An investment is an asset or item acquired with the goal of generating income or appreciation. Appreciation refers to an increase in the value of an asset over time. When an individual purchases a good as an investment, the intent is not to consume the good but rather to use it in the future to create wealth.

a. Equity – Equity Shares – Already written, IPO-(Initial public offering) is a type of public offering in which shares of a company are sold to financial institutions, institutional investors and usually also retail (individual) investors; an IPO is underwritten by one or more investment banks, who also arrange for the shares to be listed on one or more stock exchanges. PMS-(Portfolio Management Services)

b. Derivatives – E.g. Futures, Options- Call/Put,

c. Mutual Funds – E.g. SIP (Systematic Investment Plan), ELSS (Equity Linked Saving Scheme), Large Cap Fund, Mid-Cap Fund, Small Cap Fund,

d. Commodities – A commodity market is a market that trades in primary economic sector rather than manufactured products. Soft commodities are agricultural products such as wheat, coffee, cocoa, fruit and sugar. Hard commodities are mined, such as gold and oil E.g. Gold, silver, crude Etc.

e. Corporate FD’s & Bonds – CFD – E.g. M&M, DHFL, Shriram Etc., Bonds covered u/s 54EC – E.g. REC, NHAI, PFC, IRFC