If the stock market is not coming, then consider these methods, without tension, money is made easily

Smart Investment Options: When the stock market declines, often retail investors are worried about their investment. This anxiety is natural, as market instability can affect their investment. But there is also a positive aspect of the decline that this time gives a chance to see the strategies related to their money again. If you are also finding yourself unable to earn money in this unstable market, then you can also look at other options. There are also some alternative investment, which can also make small investors by making comfortable returns in unstable market.

1. Fixed Deposits (FD) – The right option for security
Fixed deposits, also known as fixed deposits, are a safe investment option. In this, you deposit your amount in the bank for a certain period and instead you get a certain interest. This investment is not affected by the fluctuations of the stock market. So when the market falls, FD becomes a safe option. Currently, banks and financial institutions are offering high FD rates due to rising interest rates in India, which can be up to 8% annually. This option is ideal for investors who are close to retirement, or prefer to secure their capital.

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2. Date Mutual Funds – For Stable Return
Date mutual funds invest in bonds, government securities and corporate dates. These funds provide a balance of security and returns. Although they are not completely risk-free, their instability is less than equity. Liquid funds and short-term bond funds are suitable for investors who want returns without long lock-in periods. Their average yield ranges from 5% to 7%.

3. Government small savings schemes

Schemes like Public Provident Fund (PPF) and National Saving Certificate (NSC) provide tax-free attractive returns. For example, PPF pays an interest of about 7.1%, with a 15-year lock-in period. But its maturity amount is tax free. If you are a senior citizen, consider the Senior Citizen Savings Scheme (SCSS), which gives up to 8%.

4. Real Estate Investment Opportunities
In some places the prices of property have become stable, due to which the real estate has a favorable condition for long -term investment. Regular source of income is provided. Real Estate Investment Trusts (Reits) provide the option of investment of low amount in property, which ranges from 6% to 8%.

5. Investment in Gold – A avoidance of market volatility

Gold is traditionally considered a safe investment and defends against inflation during the economic recession. Those who invest with heavy capital in the market also run to invest in gold in crisis. You can also invest gold in Gold ETF and Sovereign Gold Bonds (SGBS) and also invest gold without keeping gold. Gold has given an average return of 8% to 10% in the last decade.

6. Dividend Stocks – for the stability of income
Dividend -giving stocks are less unstable than other growth stocks and also provide income during recession. Select such big companies that have history of giving dividends. Such companies are more in areas such as utility, consumer goods and pharmaceuticals.

7. Systematic Investment Plans (SIPS) in mutual funds

By investing regularly through SIP in equity mutual funds, you can buy units at low prices during market fall. Through SIP you get the benefit of the cost of the rupee average, so that you can reduce the impact of market fluctuations.

8. Corporate Bonds – For Fixed Income
Corporate bonds with AAA rating provide fixed interest rates and are relatively safe. Current yields corporate bonds can give returns ranging from 7% to 9%. Check the bond ratings so that the credibility of the issuer can be confirmed.

9. Hybrid mutual funds – balanced approach

One part of hybrid funds is in equity and the other part is on the date, which also provides the probability of growth. Balanced Advantage Funds (BAFS) adjust their equity and date allocation according to the market status.

10. Alternative Investment-Peer-to-Pier Lending
Peer-to-Pier (P2P) lending platforms give investors the opportunity for high returns, although it also includes some risk. Return in P2P lending can range from 10% to 15%, but it is necessary to do completely research before investing. By considering all these options, retail investors can achieve their financial goals and can also be safe in unstable market.