IMPORTANT INVESTMENT SCHEMES (INDIA)
💰 1. Savings Account
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Minimum: ₹0 – ₹5,000 (bank-based)
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Risk: Very Low
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Purpose: Emergency / liquidity
📄 2. Fixed Deposit (FD)
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Minimum: ₹1,000
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Risk: Low
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Purpose: Capital safety + fixed returns
🏦 3. Recurring Deposit (RD)
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Minimum: ₹500 per month
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Risk: Low
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Purpose: Monthly disciplined savings
📈 4. Mutual Funds – SIP
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Minimum: ₹500 per month
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Risk: Depends on fund type
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Purpose: Long-term wealth creation
📊 5. Index Funds / ETFs
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Minimum: ₹500 (SIP) or 1 unit (ETF)
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Risk: Market linked (Moderate)
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Purpose: Passive investing
🧓 6. Public Provident Fund (PPF)
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Minimum: ₹500 per year
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Maximum: ₹1.5 lakh/year
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Risk: Very Low (Govt backed)
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Purpose: Tax saving + retirement
🛡 7. National Pension System (NPS)
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Minimum: ₹500 per contribution
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Risk: Market linked (Moderate)
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Purpose: Retirement planning
🏡 8. Sukanya Samriddhi Yojana
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Minimum: ₹250 per year
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Risk: Very Low
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Purpose: Girl child future
💎 9. Gold Investment
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Digital Gold: ₹100+
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Gold ETF: 1 unit (₹50–₹70 approx)
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Sovereign Gold Bond (SGB): 1 gram
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Risk: Moderate
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Purpose: Hedge against inflation
📉 10. Direct Equity (Shares)
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Minimum: Price of 1 share
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Risk: High
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Purpose: High return potential
🧾 11. Post Office Schemes
| Scheme | Minimum |
|---|---|
| Post Office Savings | ₹500 |
| Monthly Income Scheme | ₹1,000 |
| Time Deposit | ₹1,000 |
| KVP | ₹1,000 |
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Risk: Low
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Purpose: Safe returns
🧠 12. ULIP
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Minimum: ₹1,500 – ₹2,500 per month
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Risk: Market linked
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Purpose: Insurance + investment (long term)
📌 SIMPLE THUMB RULE
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Beginner → RD / SIP / PPF
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Long term wealth → Equity MF / Index funds
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Safety → FD / PPF / Post Office
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Retirement → NPS + Equity MF
