Investments from Salary

Let’s just make it clear with an simple example. A person with 50k salary monthly living at own house not on rent. Then how much amount of 50k should be invested whether in stocks, SIP, PPF etc and how much should be kept as fund in bank?

Depends on your current status and capital. 50k a month income, I am assuming you are about 24-25 and just been into a regular income job for a couple of years. If you have 8-10x of your monthly expenses in your savings/FDs. You are all set with an emergency fund that you should not touch. I hope you understand that. Now comes the part where you want to invest in new income. There are two major classes - Equity and debt. Equity - you can invest by directly purchasing stocks or SIP into equity mutual funds Debt - can be done via FDs, bonds, PPFs etc.

For 50k, first calculate your monthly recurring expenses with some buffer and minus that from 50k. You are left with lets say 30K. Invest in
Equity (65-70%) - nifty Index fund/ etf Any good flexi cap Value discovery fund (if you are ok taking risk for higher returns in long term)

Debt(rest) - choose between FD
PPF (can utilize tax benefits if you are under old regime) Equity and debt mutual funds