Money saved is money earned is the idiom prevalent in society, and almost everyone advises you to follow the same in your life. What if a little modification in the above-said phrase goes as Saved money invested systematically is money earned? At present, money just saved in cash form is not what is earned at all. Finance is one of the crucial aspects of human life. Given that, finance needs utmost attention to circumvent the money crisis.

When it comes to investments, the first thing that might hit your brain is depositing your hard-earned money into banks that can hardly give you a returns the maximum of 7 per cent. On the other hand, the current inflation rate in India goes up to 5 per cent. After subtracting the inflation from the money earned through bank interest, what is left behind is only 2 per cent of profit, which is significantly a low income through the investments, check India Latest Business News.

With the changing time, there is a need to adopt investing smartly and exploring the new investment options. This article comprises the top five financial investments in 2022, including the top 3 from the financial asset class and two from the nonfinancial asset class.

Best Financial Investments In 2022
A] Financial Asset Class
A financial asset can be defined as a liquid asset that comes straight from the assertion of a contractual right or the assertion of ownership rights. Financial assets encompass things like money, shares, securities, mutual funds, and fixed deposits in the banks, to name a few examples. The value of financial assets is determined by variables like supply and demand in the market wherein they trade and the risk involved in asset value.
Stock

Investing in stocks is often called complex. It requires well awareness about share market terminologies. Additionally, the stock has fluctuations in prices that are often impossible to predict. However, investments in stocks have given extremely high returns over a long period.

Mutual Funds
Mutual funds can be referred to as indirect investment in stocks, bonds and other assets with a reduced risk of loss. Money managers form up a group of several investors, procure their money and invest in securities that might give high returns. Money managers or asset managers analyse the market on various parameters and invest in high yielding stocks. A pre-decided commission referred to as expense ratio is these asset managers' earnings upon profits.

Cryptocurrency
Cryptocurrency is the latest buzz globally that has given unbelievable returns in significantly less duration. There are more than 14,000 digital currencies available to invest in. It is needless to mention that volatility is also present in cryptocurrency. The Crypto market has fallen heavily since the speculations about banning trading and mining of crypto in India broke out. However, the crypto market can resume its pace once the government of India clarifies its stand on the existence of digital currency in India.

B] Nonfinancial Asset
A nonfinancial asset is an asset class with physical size and shape. They tend less to market volatility, and the loss factor is negligible.
Real Estate
Investing in real estates such as a house or land is considered the safest investment. It can earn you rent, while its value will always be on ascending side. However, investments in real estate are often difficult to liquidate. Additionally, the legal hand handover of properties might include difficulties in documentation and permissions.

Gold

Gold, in India, is more than just an asset. Gold has emotions attached to it and is often used in rituals or is gifted to loved ones. Investment in gold is safe but has many concerns linked to it, including the risk of theft.

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