Where Should I Invest My Money?
Answer 4 quick questions and get personalized tool recommendations matched to your goal, timeline, and risk comfort.
What is your main financial goal?
This helps us understand what you want to achieve
🛡️
Build emergency fund
📈
Grow wealth long-term
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Save tax this year
🏖️
Plan for retirement
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Buy a home
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Other / Not sure
Questions & Answers
Where should I invest money for less than 1 year in India?
For less than 1 year, the safest options are Fixed Deposits (FD), Recurring Deposits (RD), or liquid mutual funds. Avoid equity (SIP/stocks) for short timeframes — markets can drop 20-30% in any 1-year period. FDs give 7-7.5% guaranteed; RDs are great if you have monthly savings to invest.
Is PPF or SIP better for long-term wealth?
For 10+ years, equity SIP historically outperforms PPF: SIP gives ~12% CAGR (pre-tax) vs PPF's 7.1% (tax-free). However, PPF is completely risk-free and the returns are guaranteed. The optimal strategy combines both: PPF for your debt/safe allocation (max ₹1.5L/year under 80C) and equity SIP for growth. This way you get tax benefits from PPF while letting equity do the heavy lifting.
How much of my savings should I invest in equity vs debt?
A common rule of thumb: subtract your age from 100 to get your equity percentage (e.g., at age 30, 70% equity / 30% debt). This naturally becomes more conservative with age. More precisely, take our Risk Profile Quiz to get a personalized allocation based on your specific financial situation.