If you had ₹10k to invest every month, where would you put this money?

₹5000 - Small cap mutual fund 💹 ₹2500 - Gold ETF 🥇 ₹2500 - Silver ETF 🥈 Investment horizon - Above 10 years

Depends on your persona (risk appetite and expected returns, liquidity needs) Option 1: Bonds If you want to go for safer options, then you can explore Wint Wealth for bonds ( expected returns are around 10-12%) or can use Stable Money for investing in FDs at 9-9.5% expected return. Option 2: Stocks But if you're looking for greater returns than that, can pursue fundamental analysis for investing, ( can follow KamayaKya or different advisors). Pick 1 industry and see what all companies are emerging in this. For example: I was excited about the semi conductor industry in the next few years. And made a list with different companies across the value chain and shortlisted good prospects. But this is something when you have to devote 2-3 hours a month to make an investment decision. It helps in the longer run and you'll be a more skilled investor. Option 3: Can use smallcase for investing in MFs Option 4: Gold, silver, etc. (As suggested in the thread) Speaking from personal experience, my journey was similar and I opted for Option 2 at the start and later on explored different options. All these options have their own nuisances. Happy to answer any questions!

Small caps mutual funds

Invest all in PPFAS and forget about it. Check after every year and see the growth. But keep in mind your starting when share market is all time high. So it will be little less returns initially but eventually you will catch up.

Keep it simple for such a small pf and SIP . + 1 for Parag Parikh. It is more like a PMS

Index funds

Parag parkih felxi cap

Invest in yourself. Books, travel, classes to upgrade relevant skills.

- Nifty 50 Index funds - fitness

Just buy the Index + SGB till you hit 50L. 80:20. Diversification is pointless for a small corpus.

Coke and hookers.