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The best investment options don’t just come by; investors need to look for them.

The market is flooded with new and innovative investment options, but to make the best choice, it is imperative to know how these options work.

Any seasoned investor is also well-acquainted with the importance of diversification and vigilance, when trying to make good profits off their investment(s).

Investments primarily fall into two categories, these are

  • Financial assets, and
  • Non-financial assets.

Knowing the mechanism of both of these allows investors to find what suits them the best.

Here are the top investment options to invest your money in, this year, certainly depending on your risk appetite and capital.

  • Mutual Funds

Mutual Funds are perhaps the most popular vehicle for investment in the present times.

They not only offer substantial results, but they are also extremely easy to invest in since they offers SIPs (Systematic Investment Plans), which have very affordable lower limits for investment.

They are managed by professional who diversify investments across platforms to gain best possible returns and reduce the risk involved.

Moreover, Mutual Funds also offer immense liquidity of the funds of the investor.

Mutual Funds are of two types, Equity Mutual Funds and Bond Mutual Funds.

  • Equity Mutual Funds

As per guidelines by Securities and Exchange Board of India (SEBI), Equity Mutual Funds must invest at least 65% in equity-related instruments.

These funds can be maintained actively or passively as per the desires of the investor, and a Demat account is also not required to operate these funds.

Equity-based Mutual Funds may be Index Funds or Exchange Traded Funds, and may be investing in Domestic or International markets.

  • Bond Mutual Funds

Debt funds are relatively safer than equity based Mutual Funds since they do not invest in stocks but in bonds offered by governments and corporate.

These invest in securities, treasury bills, commercial paper and other market instruments, which offer steady returns, as they generate a fixed interest.

They do not involve as much risk as equities and therefore, are preferred by those with lower risk appetites, and those looking for a regular income.

  1. The Stock Market

Direct investments in equity can be quite daunting due to the volatility of the market and no guarantee of returns.

However, the risk involved with investing in equity has a huge potential of paying off. This is the only reason that such huge investments are made in the stock market despite its volatility.

The more risk one takes, the higher are the chances of receiving returns. But, one must plan their investments carefully and know the right time to buy or sell a particular stock. Investors also need a Demat account to deal in equities.

It is advisable to diversify across sectors and market capitalizations to reduce the risk involved and improve the chance for better returns.

Compared to other vehicles of investments, equities have been able to provide much better results, which are better suited to inflation.

  • Real estate

Real estate investments are those that are made in land/property other than the house you live in.

These investments are based on two factors:

(i) How much rent a property can generate for you, and

(ii) How much does the price of the property increase over time, which depends on the location of the property and how well the real estate market performs, which is linked to other factors.

However, investors must also keep in mind that real estate is far from liquid, unlike other investment vehicles. Selling property can be hindered by several factors, and one may also be unable to sell their property due to government regulations or stay orders.

  • Gold

Gold is definitely one of the most popular and relied upon investment options in India. Not only does gold have high liquidity and demand, it also has social and religious relevance.

However, most of the gold investment is in the form of jewelry, which often requires the payment of heavy making charges, ranging anywhere between 7% to 25% (in case of special designer jewelry).

To buy gold purely for investment purpose, it is advisable to invest in bullion, which is, mostly, gold coins. Corporates and huge investors may also opt to invest in Gold bricks.

Further, investments can be made in gold via buying stocks which are based on gold, crypto-currency, which is backed by gold, ETF’s dealing in gold, and sovereign gold bonds. Together these are called paper gold.

  • Bank/ Government Schemes

The various investment options offered by Banks and government schemes are perhaps the most reliable and least risky ones. Moreover, the credibility of Banks and the Government is least likely to be questioned in relatively Westernized societies.

There are various options offered by Banks and the Government for the public to invest in.

(i) Fixed Deposit

One of the most common and oldest investment options in India is Bank Fixed Deposit (FD), which offers high interest on a fixed amount of money in their bank account.

The investor can opt from the various interest options- monthly, quarterly, half-yearly, yearly or cumulative interest option.

The interest earned is added to the investor’s income and is taxable.

(ii) Public Provident Fund (PPF)

Public Provident Funds (PPF) is a favorite of the common people in India.  The minimum tenure of a PPF investment is 15 years after which it can be extended for 5 years.

The interest earned on PPF is compounded annually, which allows for great returns, and the interest is even tax-free.

In case one needs, they can also take a loan against PPF.

(iii) National Pension Scheme (NPS)

National Pension Scheme (NPS) is a product managed by the Pension Fund Regulatory and Development Authority (PFRDA) and aims to provide retirement solutions to the investors.

It is a long term investment and invests in a mix of equity, fixed deposits, corporate bonds, liquid funds and government funds, and more, while allowing the investors to make the calls as per their risk appetites, respectively.

(iv) Senior Citizens’ Saving Scheme (SCSS)

Senior Citizens’ Saving Scheme (SCSS) is a scheme only for senior citizen and early-retirees, those above the age of 60.

SCSS are easily available at banks and post offices, and have tenure of 5 years, after which the scheme can be further extended by three years.

The scheme offers interest in the range of 8% which is payable quarterly. However, the interest is also taxable.

(v) RBI Taxable Bonds

This scheme offered by the government has tenure of 7 years, and offers an interest of 7.75% per annum.

These bonds are issued in demat form and are credited to the Bond Ledger Account (BLA) of the investor. A Certificate of Holding is given to the investor as proof of the investment.


These are the most popular and reliable investment options available in the market in 2018, and one can make the best of them if vigilant and well-informed.

While some of these are market linked, others offer fixed income. This way, there is something for everyone, to meet their short-term as well as long-term goals.

A well-balanced mix of diverse investments, therefore, can enable one to make great returns with the help of the tax benefits and high interest rates that are offered by some of these plans.


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An ambassador and trained facilitator under Eco Femme (a social enterprise working towards menstrual health in south India), Sanjina is also an active member of the MHM Collective- India and Menstrual Health Alliance- India. She has conducted Menstrual Health sessions in multiple government schools adopted by Rotary District 3240 as part of their WinS project in rural Bengal. She has also delivered training of trainers on SRHR, gender, sexuality and Menstruation for Tomorrow’s Foundation, Vikramshila Education Resource Society, Nirdhan trust and Micro Finance, Tollygunj Women In Need, Paint It Red in Kolkata.

Now as an MH Fellow with YKA, she’s expanding her impressive scope of work further by launching a campaign to facilitate the process of ensuring better menstrual health and SRH services for women residing in correctional homes in West Bengal. The campaign will entail an independent study to take stalk of the present conditions of MHM in correctional homes across the state and use its findings to build public support and political will to take the necessary action.

Saurabh has been associated with YKA as a user and has consistently been writing on the issue MHM and its intersectionality with other issues in the society. Now as an MHM Fellow with YKA, he’s launched the Right to Period campaign, which aims to ensure proper execution of MHM guidelines in Delhi’s schools.

The long-term aim of the campaign is to develop an open culture where menstruation is not treated as a taboo. The campaign also seeks to hold the schools accountable for their responsibilities as an important component in the implementation of MHM policies by making adequate sanitation infrastructure and knowledge of MHM available in school premises.

Read more about his campaign.

Harshita is a psychologist and works to support people with mental health issues, particularly adolescents who are survivors of violence. Associated with the Azadi Foundation in UP, Harshita became an MHM Fellow with YKA, with the aim of promoting better menstrual health.

Her campaign #MeriMarzi aims to promote menstrual health and wellness, hygiene and facilities for female sex workers in UP. She says, “Knowledge about natural body processes is a very basic human right. And for individuals whose occupation is providing sexual services, it becomes even more important.”

Meri Marzi aims to ensure sensitised, non-discriminatory health workers for the needs of female sex workers in the Suraksha Clinics under the UPSACS (Uttar Pradesh State AIDS Control Society) program by creating more dialogues and garnering public support for the cause of sex workers’ menstrual rights. The campaign will also ensure interventions with sex workers to clear misconceptions around overall hygiene management to ensure that results flow both ways.

Read more about her campaign.

MH Fellow Sabna comes with significant experience working with a range of development issues. A co-founder of Project Sakhi Saheli, which aims to combat period poverty and break menstrual taboos, Sabna has, in the past, worked on the issue of menstruation in urban slums of Delhi with women and adolescent girls. She and her team also released MenstraBook, with menstrastories and organised Menstra Tlk in the Delhi School of Social Work to create more conversations on menstruation.

With YKA MHM Fellow Vineet, Sabna launched Menstratalk, a campaign that aims to put an end to period poverty and smash menstrual taboos in society. As a start, the campaign aims to begin conversations on menstrual health with five hundred adolescents and youth in Delhi through offline platforms, and through this community mobilise support to create Period Friendly Institutions out of educational institutes in the city.

Read more about her campaign. 

A student from Delhi School of Social work, Vineet is a part of Project Sakhi Saheli, an initiative by the students of Delhi school of Social Work to create awareness on Menstrual Health and combat Period Poverty. Along with MHM Action Fellow Sabna, Vineet launched Menstratalk, a campaign that aims to put an end to period poverty and smash menstrual taboos in society.

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Find out more about the campaign here.

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A psychologist and co-founder of a mental health NGO called Customize Cognition, Ritika forayed into the space of menstrual health and hygiene, sexual and reproductive healthcare and rights and gender equality as an MHM Fellow with YKA. She says, “The experience of working on MHM/SRHR and gender equality has been an enriching and eye-opening experience. I have learned what’s beneath the surface of the issue, be it awareness, lack of resources or disregard for trans men, who also menstruate.”

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A Computer Science engineer by education, Nitisha started her career in the corporate sector, before realising she wanted to work in the development and social justice space. Since then, she has worked with Teach For India and Care India and is from the founding batch of Indian School of Development Management (ISDM), a one of its kind organisation creating leaders for the development sector through its experiential learning post graduate program.

As a Youth Ki Awaaz Menstrual Health Fellow, Nitisha has started Let’s Talk Period, a campaign to mobilise young people to switch to sustainable period products. She says, “80 lakh women in Delhi use non-biodegradable sanitary products, generate 3000 tonnes of menstrual waste, that takes 500-800 years to decompose; which in turn contributes to the health issues of all menstruators, increased burden of waste management on the city and harmful living environment for all citizens.

Let’s Talk Period aims to change this by

Find out more about her campaign here.

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A former Assistant Secretary with the Ministry of Women and Child Development in West Bengal for three months, Lakshmi Bhavya has been championing the cause of menstrual hygiene in her district. By associating herself with the Lalana Campaign, a holistic menstrual hygiene awareness campaign which is conducted by the Anahat NGO, Lakshmi has been slowly breaking taboos when it comes to periods and menstrual hygiene.

A Gender Rights Activist working with the tribal and marginalized communities in india, Srilekha is a PhD scholar working on understanding body and sexuality among tribal girls, to fill the gaps in research around indigenous women and their stories. Srilekha has worked extensively at the grassroots level with community based organisations, through several advocacy initiatives around Gender, Mental Health, Menstrual Hygiene and Sexual and Reproductive Health Rights (SRHR) for the indigenous in Jharkhand, over the last 6 years.

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A Guwahati-based college student pursuing her Masters in Tata Institute of Social Sciences, Bidisha started the #BleedwithDignity campaign on the technology platform, demanding that the Government of Assam install
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