Investing wisely starts with understanding different asset classes—each offering unique benefits, risks, and returns. Whether you're looking for stable, low-risk options or high-growth opportunities, knowing where to invest is the first step toward financial success.
| Asset Class | Risk Level | Expected Return (%) | Liquidity | Best for | Example Investments |
| Fixed Deposits (FDs) | Low | 4% - 7% | High (Premature Withdrawal Allowed) | Safe and Stable returns | Bank FDs, Post Office Time Deposits |
| Savings Account | Very Low | 2% - 4% | Very High (Instant Access) | Emergency Funds, daily expenses | Bank Savings Account |
| Government Bonds | Low | 6% - 8% | Moderate to High | Emergency funds, daily expenses | RBI bonds, Sovereign Gold Bonds (SGBs) |
| Mutual Bonds | Medium to High | 8% - 15% | High (Depends on Fund Type) | Diversification, Passive Investing | Equity, Debt, Index Funds |
| Stocks (Equity) | High | 10% - 25% | High | Long-terms wealth creation | Large - cap, Mid - cap, Small - cap |
| Gold & Silver | Medium | 6% - 10% | High (Digital Gold, ETFs) / Low Physical | Hedge against inflation | Gold ETFs, Physical Gold,Silver |
| Real Estate | Medium to High | 7% - 12% | Low (Requires Selling Process) | Capital appreciation, rental income | Residential and Commercial Property |
| Cryptocurrency | Very High | Highly Volatile | High | High-risk, high-reward investing | Bitcoin, Ethereum, Altcoins |