In today’s cut-throat and competitive world, each and every person invests a lot of time and hard work in earning the maximum possible amount of money that they possibly can. Therefore, it is worthwhile to ensure that this hard-earned money is invested with the maximum possible return on the investment. There are several avenues in which an investor can invest money in; both private and government institutions offer excellent plans to nurture and grow the investment in a time-bound manner. In the world of investment, only one mantra strikes a chord with investors: higher the risks, higher are the returns. Bonds and investment ventures of the government, although offer lower returns are definitely worth investing in as they are backed by the sovereign guarantee of the country, making them the least risk-prone investments. However, some higher-return-paying entities invest in high-risk institutions and opportunities. Depending on the risk appetite, investors need to ascertain the amount of money that they can invest in such schemes. Senior financial asset managers confirm that it is always a good idea to spread money across different risks, thereby resulting in averaged incomes. Mutual funds are investment funds that pool monies from various investors and invest these amounts in securities. The main advantage of a mutual fund is its inherent ability to diversify the investment in various risk structures, virtually reducing the risk of the investment. The other advantage is that these funds are usually professionally managed by veterans of the finance industry, thereby ensuring maximum return on investment in every structure. One disadvantage of mutual funds is that they are not modifiable by the investor, making them less flexible. Investments in life insurance policies, systematic investment plans, government bonds and policies, etc. are also good avenues for investing and securing your money. Along with nurturing the investing habits in the general populace, investments offer a way to save money in the form of tax benefits provided by the government from time to time on both the investment as well as the return. Some investment opportunities come bundled with life insurance and accident insurance plans, which are a bonus for the investors. The amount and avenue of investment will always depend on upon the investor, and the investors should always have the final say in investing their hard-earned money.