Market Linked High Risk Instruments.
1- Direct Equities (Stocks): Buying Shares of Public Traded Companies on NSE or BSE.
2- Mutual Funds– Pooled Investment Fund or Trust Managed By Professionals offering Equity, debt, or Hybrid Asset.
3- Exchange Traded Fund(ETFs): Fund that track Stock indices, sectorial indices and commodities. it traded on exchange as stock.
Fixed income Low to Moderate Risk Instruments.
1- Fixed Deposits(FDs)/ Recurring Deposits(RDs)– Secure Account Offer by Bank with Guaranteed Interest over Maturity. (interest rates varies from depends upon bank and maturity.)
2- Public Provident Fund (PPF)– Government Backed 15 year Long Term Saving Tools offering Tax Free interest . (Rate- 7.10%)
3- NSC (National Saving Certificate)– It Govt Backed offered in Post Office Scheme 5 Years Long Saving Interest Rate- 7.70%
4- Govt Bonds/ Treasury Bills(T-Bills)– Govt Securities Having Fixed Coupon Rate Till Maturity. 91, 182 T- Bills Having Fixed Interest Rate.
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Retirement And Pension Schemes.
1- Senior Citizen Saving Scheme(SCSS)– Simple Interest Paid Every Quarter person Who 60 years Above can open this account maximum limit 30 Lakh interest Rate is 8.20%
2- National Pension System(NPS)– Market Linked Scheme Contribution of some amount That invested in mixed Asset Class like Equity, Govt Schemes, And Fixed Income.
3- Employees Provident Fund(EPF)– Contribution of some Amount From Salaries and Interest Paid 8.25%.Currently Can Change BY Govt Time to time.
Financial Goal Determines what Types of Investment to Choose.