As an employee, we are likely to receive pennies from heaven at least once or twice a year in the form of a monthly bonus, incentives, and gratuity bonus etc. Now, this money, if used wisely, can grow and turn significant enough to meet your varied financial goals in near future. The key is to invest the money in the right place.


Moving on, before you end up making a hasty decision, define ‘right’ for yourself based on your custom needs related to your investment. For some, ‘right’ here defines as an investment scheme which offers decent returns along with the highest principal safety. On the other hand, for some people, it can mean the highest returns at any cost. In short, talking about the returns from the right scheme, you’ll also have to define your risk appetite. On that note, below are some ideal investment tools you can consider.

Fixed Deposit: Fixed deposit is the ideal investment solution for people whether they belong to the 1st category or the 2nd category of investors. Fixed deposit, from the right financial institution, can offer returns as high as 8.75% per annum while maintaining the highest level of safety.




Mutual Funds: Mutual funds can also be a great solution as long as you choose the right type. Mutual funds are of various types and the risk factor increases with increasing return expectation.

Stocks: Last but not the least, you can invest directly in stocks market using a DEMAT account. Having said that, take your decision wisely: the risk factor is the highest in stock investment.