Overview

• Government-backed instruments such as PPF, SCSS, MIS and FDs deliver guaranteed returns, tax breaks under Section 80C and customizable tenures with online tools for allocation planning.
• Equity mutual funds via systematic investment plans leverage rupee cost averaging to smooth market volatility and compound wealth over the long term.
• National Pension System lets contributors choose among equities, bonds and government securities before retirement and convert part of their corpus into annuities for steady post-retirement income.
• Unit-linked insurance plans combine market-linked exposure in equity and debt with life cover and death benefits to protect families while building long-term savings.
• Real estate investments offer tangible assets that can generate rental income or capital appreciation, with returns tied to location quality and market demand.