Money Cocktail: A prudent investment tail. By - Kapil Sharma

Best Saving Tips: 

1. For a novice investor may try with bank F.D or Debit Funds 
2. For a experience investor may try Mutual Funds
3. For a seasoned investor may try Stocks or ETF's. 

1.1 Bank F.D or Debit Funds: 

    The return yield is approx. 5-9% per annum. 

To calculate real return subtract national inflation - annual yield. The result state are the investor really beating the specific location inflation or not. 

2.1 Mutual Funds: 

    The return yield is approx. 2.5 to 35 % per annum. 

It depends on mutual fund house and mutual fund manager and selection of company stocks they are investing. 

3.1 Stocks and ETF: 

    The return is 0 to 100 or more % per annum. 

In this return based on company operations and sales. If investor purchase one company stock the output of investor return based on the company results based on sales, operating cost, cashflow etc. 

Where as if the investor purchase ETF in that case the investor purchase a basket of multi company stocks. For example, a NIFTY 50 ETF buys company stocks only for 50 companies who are actual forming the NIFTY only. So a index NIFTY 50 annual yield is 10-15 %/ 

Tip: It's best that long term investor may go for NIFTY 50 ETF rather than a specific company stock.