Fixed Deposits (6–7.5% returns)
Best for: Capital preservation and guaranteed returns. FDs offer fixed returns with zero market risk. Senior citizens get 0.25–0.50% extra. Ideal for emergency funds and short-term goals.
Mutual Funds (10–15% historical returns)
Best for: Long-term wealth building. Equity mutual funds have historically delivered 10-15% annual returns over 10+ years. SIP mode makes it accessible for small monthly investments. Choose direct plans for lower expense ratios.
Stocks (Variable returns)
Best for: Investors willing to research individual companies. Higher potential returns but also higher risk. Start with large-cap stocks and diversify across sectors.
PPF & NPS
PPF: 7.1% tax-free returns with 15-year lock-in. Great for Section 80C deduction. NPS: Market-linked retirement fund with additional ₹50,000 deduction under 80CCD(1B).
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