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...Your investment menu card instrument tax return duration benefit epf long term ppf nsc fd s banks to short post office senoir citizen savings scheme mutual funds market linked ulip nps direct equity gold real estate cost of money lying idle in account interest earned year per annum on impact inflation value at the end ought beat challenges involved investing directly capital time expertise lack information portfolio volatility key considerations liquidity you get back when want it safety plus convenience how easy is invest disinvest and adjust needs returns much really left for what fund why a trust that pools number invetors who share common financial goal anybody with an investible surplus as little few hundred rupees can thus collected then invested by manager different types securities these could range from shares debenture instruments depending upon stated objective gives not assured have potential perform better than other products most efficient distributors...