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Top 10 Best Investment Options For Longterm


The best way to deal with excess cash or amount is to invest it and yield higher returns in the future. Investments are also done keeping in mind old age or an untimely disease. Investment done with the right knowledge and purpose is sure to provide you with extra profits without you having to do anything. In this article, we are going to talk about the Top 10 Best Options in the USA.

Top 10 Best Investment Options in the USA

Putting your money to good use and investing it does not require any expertise. Following are the Top 10 Best Investment Options in the USA.

1. High-yield Savings Accounts

Investing in High-yield Savings Accounts online is more beneficial than doing the same in a traditional manner at a bank. A high-yield saving account is purposely meant for short-term investments and for investors who wish to bear minimum risk. Investing for three to six months in a High-yield Savings Account would provide you with a basic interest on the money you invested.

2. Certificates of Deposits (CDs)

Certificates of Deposits or CDs are quite similar to investing money in a Savings Account, however, the prime difference lies in the fact that the money invested in Certificates of Deposits is done for a fixed tenure of time at a fixed rate of interest and can not be withdrawn anytime meanwhile. Investing in Certificates of Deposits (CDs) is recommended for those who would need their money after a particular period of time.

3. Money Market Funds

Money Market Funds are a way of short-term investment which is safer than investing in the stock market. Money Market Funds are majorly bought by investors or traders who are willing to expose their money to future risks. However, the amount yielded through Money Market Funds is not substantially higher in comparison to other investment options. Money Market Funds can be conveniently purchased from a Mutual Fund Provider or a Bank.

4. Government Bonds

Another way to invest your money is via Government Bonds. Basically, investing in a Government Bond means providing loans to government entities and getting interested in the amount that you have invested. Money in Government Bonds is invested for a fixed period of time ranging between 1 to 30 years. Government Bonds are an amazing investment option in the USA if you want no risk involved.

5. Corporate Bonds

Much similar to Government Bonds, Corporate Bonds are yet another investment option. The only difference between a Government Bond and a Corporate Bond is that the investment in Corporate Bond means giving a loan to a company and not the government. Although Corporate Bonds provide fixed-income security to the investment because they are not linked to the government, the risk of investing in Corporate Bonds is higher.

6. Mutual Funds

Mutual Funds are one of the most common ways to invest money and most people think of it when they have extra money to put to use. Mutual Funds are purchased by investors or individuals when they do not have to extract their money back in the short run. Mutual Funds are long-time investments and allow an individual to get exposure to the stock market as well.

7. Exchange-Traded Funds (ETFs)

ETFs or Exchange-Traded Funds are quite similar to Mutual Funds. The money invested by an investor in ETFs is further brought into use to buy multiple securities. An investor gets to buy the shares of Exchange-Traded Funds similar to the shares of an individual stock. Like mutual funds, ETFs are also purchased for a longer time horizon

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8. Dividend Stocks

Dividend Stocks are a great way to earn regular profit by investing your money. Whenever Dividend Stocks are purchased by an investor or a trader, an individual is offered regular cash payments by the company they have invested in. As a shareholder, you only need to invest in the stocks of a profitable company and you can easily yield higher returns in the future.

9. Real Estate

Another common way to invest money is to put the amount into Real Estate. Real Estate is most suitable for investors who have a good knowledge of the field and want to diversify their investment options. An investor or trader can invest in Real Estate through Real Estate Investment Trusts or REITs. These companies have their own properties that generate good income and they provide profitable dividends to an investor.

10. Alternative Investment and Cryptocurrencies

Now that you are not willing to invest in any of the investment options listed above, you can choose to put your money into alternative investments. These include buying liquid assets such as gold, silver, art, alcohol, cryptocurrencies, or hedge funds. Alternative Investments are methods to invest apart from traditional investment methods. These investments are likely to yield good returns in the future.

How to Choose the Right Investments in 2023?

Having gone through the investment options that you can try in the USA in 2023, you might be wondering if the investment done by you will be profitable or not. Well, you must consider the following factors to choose the right investment in 2023.


Most importantly you must decide the timeline upto which you are willing to invest. Investments done for shorter periods are easily accessible, however, they do not yield much revenue. On the other hand, long-term investments include risk but give you a good yield.

Risk Tolerance

Investments and risk go hand-in-hand. As an investor, if you are ready to take short-term and long-term risks then it is advised that you invest your money in different platforms that can help you earn huge profits.


Thirdly, the amount you have to invest is a necessary factor to bring into account. Certain investments are done only at a set amount. Thus, you need to ensure that you can easily make an investment wherein you want to.

Your Needs

Lastly, it is crucial to consider your needs before investing any amount. If you need money in a few months or years, then short-term investments in a bank are suitable for you. However, if you are making an investment for old age or when you will no longer be able to work efficiently, then mutual funds are not bad.


Every investment includes risk but a chance of yielding higher returns as well. If you have never invested before and you do not hold much knowledge of the subject, this article is going to assist you to find the best investment options from the list of the Top 10 Best Investment Options in the USA.



Top 10 Best Investment Options for Students


Are you a student and willing to invest but don’t know where? Read this article to know the top 10 best investment options for students. Investing as a student offers numerous benefits beyond immediate financial returns.

Everyone has begun to understand the great importance of financial knowledge. People now understand how important it is to start saving early in order to have a safety net for the future. The significance of saving and investing can be better understood by students pursuing careers in law and management.

However, when it comes to investing, people tend to get stuck in the common belief that large amounts of money are necessary. For instance, the average person believes that in order to invest, one has to find a job that pays well.

List Of Top 10 Best Investment Options For Students

1) Public Provident Fund (PPF)

It is a risk-free investment as its returns are backed and guaranteed by the government. Nearly all banks and post offices in India carry it. Only one account can be opened. Age is not a barrier for the ones willing to open an account.

If the age of a student is below 18, their guardian manages the account. The annual minimum investment amount is 500 INR.

2) National Savings Certificate (NSC)

The NSC is a government-backed fixed-income investment scheme that is regarded as a risk-free investment. All Indian post offices, a few private banks, and state banks all have the certificate readily available. There is a minimum investment of INR 1,000. In a single financial year, you may invest any multiple of 100 in 12 equal payments.

3) Post Office Monthly Income Scheme

In-home settings, especially among housewives and anyone looking to invest passive income to make money, the post office monthly income plan is popular.

For single and joint accounts, respectively, the maximum amount allowed is INR 4.50 lakh and the minimum investment required to open an account is INR 1,000.

Five years after the account was first opened, it may be closed. Early closure, however, is not allowed before the year. Similar to this, 2% is deducted from the principle if the account is closed after one to three years, and 1% between three and five years.

4) Government Bonds

The Indian government opened direct bond purchases to individual investors to promote domestic participation in the sovereign bond market. Government bonds are announced along with their prices.

5) National Pension Scheme (NPS)

The National Pension Scheme is for the ones who wish to use their money in a pension fund that is supervised by the government and invests in different stock market portfolios, including shares, corporate debentures, and government bonds, in order to build a significant retirement fund.

At the conclusion of the scheme cycle, a portion of the life annuity purchased with the profits or accumulated pension wealth from such investments may be withdrawn.

6) Sovereign Gold Bonds (SGBs)

SGBs, or government securities denominated in grams of gold, are held by the Reserve Bank of India (RBI). They are issued in multiples of grams of gold and have a 1-gram minimum investment requirement.

SBGs are open for bid on days determined by the central government. The RBI issues these bonds on a regular basis.

7) Equity Mutual Funds

On behalf of a group of investors, an equity mutual fund is a particular kind of mutual fund that makes stock investments. The majority of mutual funds have no maximum investment limit and a minimum investment requirement of INR 1,000.

You require both a demat account and a trading account to invest in equity mutual funds. Investors can select from eight major kinds of equity mutual funds. Growth funds are yet another choice for investing in equities mutual funds.

8) Unit-linked Insurance Plans (ULIPs)

ULIPs provide consumers benefits for both investing and insurance. The way ULIPs work is straightforward: the policyholder purchases an insurance plan, and the premiums they pay are divided between equity and debt funds with the remaining sum being used to settle claims.

ULIPs have different minimum investments depending on the banking institution. Typically, a minimum monthly premium payment of INR 1,500 is needed.

9) Gold Exchange-Traded Funds (ETFs)

A gold ETF provides the same benefits as physical gold without the trouble of maintaining it. A Demat account is required for gold units, similar to how mutual fund units are owned by investors.

An individual can also purchase gold units by opening a demat account if they invest in shares from brokers registered with SEBI.

10) REITs

Investors can invest in a portfolio of real estate assets through REITs, which work similarly to mutual funds. As a result, the REIT distributes all income generated by the underlying assets to its unitholders.

Like equity shares, REITs are traded on stock exchanges. In India, you must have a Demat account to invest in REITs.

Wrapping Up

Investing as a student is not only possible but also highly beneficial for securing your financial future. By exploring the top 10 best investment options for students, you can find opportunities that suit your needs, risk appetite, and financial goals. Whether it’s through government-backed programs like the Public Provident Fund (PPF) or National Savings Certificate (NSC), or exploring options like equity mutual funds, gold ETFs, or real estate investment trusts (REITs), there are various avenues to grow your money while managing risks effectively. Remember, starting early and maintaining a long-term perspective are key to maximizing the potential returns on your investments. So, take the initiative, educate yourself about different investment options, and make informed decisions to set yourself on the path to financial success.

Top 10 Best Long-Term Investment Options In The USA


Are you looking for some investment plans to secure your future? If yes, then you are at the right place. We will introduce you to the top 10 best long-term investment options n the USA.

A long-term investment is one of the best ways to secure your future. Some might run away from long-term investments and go after the options that give quick returns. But long-term is much better than some temporary short-term return policies.

List Of Top 10 Best Long-Term Investment Options In The USA

1) Government Bonds

A government bond is a loan you make to a government agency (such as the federal or municipal governments) in exchange for interest payments over a certain period of time, and it is usually for about 1 to 30 years.

Now, because of the constant income these are also known as fixed-income securities. As a government-backed investment, government bonds are risk-free.

Best for investors with a conservative investment philosophy who desire lower portfolio volatility.

2) Mutual Funds

A mutual fund combines the money of investors to buy stocks, bonds, and other assets. Investors can use mutual funds, which distribute their money among a variety of investments, to increase their budget and protect themselves from the losses of any one investment.

It is best for people who are saving up for either another long-term goal or their retirement. This way they’ll get exposure to the stock market’s investment return and there’s no need for them to manage their portfolio of individual stocks.

Investing in specific types of businesses may be restricted by some funds, such as biotech companies or businesses with strong income payouts. You can then focus on specific investment niches.

3) Corporate Bonds

Similar to government bonds, corporate bonds function in the same way, except instead of lending money to the government, you are lending money to a corporation. These loans are a bit riskier because the government does not guarantee them.

A fixed-income product with potentially higher returns than government bonds is best for investors who are willing to take on some risk.

Returns on investment for corporate bonds increase with the probability that the company will fail. On the other hand, the return on bonds issued by recognized, big corporations is usually lower.

4) Index Funds

An index fund is a type of mutual fund that invests in companies that are included in a particular market index, such as the Dow Jones Industrial Average or the S&P 500.

If you want to save money for the long term, index mutual funds are among the best investments you can make. Index mutual funds are more affordable due to reduced fund management fees.

Young investors with a long time perspective of the investment may benefit most from index funds since they can dedicate more of their portfolio to higher-returning stock funds than to more conservative products like bonds.

5) Dividend Stocks

Dividend stocks can offer both the growth of individual stocks and stock funds as well as the fixed income of bonds. Regular financial payments made by companies to their shareholders are known as dividends, and they are frequently related to reliable, successful businesses.

The payouts and stability that some companies with dividends offer can make them appealing to investors even though their share prices may not get high or quickly as those of growth-stage businesses. Unlike stocks, which are mostly taxed upon sale.

It is best for any investor, from beginner to retiree, yet depending on where you are in your investing career, particular dividend stock categories may be superior.

6) Fixed Annuities

The fixed annuity contract is a popular form of annuity contract that is useful for medium-term financial planning and retirement planning. A fixed annuity provides a fixed return over a predetermined period, regardless of market conditions.

The first step is to gradually contribute funds to your annuity while generating interest that raises the account’s value tax-deferred. A single, one-time payment or a series of ongoing, periodic payments may make up the payout phase.

7) Preferred Stocks

Preferred stocks combine the characteristics of stocks and bonds into a single instrument, providing investors with a consistent source of income payments and the potential for the share value to increase over time.

Payments from preferred stocks receive favorable tax status since they are frequently subject to lower rates of taxation than interest on bonds. Shares of preferred stock are issued having a set face value.

8) Stock Funds

The top online stockbrokers allow you to buy stock fund shares. According to the S&P 500 index, stock returns over the previous 50 years have been 10% on average per year. By investing in an ETF index fund linked to the S&P 500, you can benefit from that growth.

ETFs can also be traded for as low as the price of one ETF share and without paying any commissions. Additionally, because they rarely trade stocks, the financial gains they produce are typically long-term.

9) Real Estate

Real estate is another long-term method. These are businesses that hold assets (such as shopping centers, inns, offices, etc.) that generate money and distribute profits regularly.

The popularity also growing in popularity over the past few years are real estate crowdfunding sites, which frequently pool users’ funds to invest in real estate projects.

The best investors for it are those who already have a strong investment portfolio and are trying to diversify it more or who are willing to take on more risk in exchange for greater profits. Investors shouldn’t invest any money they might need to access fast because real estate investments are extremely illiquid.

10) Cryptocurrencies

Cryptocurrency is regarded as an alternative financial asset that broadens away from older financial assets like equities and bonds. Cryptocurrencies, according to some, are the next phase in money and could soon replace traditional currencies.

However, the biggest gain thus far has been the fantastic price rises that went to those who bought early and sold at the top.

Wrapping Up

So, the top 10 best long-term investment options in the USA offer a variety of choices for investors looking to secure their futures. Each option comes with its own set of advantages and considerations, and the suitability of each option depends on an individual’s risk tolerance, financial goals, and investment philosophy.

Top 10 Best Investment Options For Monthly Income in India


Investing in stocks can be a great option for individuals looking to make a one-year investment. The stock market can provide higher returns than traditional savings accounts or fixed deposits in a short period. However, investing in stocks comes with risks. Stock prices fluctuate based on factors like company performance, industry trends, and global events. It is important to do thorough research before investing in stocks and understand the risk involved. Individuals must diversify their portfolios and invest in multiple stocks to spread the risk. Overall, investing in stocks can provide a good return on investment for individuals with a high-risk tolerance and a long-term investment horizon.

Investing for monthly income is a popular strategy for individuals seeking to generate a steady cash flow stream. Monthly income investments aim to provide a regular source of income without depleting the invested capital. This article will discuss the top 10 best investment options for monthly income.

Why investing is important, which can lead to a monthly income flow:

1) Creating Wealth

Investing in instruments that generate monthly income can help investors create wealth over the long term. Monthly income generated from investments can be reinvested to generate compounding returns, which can significantly increase the value of the investment over time.

2) Passive Income

Investing to generate monthly income is an excellent way to create a passive income stream. Passive income is income that is earned without active participation or effort. Passive income generated from investments can provide financial security and help individuals pursue their passions without worrying about a regular income source.

3) Preparing for Retirement

Investing to generate monthly income is essential for individuals who want to retire with financial security. Monthly income generated from investments can help individuals maintain their standard of living, and meet their expenses easily.

Investment Options For Monthly Income Are:

1) Fixed Deposits

Fixed Deposits (FDs) are a popular investment option for individuals looking to generate monthly income. FDs are low-risk investments that provide a fixed rate of interest for a specific period of time. The interest earned on FDs can be credited to the investor’s bank account on a monthly basis, providing a steady stream of income. However, the interest rates on FDs are relatively low, and the returns may not keep up with inflation.

2) Monthly Income Scheme (MIS)

Monthly Income Scheme (MIS) is a post office investment scheme that provides a fixed monthly income to investors. MIS offers a guaranteed return on investment, making it a low-risk investment option. The scheme has a lock-in period of five years, and the interest earned is tax-free. However, the returns on MIS are relatively low, and the investment limit is capped at Rs. 4.5 lakh per individual.

3) Dividend-paying stocks

Dividend-paying stocks are a great investment option for individuals looking to generate monthly income from their investment portfolio. Dividends are the portion of profits that companies distribute to their shareholders. Many blue-chip companies pay regular dividends, providing a steady stream of income to investors. However, investing in stocks comes with risks, and investors must conduct thorough research before investing in any company.

4) Corporate bonds

Corporate bonds offer higher returns than government bonds and provide a regular stream of income to investors. Corporate bonds are rated by credit rating agencies, and investors must assess the creditworthiness of the issuer before investing in corporate bonds. Moreover the good part about corporate bonds is that they are secure and ideal for people who do not have a very high risk taking capacity.

5) Real Estate Investment Trusts (REITs)

Real Estate Investment Trusts (REITs) are investment vehicles that own and operate income-generating real estate properties. REITs provide a regular stream of income to investors through rental income and capital appreciation. REITs are traded on stock exchanges, and investors can buy and sell units of REITs like stocks. However, investing in REITs comes with risks, and investors must conduct thorough research before investing in any REIT.

6) Mutual Funds

Mutual Funds are a popular investment option for individuals looking to generate monthly income. Many mutual fund schemes, such as debt funds and hybrid funds, provide a regular stream of income to investors. Debt funds invest in fixed-income securities like bonds and provide a steady stream of income to investors. Hybrid funds invest in a mix of equity and debt, providing a balance of growth and income. However, the returns on mutual funds are subject to market risks and may fluctuate based on market conditions.

7) Annuities

Annuities are financial products offered by insurance companies that provide a regular stream of income to investors. Annuities are long-term contracts that provide a fixed or variable rate of return for a specific period or for life. Annuities can provide a guaranteed stream of income to investors, making them a popular option for retirees. However, annuities come with high fees and surrender charges, and investors must understand the terms and conditions of the annuity contract before investing.

8) Public Provident Fund (PPF)

Public Provident Fund (PPF) is a popular investment option for individuals looking to generate monthly income. PPF is a long-term investment scheme offered by the government that provides a fixed rate of return and tax benefits. PPF has a lock-in period of 15 years, and the interest earned is tax-free. PPF also allows for partial withdrawals after a certain period, making it a popular investment option for individuals looking to generate regular income.

9) Senior Citizen Saving Scheme (SCSS)

Senior Citizen Saving Scheme (SCSS) in India is a government-backed investment scheme designed for individuals over the age of 60. SCSS provides a fixed rate of return and a regular stream of income to investors. SCSS has a lock-in period of 5 years, and investors can extend the scheme for an additional 3 years. SCSS also provides tax benefits to investors, making it a popular investment option for senior citizens.

10) Post Office Monthly Income Scheme (POMIS)

Post Office Monthly Income Scheme (POMIS) is a popular investment scheme offered by India Post. POMIS provides a fixed rate of return and a regular stream of income to investors. POMIS has a lock-in period of 5 years, and the investment limit is capped at Rs. 4.5 lakh per individual. POMIS also provides tax benefits to investors, making it a popular investment option for individuals looking to generate monthly income.


There are various investment options available for individuals looking to generate a regular stream of income. Investors must assess their risk tolerance and investment goals before choosing an investment option. Low-risk options like FDs, MIS, and PPF provide a guaranteed rate of return but offer relatively lower returns. High-risk options like stocks and mutual funds provide a higher rate of return but come with market risks. Overall, a diversified portfolio that balances risk and return is the key to successful investment planning for monthly income.

Top 10 Best Investment Options For Long Term in India


Investing for the long term is one of the most effective ways to build wealth and achieve financial goals. Long-term investments allow investors to grow their wealth steadily over time while minimizing the impact of short-term market volatility.

Why Is It Beneficial to Invest in Long-Term Investment Options

1) Compounding Returns

Compounding returns is one of the most significant benefits of investing in long-term investments. When you invest, you earn returns on your investment, which are reinvested. Over time, these reinvested returns can grow significantly, leading to higher returns in the long run. This effect is known as compounding, a powerful way to grow your wealth. The longer your investment horizon, the greater the power of compounding.

2) Diversification of the portfolio

Another benefit of long-term investments is the ability to diversify your portfolio. Investing in different types of assets, such as stocks, bonds, and real estate, can help reduce the risk of your overall investment portfolio. Diversification can help weather market downturns and protect your investments from market volatility.

3) Long-Term Goals

Long-term investments are well-suited for achieving long-term financial goals, such as saving for retirement, a child’s education, or buying a house. Since these goals are typically years or even decades away, investing in long-term assets allows for ample time to achieve these goals. Long-term investments offer the potential for higher returns than short-term investments, making it more likely to reach your goals.

4) Lower Taxes
Long-term investments are often subject to lower tax rates than short-term investments. When you hold an investment for more than a year, you are eligible for lower tax rates on capital gains. Long-term investments can also provide tax benefits, such as tax deductions and credits, making them a more tax-efficient way to invest.

5) Reduced Risk of losses

Long-term investments have less risk than short-term investments. The longer your investment horizon, the less you are impacted by short-term market fluctuations. Long-term investments are generally less volatile than short-term investments, which can reduce the risk of losing money. In the long run, stocks have historically generated higher returns than other asset classes, such as bonds or cash.

6) Lower Fees

Long-term investments often come with lower fees than short-term investments. Since long-term investments require a more extended holding period, they generally have lower transaction fees and management fees. Lower fees can help increase your returns and help you reach your financial goals faster.

Top 10 Best Investment Options For Long Term:

Out of the multiple options available, here is the list of the top 10 investment options for the long term:

1) Equity Mutual Funds

Equity mutual funds are one of the best long-term investment options for individuals seeking high returns. These funds invest in a portfolio of stocks across different sectors and market capitalization, providing diversification to investors. Equity mutual funds offer the potential for high returns but come with a higher risk. Therefore, it is important to choose a mutual fund that matches your risk tolerance and investment goals.

2) Index Funds

Index funds are a type of mutual fund that primarily helps in tracking market indexes, such as the S&P 500, NASDAQ, or BSE Sensex. Index funds are a great long-term option of investment for individuals seeking to invest in the stock market without taking on a high level of risk. Index funds provide diversification and relatively lower fees compared to actively managed mutual funds.

3) Public Provident Fund (PPF)

Public Provident Fund (PPF) is a government-backed investment scheme that provides a fixed rate of return and tax benefits to investors. PPF has a lock-in period of 15 years and allows investors to make partial withdrawals after the 7th year. PPF is a low-risk investment option suitable for individuals seeking a guaranteed rate of return over the long term.

4) National Pension System (NPS)

National Pension System (NPS) is a government-backed pension scheme designed for individuals seeking a retirement corpus. NPS provides a diversified investment portfolio comprising equity, corporate bonds, and government securities. NPS has a lock-in period until the investor reaches the age of 60, and investors can withdraw 60% of the corpus as a lump sum at retirement.

5) Unit Linked Insurance Plan (ULIP)

Unit Linked Insurance Plan (ULIP) is an investment-cum-insurance product that provides both life insurance coverage and investment options. ULIPs invest in a diversified portfolio of equities, bonds, and money market instruments, and offer the potential for high returns over the long term. ULIPs have a lock-in period of 5 years and allow investors to switch between funds to optimize returns.

6) Real Estate Investment Trusts (REITs)

Real Estate Investment Trusts (REITs) are a type of investment vehicle that invests in income-generating real estate properties, such as office buildings, retail spaces, and apartments. REITs provide investors with the opportunity to invest in real estate without the hassle of owning and managing physical properties. REITs offer regular income in the form of rent and potential capital appreciation over the long term.

7) Public Sector Undertaking (PSU) Stocks

Public Sector Undertaking (PSU) stocks are stocks of companies owned by the government of India. PSU stocks are considered safe long-term investment options as they are backed by the government and have a strong track record of performance. PSU stocks provide regular dividends and the potential for capital appreciation over the long term.

8) Fixed Deposits (FDs)

Fixed Deposits (FDs) are a popular investment option for individuals seeking a low-risk and fixed return over the long term. The biggest advantage of investing in FDs is that they are very secure and no matter what they are, they are not affected by market demand and supply. FDs have a lock-in period ranging from a few months to a few years, and investors can choose to reinvest the interest earned or receive it as a regular income.

9) Exchange Traded Funds (ETFs)

Exchange Traded Funds (ETFs) in India are the investment vehicle type that tracks a kind of index or commodity.  ETFs provide diversification and relatively lower fees compared to actively managed mutual funds. ETFs offer a long-term investment option for individuals seeking exposure to different markets or sectors.

10) Gold

Gold is a traditional long-term investment option that has a low correlation with other asset classes, such as stocks and bonds. Gold provides diversification to an investment portfolio and acts as a hedge against inflation. Gold can be invested in different forms, such as physical gold, gold exchange-traded funds (ETFs), or gold mutual funds.


Investing for the long term in India is a crucial component of building wealth and achieving financial goals. The top 10 best long-term investment options discussed in this article provide investors with a diversified range of investment opportunities, from equity mutual funds and index funds to government-backed schemes like PPF and NPS.

Individuals should consider their risk tolerance, investment goals, and time horizon when choosing a long-term investment option. It is also essential to review and rebalance your investment portfolio periodically to ensure that it remains aligned with your goals and risk tolerance.

11 Best Discount Brokers in India


The Indian stock market is one of the fastest growing in the world, and there are numerous brokers for you to choose from. Whether you’re a newbie or an experienced trader, it’s essential to find a broker that suits your needs. In this article, we’ll look at what makes a good discount broker and how to choose one that best fits your trading needs.

What is a Discount Broker?

A discount broker is an intermediary who charges you less than a regular broker while providing all the services that a regular broker would provide. For example, instead of paying $10 per trade (which comes down to $5 after deducting commissions), you might pay $5 per trade with a discount broker. The reason for this difference in fees is that discount brokers operate on smaller margins and their services are cheaper than those offered by regular brokers.

The following are the 11 best discount brokers in India.

1) Zerodha

Zerodha is an online brokerage firm that was founded in 2010 and is based in Bangalore, India. The company has been growing rapidly since its inception, and it now serves more than 100,000 clients. The company offers a wide range of services, including stock trading and mutual fund investment.

2) Trade Smart Online

Trade Smart Online is another discount brokerage firm that’s based in India. It was established by professionals who have years of experience in the financial services sector. The company offers a range of services to its customers such as stock trading, mutual fund investments, and forex trading among others.

3) Capital First Securities Ltd

Capital First Securities Ltd is a discount broker in India that provides its clients with various types of securities such as equity shares, mutual funds, and bonds among others for investment purposes. The company has been around for over three decades now, and it has accumulated a wealth of knowledge about the financial markets during this time period which enables it to provide quality service to its customers

4) Religare Securities

Religare Securities Limited (RSL) is India’s most trusted and preferred broker, with a market share of 6.7% of the total equity trading in India. It offers a wide range of investment solutions across Mutual Funds, Equities, Derivatives, and more. It also provides a host of services such as online trading and portfolio management solutions to help investors meet their financial goals effectively.

5) Motilal Oswal Securities

Motilal Oswal Securities Limited (MOSL) was established in 1986 by Mr. Motilal Oswal with the objective of providing customers with innovative solutions and value-added services in the capital markets, including equity broking, research, investment advisory services, and portfolio management services. MOSL caters to retail investors as well as institutional clients across India through its branch network spread across 13 cities with over 2200+ representatives and over 30 branches including Mumbai, Delhi NCR, Patna, Jaipur, Chandigarh, etc.

6) Sharekhan

Sharekhan is an Indian discount broker founded by Raman Roy in 1991 as a member of the National Stock Exchange (NSE). The company provides trading services for stocks, commodities, derivatives, and currencies across multiple asset classes including equities (both equity futures & options) as well as commodities like gold & silver through its web-based trading platform called Sharekhan Online Trading Platform (SHOP).

7) HDFC Securities

HDFC Securities Limited is an Indian financial services company based in Mumbai, Maharashtra, India. It is a subsidiary of Housing Development Finance Corporation Limited (HDFC) and acts as its primary securities arm for retail investors. HDFC Securities was ranked number one in terms of market share by volume in the retail segment by the National Stock Exchange of India (NSE) for the year 2016-17.

8) Divya Himachal Futuristic Securities Ltd

Divya Himachal Futuristic Securities Ltd (DHFLSL) is a securities firm offering retail trading services to clients across India through its network of over 400 branches spread across more than 20 Indian states including Delhi NCR, Uttar Pradesh, Madhya Pradesh, Rajasthan, and West Bengal. The company was founded in 1992 as a joint venture between Divya Himachal Finance Ltd (DHFFL) & Future Capital Holdings Limited (FCHL). DHFLSL is registered with SEBI under the category IA1.

9) SBI Securities:

SBI Securities is one of the largest players in the Indian financial market and has been in operation for over 35 years now. They are part of State Bank Group which provides them with a strong infrastructure and support from their parent company. The brokerage firm offers both online as well as offline trading services to its clients including mutual funds, equity, options, and commodities trading. They provide advanced trading tools like live charts, news, and alerts on mobile phones which make trading easy for everyone including beginners.

10) ICICI Direct:

ICICI Direct is one of India’s leading online brokers who have been operating since 2001 and has over 1 million customers across the country. Their website is user-friendly and offers all types of services related to investments including mutual funds, stocks, bonds, commodities, etc. They offer their services through both offline as well as online modes so that customers can choose whatever suits them best

11) Chennai Securities

Chennai Securities is one of the oldest discount brokerages in India, catering to retail clients since 2001 and institutional clients since 2004. They have over 6 lakh customers across 1100 cities and offer zero brokerage for all stocks under Rs 10 per share; unlimited trades at Rs 120 per month and Rs 5 per trade thereafter; and cashless trading for all stocks under Rs 10 per share at no cost to their investors whatsoever!


We hope you found the list useful. It is not an easy task to select the best among so many choices. With this blog, we wanted to make it easier for you to find a discount broker that would fit your needs. So, this was the list of best discount brokers in India. Here you can invest your money in a very secure environment with the help of ease-of-use in transactions for your convenience. Hope you liked our collection and please share it with others as well.

11 Best Mobile Trading Apps India 2023


Mobile trading is fast becoming the preferred method of trading for many investors. The advent of smartphones has made it possible for traders to place orders and monitor the market from wherever they are, provided they have an internet connection.

There are many mobile trading apps available in India that make this possible. However, not all mobile trading apps are created equal. Some are better than others and some offer more features than others. Here are the 11 best mobile trading apps in India:

1) Nifty Trade

Nifty Trade is a mobile platform for trading in equities and commodities. It is a single app that allows you to trade equities, metals, currency futures, options, gold, and silver. The NiftyTrade app is available on both Android and iOS platforms.

2) Zerodha

Zerodha is one of the most popular mobile trading platforms in India. It provides a wide range of trading services such as real-time market data, news and analysis, investment research tools, and educational resources. You can trade stocks, commodities, currencies, and options using Zerodha’s mobile app on both Android and iOS platforms.

3) Sharekhan

Sharekhan offers online share trading services to investors through its online trading platform Sharekhan Online Securities & Exchange Ltd (SOSE). Sharekhan provides brokerage services for shares, and equity derivatives like options contracts, futures contracts, etc. You can do share trading through Sharekhan on both Android & iOS platforms by downloading its mobile app from Play Store or App Store respectively

4) ZuluTrade

ZuluTrade is a platform that allows investors to invest in various global markets through their smartphones and tablets. It offers free stock market education as well as live-streaming quotes and news updates, which makes it an ideal platform for beginners looking to start investing. It also has an easy-to-use interface that makes it easy to navigate while on the go. It also allows you to earn passive income through the referral program which pays 30% of all commissions paid by customers who register using your referral link (up to $500 per month).

5) ZepyTrader

ZepyTrader is one of the most popular mobile trading apps in India. The app is available on Android and iOS, and it allows users to trade stocks and commodities using their smartphones. It offers access to more than 500 stocks from across the globe, including major Indian companies such as Reliance Industries Limited (RIL), Infosys Limited, HDFC Bank Limited, and many others.

The company was founded by Ravi Sharma in 2014, who also founded Zepy Holdings Private Limited in 2010. The company has been generating revenue since its inception and has managed to raise over $100 million

6) NSE MobileTrading App

NSE MobileTrading App is an application for Android devices that allows users to trade directly from their smartphones or tablets. The app offers real-time market data, live-streaming quotes, and the ability to place orders on over 20 exchanges from all over the world. The app also provides alerts for upcoming events like dividends, earnings announcements, and economic data releases.

7) Tradingview

Tradingview is an online platform where you can share your ideas, analysis, and strategies with other traders through social media channels like Facebook, Twitter, or Instagram. You can also learn from professional traders by following them on Twitter or Facebook. The unique feature of this application is that it allows traders to create their own charts and indicators which they can use for their analysis process. Also, there are a lot of useful tools available in this application that helps traders in analyzing their trading strategy before executing it live on their accounts with real money.

8) Zebpay

Zebpay is one of the most popular mobile trading apps, with over 5 million downloads on Android and iOS. It allows users to buy and sell cryptocurrencies like bitcoin, Ethereum, and litecoin from their phones. The app is also integrated with banks like HDFC Bank and ICICI Bank so you can transfer funds from your bank account to Zebpay’s bank account. There are no commissions for buying or selling cryptocurrencies through the app but there is a 1% fee for withdrawing funds from your wallet back into your bank account through NEFT/IMPS/RTGS/UPI/C-CEX etc.

9) OmniSapience(Free Stock Trading App)

OmniSapience is a free mobile trading app that allows you to buy and sell stocks on the go. It provides real-time market updates and news feeds from various sources including CNBC TV18, ET Now, and more. You can also use it as an educational tool with its instructional videos on various topics such as how to trade stocks online or how to read financial statements etc.

10) eToro

eToro is one of the oldest brokerages in the world with roots going back to 2007 when it was launched in Israel as Social Trading Network Ltd., later rebranded as eToro Ltd.. The company initially started out as a social networking site that allowed users to copy trades made by other traders who had more experience than them. Later they introduced CFDs (Contracts For Difference) so that users could profit even if they didn’t know how to trade directly or if they didn’t want to hold positions overnight or long-term.

11) NSE – National Stock Exchange of India Ltd – Mobile Trading App (Android)

The National Stock Exchange of India Limited or NSE is an Indian financial market located in Mumbai. It was established in 1992 as an alternative to the Bombay Stock Exchange (BSE). The NSE is a subsidiary of National Securities Clearing Corporation Limited (NSCCL), which was incorporated in 1989 as a joint venture between the NSE, BSE, and other major stock exchanges in India.


Mobile trading has taken over the market as the most preferred type of trading. This article will take a slight look at what exactly mobile trading is, how it helps traders, and also compare the top 11 mobile trading apps in India. Investing can be tricky, especially for those who are new to the scene. The number of complicated aspects attached to trading is enough to make many run in the other direction. But the beauty of a mobile app investment is that it makes investing and trading easier for everyone.

List of Upcoming IPOS 2023


Twenty-three looks completely exciting for the investors after the mega launch of IPOs of LIC Nykaa Paytm Zomato, amongst others. The dates of the majority of the IPOs have not even been finalized as the new year 2023 has just started, but the exciting pipeline of IPO expected in 2023 seems to be completely promising.

If you are curious about the big upcoming IPOs, you are on the right page, as you can get all the details about them here.

1) Tata technologies and Tata play

Tata group fans can have a happy year in 2023; Tata group is all set to roll out two IPOs this year. The last IPO that Tata group rolled out was in 2004, which was TCS. Tata play was earlier known as Tata sky, and Tata technologies are geared up to go public with their IPOs this year. Last month Tata play became the first company to use the confidential pre-filing of documents option for the initial public offering before the market regulator and the Securities and Exchange Board of India.

Regarding Tata technologies, the IPO is expected to roll out in April to June of 2023, the year’s first financial quarter. At the same time, the IPO of Tata play is expected to be out before Tata technologies this year.

2) Oyo rooms

Oyo was expected to go for the public listing this year after almost a decade of being established in 2013. However, the company has been facing another challenge in going public. The IPO is likely expected to be around eight thousand crores, and it will roll out early in 2023.

It is also expected to get some delays as the Securities and Exchange Board of India has written back to the company, asking it to update all the additional sections in the draft red herring prospectus. So, OYO IPO would be delayed by another quarter and might be rolled out in the second half of the year.

3) Ola

Ola IPO was expected to come out in the first half of 2022, but it did not work out, and the ride-hailing aggregator is all set to roll out the IPO this year. Last year CEO Bhavesh Aggarwal made a statement that they were pretty close to filing, but as a board, they decided to do it later.

The ride-hailing business is entirely profitable, and the investors also support the listing strategy. So the company is quick to list its IPO. As per recent reports, Ola has confirmed that it will roll out the IPOs in 2023.

4) Swiggy

In January 2022, swiggy crossed the $10 billion mark and is now turning to launching an IPO. An Indian food delivery company is now set to raise $800 million to a $1 billion IPO, which will be rolling out in 2023 first half of.

In the previous year, there were some notifications that swiggy has been adding independent directors to the board, and it looks forward to positioning itself as a logistics company besides being a food delivery company. Swiggy formula launched the IPO the previous year by hiring investment banks JP Morgan besides ICICI securities as some of the lead managers.

5) Byjus

One of the most awaited IPOs of 2023 is Byju’s IPO. Since last year the IPO has been in the pipeline. Byjus raised $800 million as per the fresh funding in May 2022. It was a part of the pre-IPO round in which the company’s CEO Ravindran had invested around $400 million in a personal capacity. Sources also suggest that the fundraising is expected to be its last private round as the company remains bullish about the public market listing.

The company will look forward to filing the papers for the IPO within the next few months, and the company is also expecting to be valued at around $40 billion when it starts listing. It was reported that the company was finalizing the plans for a $1 billion IPO of its tutoring business Akash educational services, back in November 2022. The company is set to submit the draft red herring prospectus in January or February for the upcoming IPO. The IPO would be launched anywhere between September and October 2023.

List of Upcoming IPOS 2023

6) BoAt

Aman Gupta Shark Tank India’s judge owns an audio-focused electronics brand boat, and in the past year, the company was all set to float the IPO with a font size of rupees two thousand crores. It looks forward to having a 1.5 to $2 billion valuation through eight of the previous year.

But the company had postponed the IPO plans in October, and it said they would raise five hundred crores rupees from Warburg Pincus and new investor Malabar investments. After that, the convertible preferred stocks would be priced to the IPO or the subsequent funding round, even though the former chances are more.

7) Mobikwik

Mobikwik is a fintech firm with confirmed plans to raise around 1500 crore in the previous year from IPO. When asked about the timelines to launch the IPO, the company suggested that it should go for listing once the market conditions are stable.

The company has already drafted the document for IPO and had mentioned that the pandemic hit it. Still, the business had crossed the pre-COVID levels, and today, it has an impressive performance. So now, the people are just waiting for the IPO to be launched in 2023.

8) Flipkart

One of the biggest IPO launches of 2023 would be Flipkart. In the eCommerce giant, April 2022 had internally raised the IPO valuation objective from an earlier target of $50 billion to the new and high-level goals of $60 to $70 billion.

Amazon’s rival Flipkart also looks forward to a US listing in 2023. Brett Biggs, CEO of Walmart, stated that the Flipkart business was performing almost exactly as we thought, and an IPO is still very much on the cards. However, the CEO has not specified when the company will be listed.

9) Mama Earth

Indian skincare startup and Unicorn Mama earth parent Honasa consumer limited has files to draft the prospectus for IPO with the Securities Exchange Board of India. The IPO will feature a fresh issue of shares worth ₹4 billion or even four hundred crores.

They will offer for sale around 46.8 million shares. Investors include Sophia and Bollywood actor Shilpa Shetty, as they are expected to sell their stake via the offer for sale. Mama earth said it would use 1.86 billion from the IPO for advertising expenses. The startup consolidated restated profit of around 157.2 million in March and 2022.


These are the top IPOs that you should consider looking at in 2023. Make sure to keep a close look at the upcoming IPOs and don’t forget to apply for it.

How Does WhatsApp Make Money?


The most famous and regularly used social media application in the entire world. Nowadays social media is governing the whole world as it is extensively accepted in every country. It is a wide network to stay connected with anyone with its noble features of secure and encrypted chatting, voice, and video calling thereby WhatsApp applications have made a space in every person’s heart.

Not only for casual chatting it is been used for business deals, journalism, and communicating. Here privacy is a big concern so the messages sent on WhatsApp are private for it to be secure WhatsApp has designed end to end encrypted system in its latest version which means no other person even their own WhatsApp cannot read the confidential messages of any person.


Some 10 years back if we look there would be no such thing to communicate socially. The small phone with only a calling and text messaging facility was enough. But as changes are a must and inevitable.

This application was started in 2009 with version 2.0 for messaging. It was only launched for business talks and generally used to chat over business discussions nonetheless, later became a big hit and was used by the entire population. In 2014 the social media giant Facebook purchased WhatsApp for $19million.

What it is actually?

Basically, it is a free application compatible with any operating system whether android, ios, or windows. The hassle-free video and voice calling makes it an efficient and prominent application to use regularly it just uses your internet connection.

The number of WhatsApp users has been increasing since its launch and crossed 300 million users to date, as compared to any other social media this numerical value is very huge.

So, the company does this aid for free? Does the company do business ethically?   How does the company profit from their employee working for them?

How does WhatsApp Make Money?

Apart from all knowing all this information about WhatsApp, have you ever imagined how WhatsApp makes money? No, then read the points I have listed below:

Other apps earn with the advertisement shown on their webpage but WhatsApp does not do so. Still, the question remains the same where do they earn?

These are the few questions one might think, nothing is rocket science here is the method of how WhatsApp makes money. Around 92% of the apps are free to use on any OS, but when it comes to WhatsApp, the team earns by these methods:

1)    The apps earn a profit for every download WhatsApp earns $1 per download on iOS and $1 per year on other operating systems like Android and Windows.

2)    The main earning arises from Database management; the word is enough to guess the logic. YES! the social media giants know more than you know yourself so drastically, they use your personal data ethically to promote specific ads for you.

3)  In easy words, the advertisement company knows people uses these eminent app Facebook and WhatsApp every day so to advertise their product there is no better platform than this, therefore, they take the relevant data from these giants and targets the specific age group to sell their products.  That’s how one gets to see only those ads which you want to buy.

4) When you download WhatsApp, you register your number and start talking with your loved ones, without paying a single penny, interesting, right? But no, they charge a subscription fee. When you register yourself as a brand-new user, you are allowed to use the application completely free for one year, but after that $0.99 is charged by every user. But still, till today I have not seen anybody paying money for WhatsApp, so we can say that it is a good thing.

The whole database of a person is used for marketing so we itself is a product here that Facebook + WhatsApp now targets.

5) One perhaps interrogates, how this is possible, but eventually, WhatsApp with the use of a smartphone knows where you go, what you do regularly, and who all are your friends so privacy is thus hampered. But till now WhatsApp hasn’t used private data in an unethical way which is necessary to be trustworthy in the eye of a subscribe

6) You might have noticed the things which you search to buy on Google or Yahoo are the same as getting displayed on the Facebook app. How they know which product do you want? Apparently, they target what one wants and displays relevant adds on social media.

Both WhatsApp and Facebook and now Instagram also keep an eye on the profile, and chats so they know more than what you like.

7) So targeted advertisement here is faithfully used by Facebook to collect accurate personal data from its WhatsApp and Instagram.

Everything has its pros and cons, here too applies the same as WhatsApp gives such incredible features to communicate free of cost and thus expect some personal data from you for their use. This is for sure the data isn’t used for malfeasance use and WhatsApp will continue to provide extraordinary features for their subscribers.

Final Words:

After reading the complete guide, I hope you are clear about how WhatsApp makes money, and you have also found it quite interesting.

We are and will always be thankful to the developers for these communication applications as because of them only we are connected with our loved ones via messages, audio, and video calls. Before there was only WhatsApp and Facebook but now there are many other social media applications that you can use for communicating.

We are soon going to be back with more interesting tutorials and articles that will surely leave you in shock. Technology is updating itself on regular basis and we are the ones who are here to provide you with information on the latest technologies so that you can also keep yourself updated with the latest trends.

So, stay tuned and don’t miss the updates, enjoy life and stay happy!

10 Best Ways To Make Money From Pinterest


Are you searching for How to Make Money from Pinterest? Well, Millions of people use social media and one of them is Pinterest which has a great mobile app, Pinterest is a great app, and it’s like a bulletin board for all the things that you love. This has become widely popular now and has received over 2.5 billion page views per month. There are a lot of ways to make money From Pinterest, as the network has grown 3 folds now.

Pinterest gives users the ability to take pictures and add them to similar items that have been pinned on the site. This is not like your usual Facebook and Instagram, where you could just see and like photos. In this, it gives you the authority to create your own boards and pin them up according to your interests.

Let’s see How to Make Money from Pinterest

1) Pinterest is one of the perfect places for you to market a physical product. You could use a good camera and take some professional quality pictures, as well as of the process of making it. You can then upload these on Pinterest on its product sales page, where people can view pins as well as re-pin them.

You need to think about what you as a person are passionate about. Say for example you’re a cook, and you love to put in videos and recipes for your favorite dishes. So what you could do is just choose a target audience, and create a board on Pinterest which would attract this audience.

Try to get followers to follow your board, and once you increase this base, marketers will automatically approach you with great offers.

2) You could do some affiliate marketing. In this what happens is that a lot of companies offer the customers the opportunity to become an affiliate, and they can promote a product in exchange for a portion of the profit, but this is only when people place an order through their link. Try making really pretty and colorful posts that would catch the user’s eye, and make sure they mesh well with your normal postings.

Many companies want affiliates who will promote their products for a small commission on the sales that result from your promotions. Try and find those companies who would sell the products which you promote, and for that just sign up as an affiliate. Then what you could do is use the affiliate links, and promote the products on your boards.

Use a URL shorter to manage your links. Also, track your pins as well as your boards for the number of clicks happening. Also, we have explained different ways to make money online on our blog which will help you get a better idea.

3) You should try and grow your list well. For this, we would recommend that you pin lifestyle images, plus images on popular subjects to Pinterest. In case they become known in the market, you would get lots of followers and whenever they pin the image, your website would be mentioned. This is when the traffic starts pouring in.

Apart from that, re-pin others’ pins to win an audience and make money from Pinterest. Just be active most of the time, and this would do wonders. If you pin other people’s pins then people might notice you, and it’s a great strategy to get more followers.

4) In case your business is more service-based, then that would be a great way to connect to your clients. What you could do in this case is share testimonials, some great captions, quotes, or even tips regarding their business. You need to market yourself and show them what they could gain from working with you.

5) You need to know who your target audience is. Also, know what they might be interested in. You need to understand what problems they have, the pages that they follow, and what content are they interested in. Once you know this basic information about them, you could use the content to market it to them accordingly. Pinterest usually attracts more females as compared to males, but knowing people will see your pins, a certain degree of targeting is required to make money from Pinterest.

6) Choose the right channels for your photos. And not just the channels but make them into categories. Once you have done that, they would be viewed by the specific audiences so you would know which category has how much reach. People would purchase accordingly. What you could do is start teaching your strategies to others and for that purpose, all you need to do is create e-books and courses teaching what you’ve learned from your experience.

7) Social Media Integration should be done first and foremost. This is the only way to reach a much larger audience, and the best way to increase the number of people who might be interested in your product. Do you have any tips for success on Pinterest? Share them with me on Twitter.

8) Choose a company to promote, and ask for sponsorship. Search for the companies which offer products that would appeal to your target audience. For a chef, you could get in touch with grocery companies, bakeries, or cafes. Share your account statistics with the companies that you approach, and then ask them for a sponsorship. Discuss if they could their branding on your account for some time.

9) Use search engine optimization strategies, and make yourself more visible on Pinterest. Eventually, when people search things that you post on Google, your account would automatically show up and you would gain much greater visibility.

A keyword is an important tool that you need to master. You have about 200 characters to write in your profile, about yourself. Use great SEO strategies and make the most of your pin by adding some good links as well as keywords.

10) Create contests on Pinterest to sell your own products, as they are pretty popular and the target audience would find it pretty interesting. We know that a lot of people use great contests to keep their people engaged, so you do need to try something out of the box, but they surely are a great way to trigger people to talk about your brand.

So, these are the 10 great methods to generate a lot of revenue through Pinterest. The best one out of the lot is that you need to be more aware of affiliate marketing techniques. For this, you don’t really need a website or a blog. Just one major Pinterest account, plus some affiliate links as well as pins.

Just go and create a pin, and to it add your affiliate link in the URL space. A market that pins across your Pinterest and sees how to spread the word about this.

Does Pinterest Pay Pinners?

When people hear about earning money from Pinterest, they assume the fact that Pinterest is paying them, but that is not true at all. This application does not pay you. So you must be wondering where you get the money from. Let’s delve into that a bit.

We have

Once you share your affiliate links on Pinterest, and when people click on this link to make a purchase, the affiliate commission that you get is not paid by Pinterest but by the affiliate programs to you. Do use all these great techniques, and you can make money from Pinterest quickly and very easily with just your passion and constant time.