How to invest in your 20s or Later?

 When we reach by the age of 18, we have always heard about investing money on different platforms; even if it is a very small amount. Like every individual, we are always confused that where to invest. So here are a few investment ideas for you.

1. Mutual Funds - There are a huge amount of mutual funds to invest in with different goals and perceptions. One can also receive tax benefits with mutual funds investments. The interesting part is, that you can start to invest with Rs. 100/- per month! You can invest Monthly as a SIP (Systematic Investment Plan) and do Lumpsum for a long period of time. This investment can benefit you in the Long term effectively. Now you will also feel like SAHI HAI!! I prefer the GROWW app. No hidden and additional charges.

2. Stock Market - One of the most popular ways to invest nowadays and create a great influence on the youngsters of today's era. The Stock Market is a popular way to invest your money and get good returns in India. The history of the Indian market is proof of growth as shown in the picture.

I am using the GROWW app apart from that you can use ANGEL BROKING as a good tool to invest. There are two ways to invest in the stock market i.e. INTRADAY TRADING and DELIVERY TRADING.

Note - I am not a stock market advisor, invest at your own risk.

3. Digital Gold - Gold always has been a great investment for every individual in India. Here we do not want to pay making charges and any other expenses right? So we can invest gold digitally without any making charges. And the interesting fact is you can invest with just Rs. 10/-. These golds are 99.99% pure and you can invest easily on the Phone Pe app. 

4. IPOs -  Quite relatable to Stock Market but a bit safer than that. Here one person bids on the stock that is going to be listed in the stock market. The investment varies from Rs. 14500/- to Rs. 1,00,000/-. The orders are placed at least 2 weeks before listing and the kind of lucky draw is done. If your allotment is done then you will have the decided number of shares in your Demat account on the day of listing and you can sell it or hold it, up to you. If the allotment is not secured then your amount will be refunded. You can use the GROWW app to apply.

5.  Bonds - Want some fixed returns? Here is one of the safest investments you can do if you want fixed returns and it is far better than FD as you will get around 4% in FDs and guess what you will get 7-9% from the bonds. There is a lock-in period in that, which is around 2 to 10 years or more. 

And it requires a huge amount maximum times. But I have a solution for this as well! Here you can invest in bonds with the minimum amount of Rs. 1000/- by using Kotak Cherry. 

6. ETFs - Also known as Exchange Traded Funds, if one wants to diversify their portfolio then it is a good way to invest your money. One can hold more stocks with a low amount of money that is distributed among the desired stocks and companies. If one wants to divide their investment in the share market and gold then they can also split it. The best platform to invest in ETFs is the Small case app.

Here are my best options to invest the money in your 20s and later. If you found this helpful, let us know in the comments and also comment on what investment you have done so far.

Thank you for reading.