Nowadays, many people look for the best ways to invest money, but most of the times people are confused to choose the right investment instrument that meets their financial needs. However, Investing money or making an investment decision is not that easy, as investors look for many objectives in just one instrument. Therefore, a question arises- where to invest? Well, there are diverse options to invest money, but we have shortlisted a few that are worth considering!
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Mutual Funds are considered to be one of the best ways to invest money. According to the term, a Mutual Fund is a collective pool of money with a common objective for purchasing securities (via fund). It offers investors a route to save money and earn returns over time. Mutual Funds provide diverse investment options like Bonds, debt, equities, etc., without requiring investors to make separate purchases and trades. There are various Types of Mutual Funds that you could consider while planning to invest money.
Investors can start investments with amounts as low as
INR 1000
and in the case of SIPs as low asINR 500
. There are various Mutual Fund calculators, available which help first-time investors decide what amount to start off with. These Mutual Fund calculators help investor kick-start investments.
There are 44 Mutual Fund companies in India (called Asset Management Companies “AMCs”) which provide Mutual Fund schemes. These companies are regulated by SEBI.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Sub Cat. DSP US Flexible Equity Fund Growth ₹67.7396
↑ 0.40 ₹989 14.6 16.2 23 17.4 16.6 17.8 Global Franklin Asian Equity Fund Growth ₹31.6147
↓ -0.32 ₹270 8 12.3 11.3 7.9 3.1 14.4 Global Axis Credit Risk Fund Growth ₹21.6718
↓ -0.01 ₹367 1.4 4.8 8.6 7.6 6.9 8 Credit Risk PGIM India Credit Risk Fund Growth ₹15.5876
↑ 0.00 ₹39 0.6 4.4 8.4 3 4.2 Credit Risk UTI Banking & PSU Debt Fund Growth ₹22.1725
↓ -0.01 ₹810 1.1 4.6 8.2 7.1 7.1 7.6 Banking & PSU Debt Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Aug 25 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP US Flexible Equity Fund Franklin Asian Equity Fund Axis Credit Risk Fund PGIM India Credit Risk Fund UTI Banking & PSU Debt Fund Point 1 Highest AUM (₹989 Cr). Bottom quartile AUM (₹270 Cr). Lower mid AUM (₹367 Cr). Bottom quartile AUM (₹39 Cr). Upper mid AUM (₹810 Cr). Point 2 Established history (13+ yrs). Oldest track record among peers (17 yrs). Established history (11+ yrs). Established history (10+ yrs). Established history (11+ yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 5★ (lower mid). Rating: 5★ (bottom quartile). Rating: 5★ (bottom quartile). Point 4 Risk profile: High. Risk profile: High. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Point 5 5Y return: 16.59% (top quartile). 5Y return: 3.09% (bottom quartile). 1Y return: 8.58% (lower mid). 1Y return: 8.43% (bottom quartile). 1Y return: 8.17% (bottom quartile). Point 6 3Y return: 17.39% (top quartile). 3Y return: 7.87% (upper mid). 1M return: 0.44% (upper mid). 1M return: 0.27% (lower mid). 1M return: 0.22% (bottom quartile). Point 7 1Y return: 22.97% (top quartile). 1Y return: 11.30% (upper mid). Sharpe: 2.44 (top quartile). Sharpe: 1.73 (lower mid). Sharpe: 1.86 (upper mid). Point 8 Alpha: -1.71 (bottom quartile). Alpha: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Point 9 Sharpe: 0.78 (bottom quartile). Sharpe: 0.57 (bottom quartile). Yield to maturity (debt): 7.81% (top quartile). Yield to maturity (debt): 5.01% (lower mid). Yield to maturity (debt): 6.47% (upper mid). Point 10 Information ratio: -0.40 (bottom quartile). Information ratio: 0.00 (top quartile). Modified duration: 1.99 yrs (bottom quartile). Modified duration: 0.54 yrs (lower mid). Modified duration: 1.78 yrs (bottom quartile). DSP US Flexible Equity Fund
Franklin Asian Equity Fund
Axis Credit Risk Fund
PGIM India Credit Risk Fund
UTI Banking & PSU Debt Fund
Fixed deposit is one of the most common ways to invest money. Every Bank offers a variety of services in FD’s that will lead to lucrative returns. FD’s come with a fixed maturity period. Also, as its maturity period ranges from 15 days to five years it can be considered for both short-term and long-term investments. Investors can earn on an average a rate of interest of 9.5% pa. So, if you want a safe investment then FD’s are one of the best ways to invest money.
Real Estate is the most preferred investment options. Basically, real estate invests and deals with ownership, purchases of land or property (estate). Before you invest in any kind of property, it is very important to get an in-depth detail first. For example, you should consider the location of property/land, look for wholesale properties, etc. It may take a huge amount to invest, but it’s a low risk with high return investment. However, if you are looking for one of the best ways to invest money then real estate is worth to think of!
Gold has always been one of the best ways to invest money. Moreover, Indians have traditionally had an affinity towards Investing in Gold. They have always looked at gold as an asset, which accumulates wealth over time. Gold has always maintained its value throughout the years. Also, it has been an excellent hedge against Inflation, i.e., it is considered to provide protection against the decreased value of a currency.
However, investors looking to invest money in gold can do so via ETFs or more specifically Gold ETFs. There are many benefits of investing in gold via the Gold ETF. If you are planning to invest, one should choose the best gold ETF to invest in by carefully looking at the performance of all the gold ETFs and then make a well-thought decision.
Below is the list of top Gold Funds
having AUM/Net Assets > 25 Crore
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Aditya Birla Sun Life Gold Fund Growth ₹29.9113
↑ 0.30 ₹663 7.9 19.8 40.3 24.5 13.4 18.7 Invesco India Gold Fund Growth ₹28.8259
↑ 0.14 ₹180 6.9 18.4 38.1 23.9 12.8 18.8 Nippon India Gold Savings Fund Growth ₹39.3887
↑ 0.42 ₹3,248 7.8 19.8 40.4 24.4 13.2 19 SBI Gold Fund Growth ₹30.0749
↑ 0.32 ₹4,740 7.7 19.5 40.3 24.7 13.4 19.6 ICICI Prudential Regular Gold Savings Fund Growth ₹31.858
↑ 0.34 ₹2,384 7.8 19.6 40.3 24.4 13.3 19.5 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Aug 25 Research Highlights & Commentary of 5 Funds showcased
Commentary Aditya Birla Sun Life Gold Fund Invesco India Gold Fund Nippon India Gold Savings Fund SBI Gold Fund ICICI Prudential Regular Gold Savings Fund Point 1 Bottom quartile AUM (₹663 Cr). Bottom quartile AUM (₹180 Cr). Upper mid AUM (₹3,248 Cr). Highest AUM (₹4,740 Cr). Lower mid AUM (₹2,384 Cr). Point 2 Established history (13+ yrs). Established history (13+ yrs). Oldest track record among peers (14 yrs). Established history (13+ yrs). Established history (13+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 2★ (lower mid). Rating: 2★ (bottom quartile). Rating: 1★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 13.43% (upper mid). 5Y return: 12.77% (bottom quartile). 5Y return: 13.19% (bottom quartile). 5Y return: 13.45% (top quartile). 5Y return: 13.34% (lower mid). Point 6 3Y return: 24.50% (upper mid). 3Y return: 23.89% (bottom quartile). 3Y return: 24.42% (lower mid). 3Y return: 24.72% (top quartile). 3Y return: 24.40% (bottom quartile). Point 7 1Y return: 40.32% (upper mid). 1Y return: 38.12% (bottom quartile). 1Y return: 40.39% (top quartile). 1Y return: 40.32% (lower mid). 1Y return: 40.27% (bottom quartile). Point 8 1M return: 4.25% (top quartile). 1M return: 3.32% (bottom quartile). 1M return: 4.16% (bottom quartile). 1M return: 4.16% (lower mid). 1M return: 4.22% (upper mid). Point 9 Alpha: 0.00 (top quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 0.00 (bottom quartile). Point 10 Sharpe: 2.62 (top quartile). Sharpe: 2.52 (lower mid). Sharpe: 2.48 (bottom quartile). Sharpe: 2.53 (upper mid). Sharpe: 2.50 (bottom quartile). Aditya Birla Sun Life Gold Fund
Invesco India Gold Fund
Nippon India Gold Savings Fund
SBI Gold Fund
ICICI Prudential Regular Gold Savings Fund
National Pension Scheme (NPS) came up with an objective to provide retirement Income to Indians. It is a retirement saving scheme where both employers and employees contribute towards building wealth, which is owed to the respective employee at the time of retirement. NPS is launched by the Government of India and the scheme is handled by the Pension Fund Regulatory and Development Authority (PFRDA).
However, NPS is considered as one of the best ways to invest money as its Tax Saving Investment. If investors invest up to 1.5 lakh annually they are eligible for tax Deduction under Section 80C. Indian citizens falling between the age bracket of 18 to 60 years are eligible for investing in NPS.
If you fear sudden loss, or if you want to safeguard your family’s life, then insurance is one of the best ways to invest money. Insurance gives you and your family a lifetime protection. People opt for insurance as a backbone during uncertain times in life. It provides financial support over uncertainties/ risks both in business and human life. There are different types of insurance policies like Property Insurance, health insurance, accident insurance, Travel Insurance, liability insurance, etc.
However, insurance doesn’t only support during uncertainties, but it is a very efficient mode of investment as well. It encourages saving money through schemes that come with a maturity date. So, if you haven’t opted for any insurance so far, start it today!
If you want to grow your money, earn higher returns, reach Financial goals or save for retirement than follow the aforementioned investing avenues as they are the best ones to invest money. If you don’t start investing your money now, you are missing out on opportunities to grow your financial worth! So start investing now!
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