What are the best ways to invest saving?

1. Fixed deposit: Fixed deposit investment is an evergreen solution. It has been the top choice for individual investors when the investment options were really scarce, and it remains so even when there is an infinite number of investment schemes available in India. The factors that make a fixed deposit so popular are:

• Investment safety: Investment in fixed deposit has very rare chances of depreciation, and it happens only when the inflation rate increases beyond the offered interest rate.
• Fixed sum upon maturity: Investment in the fixed deposit is free from market fluctuations and hence a fixed sum is guaranteed upon maturity.
• Tax saving scheme: Income generated from fixed deposit investment of up to Rs 10000 is non-taxable.

2. Post office schemes: Post office PPF schemes are quite similar to regular FD but they offer a better return on investment compared to the latter. The only drawback for many is, PPF scheme has a lock-in period of 15 years and the complete amount can be withdrawn only after the maturity.

3. Long-term equity-linked scheme: Equity-linked scheme are a bit risky but they are worth a try. If the luck plays on your side, you can expect more than twice the return on investment as compared to any scheme.

You can try these and you can even choose the alternatives Mr Umang and Mr Pawan have suggested.

The answer is depend on the age, amount, martial status, education qualification, nature of employment etc. If you are young and literate prefer about shares. IF you are an old person always fixed deposit in National banks not co-operative banks. If you are married and having taxable income by a flat to claim interest, principal amount if paid. The answer always not rigid for your question. The answer is depend upon your financial, physical strengths. But one thing is true Bank fixed deposits 100% securd if the bank is nationalised. Even some time you may be asked to choose insurance.

Sir, what about mutual fund i heard many times ' invest 5000p.m which become 28.63 lakhs in recurring deposit but 66.35 lakhs in SIP after 20 years' is it true??

Indian banks are offers different <a href="https://www.techgib.com/types-of-bank-account-in-india/">types of deposits</a> in which you can invest your money. every deposit contains different types of pros & cons.

I think Fixed Deposit are the best way to invest Business Process Management

Some of the pros and cons of investing in fixed deposits:

Pros:

• Guaranteed returns: Fixed deposits offer guaranteed returns, which means that you are guaranteed to earn a certain amount of interest on your investment. This makes them a good option for investors who are looking for a safe and secure investment.
• Liquidity: Fixed deposits are relatively liquid, which means that you can access your money if you need it. However, there may be penalties for early withdrawal.
• Tax benefits: Interest earned on fixed deposits is taxable, but there are certain tax benefits available to investors.

Cons:

• Low returns: The interest rates on fixed deposits are usually lower than the returns that can be earned on other investment options, such as stocks or mutual funds.
• Inflation risk: Fixed deposits offer a fixed rate of return, which means that your investment will not keep up with inflation. This means that your purchasing power will decrease over time.
• Lock-in period: Fixed deposits have a lock-in period, which means that you cannot access your money until the end of the lock-in period. This can be a problem if you need access to your money in an emergency.

Overall, fixed deposits are a safe and secure investment option that offers guaranteed returns. However, they also offer lower returns than other investment options and are not immune to inflation.

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