i Foreword 1ii Preface 3iii Acknowledgements 81. TellMeQuicklyAbout Investing 102. WomenAndInvesting 143. BasicInvestingTermsAndConcepts 184. FixedDeposits:Simple,EasyAndNow InMultipleFlavours! 345. RecurringDeposits: AWinningHabitForAllSeasons! 436. Gold:AnEssentialInvestmentForEveryIndian! 498. PostOfficeMonthlyIncomeScheme:ForAssuredMonthlyIncome 64

a. The Fixed Deposit Concept 34 b. Types Of Fixed Deposits 37c. How To Invest In Fixed Deposit Schemes 39a. TheRecurringDepositConcept 43 b. DifferentOptionsWithRecurringDeposits 44c. RecurringDepositsAtBanksAndPostOffices 45d. HowToInvestInARecurringDeposit 46a. HowGoldWorksAsAnInvestment 49 b. GoldBarsAndCoins 51c. GoldMutualFunds 52d. EarnInterestOnGold 54e. HowToInvestInGold 55a. TheNationalSavingCertificatesConcept 59 b. HowToInvestInNSCs 60a. The POMIS Concept 64 b. HowToInvestInPOMIS 66

7. NationalSavingCertificates(NSCs): ANationalFavourite 59

9. InfrastructureBonds:SafeAndSimple,ButOutdated 6910. PublicProvidentFund(PPF):SlowAndSteadyWinsTheRace 7311. Employees'ProvidentFund(EPF):TheSalariedPerson'sFirstChoice 7912. SeniorCitizens'SavingScheme(SCSS):NeverFeelRetired! 8613. MutualFunds:TheSmarterWay ToInvestInStocksAndBonds 9114. EquityLinkedSavingScheme(ELSS):HaveYourCakeAndEatItToo! 10515. SystematicInvestmentPlan(SIP):TheSmarterWayToInvestInMutualFunds 11016. LifeInsurance:JustDoIt? 119

a. TheInfrastructureBondsConcept 69 b. HowToInvestInInfrastructureBonds 70a. The Public Provident Fund Concept 73 b. How To Invest In PPF 75a. The Employees' Provident Fund Concept 79a. The Senior Citizens' Saving Scheme Concept 86 b. How To Invest In SCSS 88a. The Mutual Funds Concept 91 b. Types Of Mutual Fund Schemes 94c. How To Invest In Mutual Funds 99a. TheEquityLinkedSavingSchemesConcept 105 b. HowToInvestInELSS 107a. The SIP Concept 110 b. How To Invest Using SIP 114a. The Life Insurance Concept 120 b. More Than Just Insurance 121c. Types Of Life Insurance 122d. Deciding On The Right Insurance Scheme 130e. How To Invest In Insurance Policies 131