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This year, gold investment of Rs 1 lakh turned into around Rs 1.80 lakh. Here, got 80% returns. Whereas investment of Rs 1 lakh in share market and FD became only Rs 1.08 lakh. That is, it got only 8% return.
According to market experts, returns in gold, shares and property can be 12 to 15% in 2026. That means, on an investment of Rs 1 lakh, there can be a profit of around Rs 15 thousand.
1. Gold-Silver
2 popular methods of investment
- Buying physical gold-silver i.e. coins.
- Investing through Gold-Silver Exchange Traded Funds (ETFs).
How to invest: You can buy gold-silver coins or jewelery from reputed jewellers. But there is a problem of storage and identification of real and fake gold in physical gold.
Whereas to invest in gold-silver ETF, one must have a demat account. There is no problem of storage and real-fake identification.
Who should invest: Those people who want better returns with less risk can invest in gold and silver. Like those planning retirement, new investors or people who are afraid of the stock market.
How much return can one get: According to Ajay Kedia, Director of Kedia Advisory, by next year gold can cross Rs 1.60 lakh per 10 grams.
That is, one can get returns of 12-15% from the current price. Another market expert Anuj Gupta is also predicting the possibility of gold crossing 1.50.
Gold gave more than 180% returns in the last 5 years
In December 2020, gold was around Rs 47,500 per kg. Now gold is costing Rs 1.35 lakh per kg. That is, gold has given more than 180% returns in 5 years.
Whereas in 2025, gold has given 80% return. In December 2024, the price of gold was around Rs 75,500.
Silver gave more than 300% returns in the last 5 years
In December 2020, silver was around Rs 56 thousand per kg. Now silver is running around Rs 2.3 lakh per kg. That means, silver has given 300% return in 5 years.
Whereas in 2025, silver has given more than 150% returns. In December 2024, the price of silver was around Rs 85 thousand.
According to Ajay Kedia, silver can cross Rs 2.70 lakh per kg this year. That means, like gold, one can get returns of more than 15% in this also.
2. Stock Market:
2 popular ways to invest in the market
- Buying shares of direct companies. You can get high returns in this, but the risk is also high. Market crashes, company specific problems, huge fluctuations require research and timing. If you make a wrong choice, you may suffer a huge loss.
- You can also invest through mutual funds or index ETFs. There is less risk in this because fund managers manage the investments. In this, money is invested in different shares or sectors. Mutual funds are not traded on stock exchanges, whereas ETFs are traded on BSE and NSE.
How to invest: Demat account is required for direct stocks and ETFs. You can open it online with apps like Zerodha, Grow, Angel One. These platforms also provide the facility to invest in mutual funds. Investment can be made in this through one time SIP.
Who should invest: Investing in equity should be done by those who can take high risk and want good returns for long term (5-10 years+). Like young investors, for wealth creation, retirement planning. The past record shows that the market is the best performing asset class in the long term.
How much return can one get: According to ICICI Direct, Axis Securities, Nifty may cross 29,000 by the end of 2026. That means, a return of 12-15% is possible from the current level of Rs 26,000. Equity is expected to generate 12-15% annual return in the long term.
- Nifty gave 90% returns in the last 5 years.
- Nifty gave 45% return in 3 years.
- Nifty gave 10% return in 1 year.
3. Real Estate:
2 popular methods of investment
- Direct real estate i.e. buying house/plot/commercial property. In this, money grows in the long term and one gets the benefit of rental income. But there are problems like high initial cost, maintenance, tenants, time taken to sell, stamp duty and registration charges.
- The biggest advantage of REITs, i.e. Real Estate Investment Trusts, is that small amounts of money can get stake in commercial properties (offices, malls). It has the benefits of professional management, high liquidity and regular dividends.
How to invest: You can buy property directly from real estate agents or developers (like DLF, Godrej, Lodha). Whereas investing in REITs requires a demat account. Popular REITs like Embassy Office Parks, Mindspace Business Parks can be bought like stocks through apps like Zerodha, Groww.
Who should invest: Investing in real estate/REITs should be done by those who want stable income and long term growth at medium risk. Such as for retirement planning, passive income seekers, or diversification. REITs are a very good option for new investors.
Past records show that REITs deliver stable returns. In the last 5 years, Indian REITs have given 12-15% annual returns on an index basis.
How much return can one get: According to real estate services companies Anarock and Cushman & Wakefield, returns of 12-15% are possible from REITs in 2026.
Whereas in direct real estate, 8-12% annual appreciation is expected in metro cities, but it completely depends on the location.
The first REIT in India was ‘Embassy Office Parks’. This listing took place on BSE and NSE on 1 April 2019. The first index to track REITs, Nifty REITS & INVITS, was launched in 2023. Then it was at the level of Rs 980, which has now increased to Rs 1300. That is, it has given about 30% in about 2 years.
4. Debt instruments like fixed deposits
2 Popular Ways to Invest in Debt Instruments
- Fixed Deposit (FD) means depositing money in the bank.
- Investing through debt mutual funds or bond ETFs.
How to invest: You can choose banks like SBI, HDFC, ICICI for FD. You can easily get it online or from the branch. Senior citizens get an extra 0.5%. You can invest in debt mutual funds through apps like Grow, Zerodha.
Who should invest: Investing in debt instruments should be done by those who want stable returns with very low risk. Such as those planning for retirement, senior citizens, those making emergency funds, or investors who want to avoid the volatility of equities. It has given 7-9% annual returns in the last 5 years.
How much return can one get: Big banks are offering 6-7% interest in FD, while 7-9% is expected in debt funds.
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