You can invest in MFs either as a lump sum or monthly via SIPs. Post office savings schemes Other than the PPF and RD, the post office offers various other schemes. These include time deposits, Senior Citizens Savings Scheme, Monthly Income Scheme, Kisan Vikas Patra and National Savings Certificate. The features, limit on investment amount and interest rates offered varies in these schemes. They are considered quite safe as they are backed by the government of India. Gold Although gold does not yield consistent returns like FDs, it is one of the most popular investment options for Indians. This is because gold is seen as something that can offer safety and stability during uncertain times. You can buy physical gold -jewellery, coins, bars - or paper gold - gold ETFs, gold mutual funds, Sovereign Gold Bonds and digitally via Paytm and Stockholding Corporation of India. Click here to know how much gold you should hold in your portfolio and why experts say not to invest too much in gold. Intermediate Market Analysis Bonds. Market Analysis Bonds Stocks.