Protect your family, build savings and then plan your investments. Choose the stage that fits your current circumstances. Resources marked Tamil have not yet been translated.
Stage 1 · Beginner
Foundation and family protection
Before investing, protect your income and family against unexpected financial setbacks. Start with emergency savings and high-interest debt.
Step 1.1Emergency fund
Build an emergency fund
Aim to save six to twelve months of essential household expenses in an accessible account or liquid fund for job loss, medical emergencies and other unexpected events.
Review your family's needs for term life and health insurance separately from investments. Cover levels depend on your circumstances; compare policy terms and exclusions.
Compare index and actively managed funds, direct and regular plans, costs and risks. A systematic investment plan can help you invest regularly, but returns are not guaranteed.
Understand the making charges, deductions and business risks of jewellery savings schemes. Compare these with options such as sovereign gold bonds and gold ETFs, including their risks and availability.
Real estate and infrastructure investment trusts can provide exposure without directly buying a property or infrastructure asset. Their prices and distributions can vary.
