1) Gold or Silver:

Since the rupee is expected to appreciate this year, it's time to curb your investment in gold this year. Opt for investing in silver instead as a short-term investment. If you want to stick with your investments in gold, limit your overall investment to be 5 to 10%.

2) Property:

Growth this year in the main metropolitans' property values are expected to decline or roughly remain the same. Focus on investing in tier-2 or 3 cities which have more potential to grow.

3) Equity:

Investing in equity can be quite tricky and volatile. Stick with equity if you are planning to invest long term.

4) Debt mutual funds:

These mutual funds invest primarily in negotiable certificates of deposits or corporate deposits. When interest rates decline, this is probably your best bet for an investment.

5) Large cap mutual funds:

Investing in a large cap mutual fund can give you quick returns within 1 to 3 years as there is very less share market downtrend.

6) Just keep it in the bank:

Investing in top fixed bank deposits can give you some really good annual returns. Interest rates are at their peaks and you can gain up to 9.25% interest on your investments.

Happy investing!

Author: Aditya Prasad, Chief Evangelist @Perfios Software.

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