Investing in India as a salaried professional

NPS for the additional 50k tax deduction under 80CCD(1B) is free money. Most people don't even know it exists.

Real estate in Bangalore as an investment is not what it was. The rental yields are 2-3% while EMIs are 8%+. The math doesn't work.

SIPs remove the timing problem entirely. Set it up, forget it, check once a year. Simple beats sophisticated here.

PPF is criminally underused by young salaried professionals. 7.1% tax-free return with EEE status is hard to beat.

Index funds beat most active funds over 10+ years. The evidence is overwhelming. Start there, not with stock picking.