It’s fair to be concerned about your money, particularly when you saw significant declines in the bond and stock markets. And starting an investment portfolio during a volatile period can be unsettling. You won’t lose money if you adopt an investment strategy suitable for your financial circumstances and time horizon. Your investment strategy must include the appropriate asset allocation for you.

Here are the 12 best investment options for any age or income:

1. High-yield savings accounts- Higher rates of return are offered by online savings accounts and cash management accounts than by regular bank savings accounts. Cash management accounts resemble combined checking and savings accounts. They frequently come with debit cards and may offer interest rates comparable to savings accounts. Brokerage businesses primarily provide them.
2. Fixed deposits- A fixed deposit is an investment plan that entails making a one-time, lump-sum investment with a financial institution for a predetermined length of time. You get interest at a specific percentage as a reward for depositing this big cash. The financial institution refunds your principal investment amount and interest that has accrued up to that point when the designated amount of time has passed. In India FD calculator is available on the websites of financial institutions like Bajaj Finserv, and you can use it to calculate the interest amount. 
3. Money market funds- Money market mutual funds are a type of investment, as opposed to money market accounts, which are savings-account-like bank deposit accounts. Your money purchases a collection of high-quality, short-term government, bank, or corporate debt when you invest in a money market fund.
4. Government bonds- A government bond is a debt you make to a government organisation that will pay investors interest over a predetermined period. Usually, the time period ranges from one to thirty years. Bonds are referred to as fixed-income securities because of this consistent source of payments. Government bonds are essentially risk-free investments.
5. Corporate bonds- The main difference between corporate bonds and government bonds is that you are lending money to a firm rather than to the government. Corporate bonds are riskier since the government does not guarantee these loans. The risk or return profile of a high-yield bond can actually be significantly higher and more similar to that of stocks than bonds.
6. Mutual funds- A mutual fund collects money from investors to purchase stocks, bonds, or other assets, to protect themselves from the losses of any one investment. Investors can diversify their budgets with the help of mutual funds, which distribute the money among various investments.
7. Index funds- A sort of mutual fund known as an ‘index fund’ holds the equities in a specific market index. A mutual fund that is actively managed pays a specialist to choose the assets for the fund. But the goal of an index fund is to offer investment returns similar to the performance of the underlying index.
8. Exchange-traded funds- ETFs are similar to mutual funds in that they combine client funds to acquire a variety of securities, resulting in a single diversified investment. The way they are sold is different. Investors purchase shares in ETFs in the same way they would purchase shares of a single stock.
9. Dividend stocks- Dividend stocks can offer both the growth of individual stocks and stock funds as well as the fixed income of bonds. Dividends, which businesses regularly pay to shareholders, are frequently linked to dependable, successful businesses.
10. Individual stocks- A share of ownership in a corporation is represented by a stock. Stocks offer the highest amount of return on investment while also experiencing the highest level of volatility. One of the most well-liked investment options in India is this. 
11. Alternative investments- Alternative assets cover commodities like gold, silver, private equity, hedge funds, cryptocurrencies like Bitcoin and Ethereum, as well as paper money, liquor, and fine art.
12. Real estate- In traditional real estate investing, a property is purchased with the intention of eventually selling it for a profit.