1. Stock Market (Equities)

High risk, high reward. Great for long-term wealth building. Diversify across sectors or use index funds/ETFs.

2. Mutual Funds / Index Funds

Safer than picking individual stocks. Managed by professionals or automated strategies. Good balance of growth + convenience.

3. Real Estate

Tangible asset with potential rental income. A good hedge against inflation but requires higher initial capital.

4. Bonds (Government / Corporate)

Lower risk and steady returns. Suitable for conservative investors. Best for capital preservation.

5. Gold / Precious Metals

A safe-haven asset during uncertainty. Protects against inflation and currency depreciation. Available as physical or digital gold/ETFs.

6. Fixed Deposits / Savings Accounts

Very low risk with guaranteed returns. Ideal for emergency funds. Downside: returns often barely beat inflation.

7. Retirement Accounts

Tax benefits + long-term compounding. Essential for financial independence (401k, IRA, PPF, NPS depending on country).

8. New-age Options

Includes Crypto, Startups, REITs, and ETFs in AI/Green Tech. Very high risk, but potentially very high reward. Best with only a small portion of portfolio.