What are the best ways to invest Rs. 5K per month other than Sip?

<p class="q-text qu-display–block qu-wordBreak–break-word qu-textAlign–start">There are several financial products where you can invest your money that give good returns. But the returns depend on the number of years you will be investing.</p>
<p class="q-text qu-display–block qu-wordBreak–break-word qu-textAlign–start">So, if you are interested to invest in shares, then start investing in certain shares and start accumulating over a long period. Check the stocks which give good returns</p>
<p class="q-text qu-display–block qu-wordBreak–break-word qu-textAlign–start">Else, you can go with an easy option I.e in Recurring deposit each month or invest in PPF which has lock in of 15 years and with different interest rates.</p>
<p class="q-text qu-display–block qu-wordBreak–break-word qu-textAlign–start">If you have demat account, you can buy gold bonds every month. If you want to invest you money for more than 3- 5 years, then invest SIP in Equity mutual fund. In these scheme, you can choose one from large cap equity mutual fund and Multi Cap. Else in hybrid mutual fund, one scheme from Balancing strategy another from asset re -allocation strategy hybrid mutual fund.</p>
<p class="q-text qu-display–block qu-wordBreak–break-word qu-textAlign–start">Some of the financial investment are given below:</p>
<ul class="q-box">
<li class="q-relative">Direct Equity Investments (provided you have high risk appetite) – If you are young enough and can take risks associated with stock investments, investing directly in equity is best for you investment decision you can make. Here, you make direct stock purchases of companies which you feel may give you good returns in times to come. Equity stocks have the best possibility to offer higher returns (if chosen wisely).</li>
<li class="q-relative">Mutual Funds – An investor who has time to track the market and is well informed about the market can put in money in stock market directly. Whereas, investors who have low-risk profile and those who find it difficult to dedicate time to study the market can take the mutual fund route, which is to a large extent, the best mode to invest in equities. With mutual fund, an investor gets the benefit of diversification, liquidity as mutual fund schemes are highly liquid and comes with the advantage of professional management. Through mutual funds, one does not have to put in a lump sum amount, instead he/she can start off with as low as Rs 500 per month via SIP. Mutual funds can give you around 12%-15% returns.</li>
<li class="q-relative">Public Provident Fund (PPF) – PPF scheme is a popular long term investment option backed by Government of India, which offers safety with attractive interest rate and returns that are fully exempted from Tax. Account can be opened by resident Indian Individuals and individuals on behalf of minors. Investors can invest minimum Rs 500 to maximum Rs 1,50,000 in one financial year. Attractive interest rate of 8.1% that is fully exempted from Income Tax under section 80C.</li>
<li class="q-relative">Liquid Funds (Bank FD) – It is important that you block some part of your savings in liquid funds. As the name suggests, they are completely liquid which means you can withdraw money anytime. They have capital guarantee, so your capital is 100% safe and you get returns at around 8.5% – 9%. Keeping some part of your savings in bank account might also be a considerable option because as a student you might need money any time.</li>
<li class="q-relative">Choose Debt Funds Over Fixed Instruments – Debt funds are more tax-efficient and give higher post-tax returns. Fixed deposits (FDs) are safe, but also tax-inefficient. Short-term debt funds can be a better alternative. Though the returns generated from short-term debt funds are similar to the interest you earn on FDs, the tax benefits mean that the actual return from debt funds is higher if you hold them for more than three years.</li>
<li class="q-relative">Sukanya Scheme – It is a small saving scheme initiated by the Government of India to encourage people to save from an early age to fund their girl child’s higher education and marriage expenses. The account can be opened in a post office or authorized branches of the commercial bank by the parents or legal guardian of a girl child until she attains the age of 10 years. You just have to make a minimum deposit of Rs 1,000 per year under the scheme. You can invest any number of times in multiples of Rs 100 or as a lump sum of Rs 1000 during the year. However, the maximum contribution in a year should not exceed Rs 1.5 lakhs.</li>
<li class="q-relative">Atal Pension Yojana Scheme – It is a recent investment option launched by Modi Govt, any Indian can apply for this scheme and the age limit should be between 18-40 years. This is safe investment option for lower income people for long term investments. You cannot withdraw before attaining 60 years unless exceptional scenario. The government will contribute 50% of your contribution for 5 years or Rs 1,000 and whichever is lower is applicable. This contribution is only for non income tax payers and if you want monthly pension of Rs 5000, then your monthly contribution starting from age 20 years is Rs 250 approx.</li>
</ul>

<p class="q-text qu-display–block qu-wordBreak–break-word qu-textAlign–start">There are several financial products where you can invest your money that give good returns. But the returns depend on the number of years you will be investing.</p>
<p class="q-text qu-display–block qu-wordBreak–break-word qu-textAlign–start">So, if you are interested to invest in shares, then start investing in certain shares and start accumulating over a long period. Check the stocks which give good returns</p>
<p class="q-text qu-display–block qu-wordBreak–break-word qu-textAlign–start">Else, you can go with an easy option I.e in Recurring deposit each month or invest in PPF which has lock in of 15 years and with different interest rates.</p>
<p class="q-text qu-display–block qu-wordBreak–break-word qu-textAlign–start">If you have demat account, you can buy gold bonds every month. If you want to invest you money for more than 3- 5 years, then invest SIP in Equity mutual fund. In these scheme, you can choose one from large cap equity mutual fund and Multi Cap. Else in hybrid mutual fund, one scheme from Balancing strategy another from asset re -allocation strategy hybrid mutual fund.</p>
<p class="q-text qu-display–block qu-wordBreak–break-word qu-textAlign–start">Some of the financial investment are given below:</p>
<ul class="q-box">
<li class="q-relative">Direct Equity Investments (provided you have high risk appetite) – If you are young enough and can take risks associated with stock investments, investing directly in equity is best for you investment decision you can make. Here, you make direct stock purchases of companies which you feel may give you good returns in times to come. Equity stocks have the best possibility to offer higher returns (if chosen wisely).</li>
<li class="q-relative">Mutual Funds – An investor who has time to track the market and is well informed about the market can put in money in stock market directly. Whereas, investors who have low-risk profile and those who find it difficult to dedicate time to study the market can take the mutual fund route, which is to a large extent, the best mode to invest in equities. With mutual fund, an investor gets the benefit of diversification, liquidity as mutual fund schemes are highly liquid and comes with the advantage of professional management. Through mutual funds, one does not have to put in a lump sum amount, instead he/she can start off with as low as Rs 500 per month via SIP. Mutual funds can give you around 12%-15% returns.</li>
<li class="q-relative">Public Provident Fund (PPF) – PPF scheme is a popular long term investment option backed by Government of India, which offers safety with attractive interest rate and returns that are fully exempted from Tax. Account can be opened by resident Indian Individuals and individuals on behalf of minors. Investors can invest minimum Rs 500 to maximum Rs 1,50,000 in one financial year. Attractive interest rate of 8.1% that is fully exempted from Income Tax under section 80C.</li>
<li class="q-relative">Liquid Funds (Bank FD) – It is important that you block some part of your savings in liquid funds. As the name suggests, they are completely liquid which means you can withdraw money anytime. They have capital guarantee, so your capital is 100% safe and you get returns at around 8.5% – 9%. Keeping some part of your savings in bank account might also be a considerable option because as a student you might need money any time.</li>
<li class="q-relative">Choose Debt Funds Over Fixed Instruments – Debt funds are more tax-efficient and give higher post-tax returns. Fixed deposits (FDs) are safe, but also tax-inefficient. Short-term debt funds can be a better alternative. Though the returns generated from short-term debt funds are similar to the interest you earn on FDs, the tax benefits mean that the actual return from debt funds is higher if you hold them for more than three years.</li>
<li class="q-relative">Sukanya Scheme – It is a small saving scheme initiated by the Government of India to encourage people to save from an early age to fund their girl child’s higher education and marriage expenses. The account can be opened in a post office or authorized branches of the commercial bank by the parents or legal guardian of a girl child until she attains the age of 10 years. You just have to make a minimum deposit of Rs 1,000 per year under the scheme. You can invest any number of times in multiples of Rs 100 or as a lump sum of Rs 1000 during the year. However, the maximum contribution in a year should not exceed Rs 1.5 lakhs.</li>
<li class="q-relative">Atal Pension Yojana Scheme – It is a recent investment option launched by Modi Govt, any Indian can apply for this scheme and the age limit should be between 18-40 years. This is safe investment option for lower income people for long term investments. You cannot withdraw before attaining 60 years unless exceptional scenario. The government will contribute 50% of your contribution for 5 years or Rs 1,000 and whichever is lower is applicable. This contribution is only for non income tax payers and if you want monthly pension of Rs 5000, then your monthly contribution starting from age 20 years is Rs 250 approx.</li>
</ul>

<p class="q-text qu-display–block qu-wordBreak–break-word qu-textAlign–start">There are several financial products where you can invest your money that give good returns. But the returns depend on the number of years you will be investing.</p>
<p class="q-text qu-display–block qu-wordBreak–break-word qu-textAlign–start">So, if you are interested to invest in shares, then start investing in certain shares and start accumulating over a long period. Check the stocks which give good returns</p>
<p class="q-text qu-display–block qu-wordBreak–break-word qu-textAlign–start">Else, you can go with an easy option I.e in Recurring deposit each month or invest in PPF which has lock in of 15 years and with different interest rates.</p>
<p class="q-text qu-display–block qu-wordBreak–break-word qu-textAlign–start">If you have demat account, you can buy gold bonds every month. If you want to invest you money for more than 3- 5 years, then invest SIP in Equity mutual fund. In these scheme, you can choose one from large cap equity mutual fund and Multi Cap. Else in hybrid mutual fund, one scheme from Balancing strategy another from asset re -allocation strategy hybrid mutual fund.</p>
<p class="q-text qu-display–block qu-wordBreak–break-word qu-textAlign–start">Some of the financial investment are given below:</p>
<ul class="q-box">
<li class="q-relative">Direct Equity Investments (provided you have high risk appetite) – If you are young enough and can take risks associated with stock investments, investing directly in equity is best for you investment decision you can make. Here, you make direct stock purchases of companies which you feel may give you good returns in times to come. Equity stocks have the best possibility to offer higher returns (if chosen wisely).</li>
<li class="q-relative">Mutual Funds – An investor who has time to track the market and is well informed about the market can put in money in stock market directly. Whereas, investors who have low-risk profile and those who find it difficult to dedicate time to study the market can take the mutual fund route, which is to a large extent, the best mode to invest in equities. With mutual fund, an investor gets the benefit of diversification, liquidity as mutual fund schemes are highly liquid and comes with the advantage of professional management. Through mutual funds, one does not have to put in a lump sum amount, instead he/she can start off with as low as Rs 500 per month via SIP. Mutual funds can give you around 12%-15% returns.</li>
<li class="q-relative">Public Provident Fund (PPF) – PPF scheme is a popular long term investment option backed by Government of India, which offers safety with attractive interest rate and returns that are fully exempted from Tax. Account can be opened by resident Indian Individuals and individuals on behalf of minors. Investors can invest minimum Rs 500 to maximum Rs 1,50,000 in one financial year. Attractive interest rate of 8.1% that is fully exempted from Income Tax under section 80C.</li>
<li class="q-relative">Liquid Funds (Bank FD) – It is important that you block some part of your savings in liquid funds. As the name suggests, they are completely liquid which means you can withdraw money anytime. They have capital guarantee, so your capital is 100% safe and you get returns at around 8.5% – 9%. Keeping some part of your savings in bank account might also be a considerable option because as a student you might need money any time.</li>
<li class="q-relative">Choose Debt Funds Over Fixed Instruments – Debt funds are more tax-efficient and give higher post-tax returns. Fixed deposits (FDs) are safe, but also tax-inefficient. Short-term debt funds can be a better alternative. Though the returns generated from short-term debt funds are similar to the interest you earn on FDs, the tax benefits mean that the actual return from debt funds is higher if you hold them for more than three years.</li>
<li class="q-relative">Sukanya Scheme – It is a small saving scheme initiated by the Government of India to encourage people to save from an early age to fund their girl child’s higher education and marriage expenses. The account can be opened in a post office or authorized branches of the commercial bank by the parents or legal guardian of a girl child until she attains the age of 10 years. You just have to make a minimum deposit of Rs 1,000 per year under the scheme. You can invest any number of times in multiples of Rs 100 or as a lump sum of Rs 1000 during the year. However, the maximum contribution in a year should not exceed Rs 1.5 lakhs.</li>
<li class="q-relative">Atal Pension Yojana Scheme – It is a recent investment option launched by Modi Govt, any Indian can apply for this scheme and the age limit should be between 18-40 years. This is safe investment option for lower income people for long term investments. You cannot withdraw before attaining 60 years unless exceptional scenario. The government will contribute 50% of your contribution for 5 years or Rs 1,000 and whichever is lower is applicable. This contribution is only for non income tax payers and if you want monthly pension of Rs 5000, then your monthly contribution starting from age 20 years is Rs 250 approx.</li>
</ul>

<p class="q-text qu-display–block qu-wordBreak–break-word qu-textAlign–start">There are several financial products where you can invest your money that give good returns. But the returns depend on the number of years you will be investing.</p>
<p class="q-text qu-display–block qu-wordBreak–break-word qu-textAlign–start">So, if you are interested to invest in shares, then start investing in certain shares and start accumulating over a long period. Check the stocks which give good returns</p>
<p class="q-text qu-display–block qu-wordBreak–break-word qu-textAlign–start">Else, you can go with an easy option I.e in Recurring deposit each month or invest in PPF which has lock in of 15 years and with different interest rates.</p>
<p class="q-text qu-display–block qu-wordBreak–break-word qu-textAlign–start">If you have demat account, you can buy gold bonds every month. If you want to invest you money for more than 3- 5 years, then invest SIP in Equity mutual fund. In these scheme, you can choose one from large cap equity mutual fund and Multi Cap. Else in hybrid mutual fund, one scheme from Balancing strategy another from asset re -allocation strategy hybrid mutual fund.</p>
<p class="q-text qu-display–block qu-wordBreak–break-word qu-textAlign–start">Some of the financial investment are given below:</p>
<ul class="q-box">
<li class="q-relative">Direct Equity Investments (provided you have high risk appetite) – If you are young enough and can take risks associated with stock investments, investing directly in equity is best for you investment decision you can make. Here, you make direct stock purchases of companies which you feel may give you good returns in times to come. Equity stocks have the best possibility to offer higher returns (if chosen wisely).</li>
<li class="q-relative">Mutual Funds – An investor who has time to track the market and is well informed about the market can put in money in stock market directly. Whereas, investors who have low-risk profile and those who find it difficult to dedicate time to study the market can take the mutual fund route, which is to a large extent, the best mode to invest in equities. With mutual fund, an investor gets the benefit of diversification, liquidity as mutual fund schemes are highly liquid and comes with the advantage of professional management. Through mutual funds, one does not have to put in a lump sum amount, instead he/she can start off with as low as Rs 500 per month via SIP. Mutual funds can give you around 12%-15% returns.</li>
<li class="q-relative">Public Provident Fund (PPF) – PPF scheme is a popular long term investment option backed by Government of India, which offers safety with attractive interest rate and returns that are fully exempted from Tax. Account can be opened by resident Indian Individuals and individuals on behalf of minors. Investors can invest minimum Rs 500 to maximum Rs 1,50,000 in one financial year. Attractive interest rate of 8.1% that is fully exempted from Income Tax under section 80C.</li>
<li class="q-relative">Liquid Funds (Bank FD) – It is important that you block some part of your savings in liquid funds. As the name suggests, they are completely liquid which means you can withdraw money anytime. They have capital guarantee, so your capital is 100% safe and you get returns at around 8.5% – 9%. Keeping some part of your savings in bank account might also be a considerable option because as a student you might need money any time.</li>
<li class="q-relative">Choose Debt Funds Over Fixed Instruments – Debt funds are more tax-efficient and give higher post-tax returns. Fixed deposits (FDs) are safe, but also tax-inefficient. Short-term debt funds can be a better alternative. Though the returns generated from short-term debt funds are similar to the interest you earn on FDs, the tax benefits mean that the actual return from debt funds is higher if you hold them for more than three years.</li>
<li class="q-relative">Sukanya Scheme – It is a small saving scheme initiated by the Government of India to encourage people to save from an early age to fund their girl child’s higher education and marriage expenses. The account can be opened in a post office or authorized branches of the commercial bank by the parents or legal guardian of a girl child until she attains the age of 10 years. You just have to make a minimum deposit of Rs 1,000 per year under the scheme. You can invest any number of times in multiples of Rs 100 or as a lump sum of Rs 1000 during the year. However, the maximum contribution in a year should not exceed Rs 1.5 lakhs.</li>
<li class="q-relative">Atal Pension Yojana Scheme – It is a recent investment option launched by Modi Govt, any Indian can apply for this scheme and the age limit should be between 18-40 years. This is safe investment option for lower income people for long term investments. You cannot withdraw before attaining 60 years unless exceptional scenario. The government will contribute 50% of your contribution for 5 years or Rs 1,000 and whichever is lower is applicable. This contribution is only for non income tax payers and if you want monthly pension of Rs 5000, then your monthly contribution starting from age 20 years is Rs 250 approx.</li>
</ul>