If you don’t like stock market then consider these ways, you can easily earn money without any tension.

Smart Investment Options: When the stock market falls, retail investors often get worried about their investments. This concern is natural, as market volatility can affect their investments. But on the positive side of the drawdown, it’s also a time to reevaluate your money strategies. If you also find yourself unable to make money in this volatile market, you can look at other options. There are some alternative investments that can provide small investors with comfortable returns even in a volatile market.

1. Fixed Deposits (FD) – The right choice for security
Fixed Deposit, also known as Fixed Deposit, is a safe investment option. In this, you deposit your money in the bank for a fixed period and in return you get a fixed interest. These investments are not affected by the fluctuations of the stock market. So FD becomes a safe option when the market falls. Currently, due to rising interest rates in India, banks and financial institutions are offering high FD rates, which can be as high as 8% per annum. This option is ideal for investors who are nearing retirement, or prefer to preserve their capital.

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2. Debt Mutual Funds – For steady returns
Debt mutual funds invest in bonds, government securities and corporate debt. These funds provide a balance of safety and return. Although they are not completely risk-free, they have lower volatility than equities. Liquid funds and short-term bond funds are suitable for investors who want returns without a long lock-in period. Their average yield ranges from 5% to 7%.

3. Government Small Savings Schemes
Schemes like Public Provident Fund (PPF) and National Savings Certificate (NSC) offer attractive tax-free returns. For example, PPF offers an interest rate of around 7.1%, with a lock-in period of 15 years. But its maturity amount is tax free. If you are a senior citizen, consider the Senior Citizen Savings Scheme (SCSS), which offers returns of up to 8%.

4. Investment opportunities in real estate
Property prices have stabilized in some places, creating favorable conditions for long-term real estate investment. Rent provides a regular source of income. Real Estate Investment Trusts (REITs) offer the option of investing small amounts in real estate, with average returns ranging from 6% to 8%.

5. Investment in Gold – A hedge against market fluctuations
Gold is traditionally considered a safe investment during economic downturns and hedges against inflation. Even those who invest in the market with large capitals rush to invest in gold in times of crisis. You can invest in gold ETFs and Sovereign Gold Bonds (SGBs) without physically holding gold. Over the last decade, gold has given an average return of 8% to 10%.

6. Dividend stocks – for income stability
Dividend-paying stocks tend to be less volatile than other growth stocks and provide income even during recessions. Choose large companies that have a history of paying dividends. Such companies are more common in sectors like utilities, 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 lower prices during market downturns. Through SIP you get the benefit of rupee cost averaging, which allows you to reduce the impact of market fluctuations.

8. Corporate Bonds – For Fixed Income
AAA-rated corporate bonds offer fixed interest rates and are relatively safe. Current yield corporate bonds can yield 7% to 9%. Check the bond’s rating to confirm the issuer’s reputation.

9. Hybrid Mutual Funds – A Balanced Approach
Hybrid funds have one part in equity and one part in debt, which provides growth potential as well as capital protection. Balanced Advantage Funds (BAFs) adjust their equity and debt allocations according to market conditions.

10. Alternative Investments – Peer to Peer Lending
Peer-to-peer (P2P) lending platforms offer investors the opportunity for high returns, although there is some risk involved. Returns on P2P lending can be 10% to 15%, but thorough research is important before investing. By considering all these options, retail investors can achieve their financial goals and stay safe even in a volatile market.

Tags: Debt Investments, Gold investment, Investments and returns., Investment scheme, Investment Tips, Personal finance