not be enough to fulfil your financial goals and take your dreams towards fruition. Instead of letting your hard-earned money lie idle in your bank accounts, you may consider investing in investment options such as stocks, equities, mutual funds, Fixed deposits, or more. Though there are so many investment options available, making the right choice may get overwhelming. To help you decide the best investment options to consider, here’s a rundown on different types of investments and their returns.

Institution details

Investors usually take investment decisions, based on their risk appetite.

Thus, these investments are classified into different risk levels, which include low risk, medium risk and high risk. Here’s a look at these investment options in detail:

   Low Risk Investment

These are instruments that pay fixed income – irrespective of the changes in the business or economy. Bonds, debentures and Fixed Deposits fall under this category. Also, special investment vehicles – PPF, EPF, SCSS, Sukanya Samriddhi, National Savings Scheme and other small Post Office Schemes created by a government statute for specific purposes are low risk as they guarantee the returns. The returns are periodic and pre-determined.

Low-risk investments are not often linked with stock market movements and are usually governed by the interest rate movements of the financiers. However, there is always the returns are always guaranteed. Government bonds and life insurance policies provide good returns. However, they have long lock-in periods. So, you will have to wait for a long time to earn substantial returns from these investment options. Fixed Deposit is one of the few low-risk investments that offer stable, high returns and immediate liquidity.

   Medium Risk Investment

These investments might have a certain percentage of risk, but these also pay higher returns to investors willing to invest in them. Debt funds, balanced mutual funds, and index funds are a part of this category. Such instruments have an element of debt and stability, but they have their volatility linked to the markets, which can hamper your principal amount. The irregularity in earnings can make any fixed income from such investment impossible.

   High Risk Investment

These are investments where there is no limit to the upside along with the downside of risk-returns. These are stocks of companies, equity mutual funds, even stocks, and derivatives. The return on these instruments can give huge returns and chances of losses depending on various external factors to the company and internal ones. The quantity and timing of returns on these instruments are not fixed. Hence, they are at high risk.

Best Investment Options in India

Here are few investment options Indians look at while savings for their financial goals


Buying shares of companies is a one-time investment plan. It is one of the easiest ways to invest your money in any business. This is kind of owning the part of the company which each investor buys. You can trade these shares in the Stock market marketplace, where all trades are made electronically. It is one of the most lucrative and riskiest investment options to buy.

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Fixed deposits

These are the safest investment where you are assured fixed interest at fixed intervals of time. Fixed Deposit is offered by banks and NBFCs (non-banking financial companies). It provides options for investing and flexibility to pay. Short term investment plans with Fixed deposits can help you protect your funds against inflation.

FD Opportunity

Mutual Funds

These are collective investment vehicles managed by a fund manager that pools people’s money and invests in stocks and bonds of various companies to create a return. They are in the same category of risk as stocks, though slightly less.

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Public Provident Fund

Public Provident Fund is one of the most common and trusted investment plans in India. It pays an interest rate annually and requires a minimum of Rs 500 per annum investment. It has a life of 15 years, with partial withdrawals allowed of the corpus at various points. This option also pays a high and steady rate of interest as prescribed by the government from time to time.

PPF Knowledge


Investing in Bitcoin is much easier when you break it down into steps. You don't have to understand computer programming to realise that banks, businesses, the bold, and the brash are cashing in on cryptocurrencies. This guide will help you get started, but always remember that Bitcoin investing carries a high degree of speculative risk.

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Venture Funding

Investing as a Venture funding in someone's startup is the most risk yet most adventurous investment mode, where you are investing in 'someone'. You are investing in one's concept that it will disrupt the market with his product or services. Investing in any startup is full of uncertainty, but it can give you returns that can bring fortunes to you. It's all about trusting an idea that will impact the masses at large. Here every investment is short term, with the option of exiting at every new series of funding.

Funding Options