Are you new to investing? Here are the best options to grow your money safely and smartly in 2025.
1. Fixed Deposits (FD)
Great for low risk. You get a fixed return, usually around 6-8% yearly.
A fixed deposit (FD) is a tenured deposit account provided by banks or non-bank financial institutions which provides investors a higher rate of interest than a regular savings account, until the given maturity date. It may or may not require the creation of a separate account. The term fixed deposit is most commonly used in India and the United States. It is known as a term deposit or time deposit in Canada, Australia, New Zealand, and as a bond in the United Kingdom.
A fixed deposit means that the money cannot be withdrawn before maturity unlike a recurring deposit or a demand deposit. Due to this limitation, some banks offer additional services to FD holders such as loans against FD certificates at competitive interest rates. Banks may offer lesser interest rates under uncertain economic conditions. The tenure of an FD can vary from 7, 15 or 45 days to 1.5 years and can be as high as 10 years.
2. Public Provident Fund (PPF)
Tax-free returns with a 15-year lock-in. Government backed.
3. Mutual Funds
Good for medium to long term. Choose SIPs to start with a small amount monthly.
4. Stock Market
High risk, high reward. Invest only if you understand the market.
5. Real Estate
Buy property to earn rent or sell later at a higher price.
6. National Pension System (NPS)
Helps you save for retirement. Partial tax benefits.
7. Gold
Safe during inflation. You can buy digital gold too.
8. Recurring Deposits (RD)
Save a fixed amount monthly. Low returns but very safe.
9. Crypto (For Risk-Takers)
Not stable but offers big returns if chosen wisely.
10. Insurance Plans with Returns
Some life insurance plans give money back.
Top Keywords:
best investment options in India 2025
where to invest money for beginners
safe investment ideas
SIP vs FD comparison