Ankur Nikam
Risk vs. Reward Before you start, understand your risk appetite: Low, Medium, or High.
For the Safety-First Investor Fixed Deposits (FDs) & PPF: Guaranteed returns, low risk. Ideal for short-term goals or a safety net.
The Professional Approach Mutual Funds (SIPs): Pool money managed by experts. Start small with a Systematic Investment Plan (SIP).
Direct Ownership, Higher Potential Stocks (Equities): Buy shares of companies. High risk, but offers the best potential for long-term wealth creation.
The Golden Rule Gold (Sovereign Gold Bonds/ETFs): Acts as a hedge against inflation. A good diversification tool.
The Debt Story Bonds: Lending money to the government or corporations. Provides fixed, predictable income.
Your Tax Shield ELSS, PPF, NPS: Save tax while you invest! Look for options with Section 80C benefits.
Just Start! Consistency is key. Consult an advisor, diversify your portfolio, and begin your journey today.
Your Money Journey: Simple Steps to Financial Freedom