पैसे का निवेश करने के सर्वोत्तम तरीके क्या हैं (What are the Best Ways to Invest Money )?

There are a lot of Investment strategies and tips available online and can be very overwhelming to a beginner who is just starting first his investment journey. But before going into investment options we need to understand these three points.

Liquidity: How can easily you get your money return from your investment.

Returns: How much you can grow your invested money.

Risk: How much possibility that you will lose your money.

The different ways to invest money based on the above point:


A savings account is a type of account wherein you can access your funds easily while getting good interest rates of 3-5%. But Further norms vary from one organization to the other. Saving account holders can access funds easily, they are used widely.


The fixed deposit is one of the simplest and most used investment products in India. It is known as a Term Deposit in New Zealand, Canada, Australia, Certificates of DEposit n the United States, and Bond in the UK.

A fixed amount we give to the bank for a certain fixed time. It has medium liquidity as some banks don’t have online withdrawal options, Zero risks, and still returns range from 4.5% to 7% depending on the bank and the tenure.

Fixed Deposits are bank deposits for a fixed or specified period chosen by an investor or depositor at a fixed rate of interest. But You can deposit money for as short a period as 7 days and up to 10years.


A recurring deposit is an investment cum savings option. This is a good avenue for those who want to save regularly and earn a higher interest rate. Every month, a fixed amount of money is deducted either from an investor’s savings account or a current account.

At the end of the maturity period, investors are paid back their invested funds with accrued interest.

The Recurring Deposit rate at each and every bank will may different, but it typically ranges between 7% to 9.25% p.a, and at Bandhan Bank, it is 5.5% and senior citizens get 6.25% in 1yrs to 18 months.


Easily you can buy and sell shares of publicly listed companies in the share market. The risk is high because you can lose your money if your analysis is wrong.

The company does badly where you have invested your amount. Warren Buffet, one of the richest men in the world has generated all his wealth by investing in stocks for the long term.


A Mutual Fund is an investment vehicle that pools money from investors with joint investment objectives and invests in respective investment avenues like equity, debt, money market instruments, etc.

A mutual fund is a group of assets that have been pooled together in which you buy units to gain proportionate ownership.

Fund managers who are professionals who are experts in the financial markets, manage these funds. But The purpose of a mutual fund is to provide you with the benefit of risk diversification.

GOLD: Since the 1990s, on average gold has returned 10% every year which makes it a good investment option. The best way to invest gold is to buy bonds or digital gold invest money.


Cryptocurrencies are digital assets people use as investments and for online purchases. But You exchange real currency, like dollars, to buy coins or tokens of a certain kind of cryptocurrency.

Cryptocurrency is exchanged from person to person on the web without a middleman, like a bank or government. It’s like the wild, wild west of the digital world but there is no marshal to uphold the law.


If you are a beginner sure you chose a trustworthy platform to get started personally, I would suggest using like Krypto app, Wazirax, Delta, Giotus, etc.

That is it! Next time when someone wonders. What are the Best Ways to Invest Money? Have Questions? Let me know in the comments below. I will try my best to answer all of them.

for more articles visit stockm




















Leave a Comment