Here are some of the best online investment plans in 2025, suitable for different risk appetites and financial goals: 1. Mutual Funds (via SIP) Best for: Long-term wealth creation Platforms: Groww, Zerodha Coin, Kuvera, Paytm Money Types: Equity, Debt, Hybrid Returns: 10–15% (equity funds over long term) 2. Public Provident Fund (PPF) Best for: Safe, long-term savings with tax benefits Platform: Netbanking or India Post Online Interest: ~7.1% (compounded annually) Lock-in: 15 years 3. National Pension Scheme (NPS) Best for: Retirement planning Platform: eNPS (CRA by NSDL or Karvy) Returns: 8–10% Tax Benefit: Up to ₹50,000 under Section 80CCD(1B) 4. Stocks (Direct Equity) Best for: High-risk, high-reward investing Platform: Zerodha, Upstox, Groww, Angel One Tip: Focus on blue-chip stocks and do thorough research 5. Fixed Deposits (Online FDs) Best for: Low-risk, guaranteed returns Platform: Banks like HDFC, SBI, ICICI, or platforms like Fi, NiyoX Interest: 6–8% annually 6. Real Estate Investment Trusts (REITs) Best for: Real estate exposure without owning property Platform: Stock broking apps (Zerodha, Groww) Returns: 7–10% 7. Gold (Digital/ETF/Sovereign Gold Bonds) Best for: Inflation hedge and portfolio diversification Platforms: RBI, Zerodha, Paytm Gold, Groww Returns: 6–9% historically 8. Crypto (for risk-tolerant investors) Best for: High-risk, high-reward opportunities Platform: CoinDCX, WazirX, CoinSwitch Note: Highly volatile and regulated differently