How to Invest in 2026

If you are a beginner and want to start your investment journey in 2026. This is how you can start:

Nifty50

• As a new investor, starting with an index can be a good decision because it minimizes the risk and delivers decent returns in the long term. When you invest in the Nifty50 index, you are indirectly investing your money in the top 50 companies of India, which means your investment is diversified into 50 big companies, which significantly reduces the investment risk.

• Historically, the Nifty50 has given 13% of compounded annual growth rate. This makes it an attractive investment option with good returns and low risk.

• You can invest in Nifty50 through ETFs such as ICICI Prudential Nifty50 ETF and SBI Nifty50 ETF, which are two major ETFs that have a long history and low annual maintenance fees that are less than 0.05% annually.

Gold

• In India Gold is always seen as a safest way to protect your wealth from inflation. There is no doubt that Gold is the safe heaven for investors not just in India but around the world. As the world moving away from US Dollar the demand of gold has increases significantly due heavy buying from central banks around the world. As a new investor you can also invest in gold and grow your investment without taking significant risk.

• It we see the data for last many years it shows that the gold has given between 13 to 14% compounded annual growth, which means your 1 lakh rupees invested today can become more than 3 lakhs in next 10 years without facing much volatility.

• You can Invest in gold in two ways either you can buy physical gold which includes making charges or you can invest in gold through ETFs. These are the Gold ETFs which you can consider, ICICI Prudential Gold ETF which has a expense ratio of 0.5% annually and Zerodha Gold ETF which has the expense ratio of 0.33% annually.

Bonds

• When you invest in bonds, it means you are giving money to the government or a company, and that government or a company promises to pay your money back with interest. This is called a bond. Investing in a bond is very much like an FD; you get fixed interest on your capital.

• You can invest in AAA-rated bonds because they are very safe. These bonds pay an interest rate between 7-8% per annum.

• You can invest in bonds through platforms like GoldenPi and Indiabonds.