Want to Grow Your Money Without Risk? Try These 5
Safe Investment Ideas
Not
everyone wants to invest in stocks or crypto. If you're someone who values
safety and consistent returns, this blog is for you.
🟢 1. Public Provident Fund (PPF)
- Govt-backed
- 7.1% average annual return
- Lock-in: 15 years
- Tax-free under Section 80C
Perfect for long-term, low-risk savings.
🟢 2. Senior Citizens Savings Scheme (SCSS)
- Only for age 60+
- Interest rate: ~8.2%
(quarterly update)
- Lock-in: 5 years
- Best for retired parents or
family
🟢 3. Fixed Deposits (FDs) in Small Finance
Banks
- Safer than co-op banks,
better rates than big banks
- Interest: 7–8.25%
- Liquidity + safety combo
FDs may be boring, but they still have their place.
🟢 4. Debt Mutual Funds
- Invests in government bonds,
treasury bills
- Short duration funds are
ideal for <3 years
- Returns: 6–8%
- Slight risk, but still safer
than equity funds
🟢 5. Post Office Monthly Income Scheme
(POMIS)
- Monthly interest payout
- 6.9–7.4% returns
- Lock-in: 5 years
Great for conservative investors who want a fixed monthly income.
✅ Conclusion
Risk-free
doesn't mean return-free. You can grow your money even if you don’t like risk —
just choose wisely and stay consistent.
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