{"id":537,"date":"2024-04-16T11:11:41","date_gmt":"2024-04-16T11:11:41","guid":{"rendered":"https:\/\/jamawealth.com\/askguru\/?p=537"},"modified":"2026-03-02T19:32:35","modified_gmt":"2026-03-02T19:32:35","slug":"what-are-the-best-options-to-invest-money-other-than-mutual-funds-in-india","status":"publish","type":"post","link":"https:\/\/maxiomwealth.com\/askguru\/2024\/04\/16\/what-are-the-best-options-to-invest-money-other-than-mutual-funds-in-india\/","title":{"rendered":"What are the best options to invest money other than mutual funds in India?"},"content":{"rendered":"\n<p>With a long time horizon to invest (5 plus years), you can look at direct equity as the best way to grow wealth.<\/p>\n\n\n\n<p>The question hints that mutual funds have not been impressive in their performance. While they do offer multiple fund classes, it is true that on the equity side, 3 yr and 5 year returns have been mediocre. Do not go by the 10 year and 15 year track records because they would carry survivorship bias, ie poor performers get weeded out leaving only the better ones standing.<\/p>\n\n\n\n<p>On the fixed income side, my favourite investments (other than Mutual funds) are:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>PPF<\/li><li>Sukanya Samriddhi Yojana<\/li><li>Debt Funds<\/li><\/ul>\n\n\n\n<p>Investments on the equity side:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Index Funds or ETFs<\/li><li>Direct Equity, but go for it only if you have a SEBI RIA advisor who operates an unbiased platform. Check their values<a href=\"https:\/\/www.quora.com\/What-are-the-best-options-to-invest-money-other-than-mutual-funds-in-India\/answer\/Ram-Kalyan-Medury#JACih\">[1]<\/a>. Check their investment philosophy<a href=\"https:\/\/www.quora.com\/What-are-the-best-options-to-invest-money-other-than-mutual-funds-in-India\/answer\/Ram-Kalyan-Medury#HmCVZ\">[2]<\/a>. Compare their performance<a href=\"https:\/\/www.quora.com\/What-are-the-best-options-to-invest-money-other-than-mutual-funds-in-India\/answer\/Ram-Kalyan-Medury#mrDGk\">[3]<\/a>&nbsp;to see the results.<\/li><\/ul>\n\n\n\n<p><\/p>\n\n\n<!-- mw-cta-block -->\n\n<div class=\"mw-cta-block\" style=\"background:#EEF3FC;border-left:5px solid #1C52A0;padding:22px 26px 20px;margin:36px 0 24px;border-radius:0 10px 10px 0;\">\n  <p style=\"margin:0 0 4px;font-size:11px;font-weight:700;color:#276FC4;letter-spacing:1px;text-transform:uppercase;\">Maxiom Wealth \u2014 Free Tool<\/p>\n  <h3 style=\"margin:0 0 10px;font-size:19px;font-weight:700;color:#113E81;line-height:1.3;\">Is Your Mutual Fund Working Hard Enough?<\/h3>\n  <p style=\"margin:0 0 18px;color:#444;font-size:15px;line-height:1.65;\">Two funds with similar star ratings can deliver very different outcomes. Use our fund comparison tool to check if you&#8217;re in the right scheme for your risk profile and investment horizon.<\/p>\n  <a href=\"https:\/\/maxiomwealth.com\/resources\/calculators\/better-funds-checker\" style=\"display:inline-block;background:#1C52A0;color:#fff!important;padding:11px 22px;border-radius:6px;text-decoration:none;font-weight:600;font-size:14px;margin:0 10px 8px 0;\">Compare Funds \u2192<\/a>\n  <a href=\"https:\/\/maxiomwealth.com\/meeting\" style=\"display:inline-block;border:2px solid #1C52A0;color:#1C52A0!important;padding:9px 22px;border-radius:6px;text-decoration:none;font-weight:600;font-size:14px;margin-bottom:8px;\">Talk to a Financial Advisor<\/a>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>With a long time horizon to invest (5 plus years), you can look at direct equity as the best way to grow wealth. The question hints that mutual funds have not been impressive in their performance. While they do offer multiple fund classes, it is true that on the equity side, 3 yr and 5&hellip;&nbsp;<a href=\"https:\/\/maxiomwealth.com\/askguru\/2024\/04\/16\/what-are-the-best-options-to-invest-money-other-than-mutual-funds-in-india\/\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">What are the best options to invest money other than mutual funds in India?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[26,92],"tags":[],"class_list":["post-537","post","type-post","status-publish","format-standard","hentry","category-investments","category-strategies-investments"],"_links":{"self":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/537","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/comments?post=537"}],"version-history":[{"count":1,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/537\/revisions"}],"predecessor-version":[{"id":3945,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/537\/revisions\/3945"}],"wp:attachment":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/media?parent=537"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/categories?post=537"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/tags?post=537"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}