Feb 19, 2025

8 Smart Investments for Beginners

Kuhu Verma

Public Provident Fund (PPF)

A government-backed, tax-free investment with long-term benefits and guaranteed returns.

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SIP in Mutual Funds

You can start with as little as ₹500 per month and grow your wealth with disciplined investing.

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Recurring Deposits (RD)

A low-risk, fixed-income option for consistent savings with assured returns.

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Fixed Deposits (FD)

Higher interest rates than regular banks with secure, low-risk returns, they can be started in small-finance banks.

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Sovereign Gold Bonds (SGBs)

You can now invest in gold digitally with tax benefits and annual interest payouts.

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National Pension System (NPS)

A retirement-focused investment with tax savings and flexible contribution options for long-term savings,

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Equity Linked Savings Scheme (ELSS)

A tax-saving mutual fund option with the potential for high long-term growth.

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Post Office Monthly Income Scheme (POMIS)

A government-backed, secure option that provides a fixed monthly income that be long or short-term.

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