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Best money investment trend with stable returns for 2023

2022 came to an end and having faced many challenges and downfalls, what are the cautionary steps you could take in terms of investing in 2023?

The landscape of investment is facing a bottleneck. There are many stable and low-risk ways to maximize returns but the skepticism of investors and the volatility of the market have held back the investors. And according to JPMorgan forecasts, we are heading toward a mild recession in 2023.

However, that must exactly be the reason why you must invest. Yes, the whole world is going through a challenging time. Recession, Inflation, and the Stock market plummeting down are the words we have heard throughout 2022. Given these volatile times, it is everyone’s responsibility to ensure they are investing in the right ways to maintain a stable passive income.

Although millennials and gen-z are interested in starting early with their investments, they aren’t quite sure what works and doesn’t. And in this blog, we will showcase the best money investment plans that give stable returns. Let’s get started.

Top 5 financial investment trends to look out for in 2023

Digital Gold

Digital Gold is the growing trend in these uncertain times in the market. It is simply because they come with stable returns.

Digital Gold is an electronic form of actual gold. Your investment in gold is saved in secured vaults by your authorized seller. Instead of you having the gold, your authorized seller will have the reserves saved in secured vaults. You might think, if I don’t have it, how would I know if it is mine? Well, the concept of digital gold is to make lives easier. Your investment will be safe and secure, you will be investing in legit 24 carats of gold which you can cash in with just a few clicks.

However, it is ideal for exploring players in the market who allow you to invest and grow the investment. Fello is a platform that promises 10% stable returns, where you can make investments, and maximize your returns by playing interactive games. Well, we think Digital Gold is the right investment for you, what do you think?

Regulated RBI Bonds

The Government of India launched the Floating Rate Savings Bonds, 2020 (Taxable) scheme on July 01, 2020, to enable Resident Indians/HUF to invest in a taxable bond, without any monetary ceiling.

The rate of interest on the Government of India Floating Rate Bond 2033 (GOI FRB 2033) applicable for the half year September 22, 2022, to March 21, 2023, shall be 7.42 percent per annum. The new bondsinsured by RBI have a unique feature- the interest on them is subject to reset every 6 months! 

With that being said, it is evident that these bonds are a great way to make secure and long-term sustainable returns. ‍However, speaking about bonds, Sovereign gold bonds are indeed the alternative to holding physical gold suggested by the RBI. These bonds come with no risk related to storage and authenticity. 

It is up to you, if you prefer security over higher fixed interest rates, it is also ideal to invest in such bonds.

Mutual Fund

Then, now, and forever, Mutual funds will be an evergreen investment that serves investors who aren’t in a space to research stocks. 

As an investor, it is mandatory to stay ahead of the market. And mutual funds are a game of outperforming the market where it requires consistent monitoring of the market. Mutual funds is managed by professionals who study the market, and gains expertise. Investors, take the help of such professionals to manage their investments. Which naturally means a part of your investment or gains, goes to the professional.

But be mindful, it is all about diversification. Make sure you have a fine balance between equity, debt, and gold funds. The reason is, mutual funds with exposure to more equities had a historical track record of taking a hit during the recession.

It also depends on your short-term and long-term investment goals. When done right, mutual funds can be a high-yield investment in the long run. It all depends on finding the right fund manager who has a proven track record of maximizing investments. Mutual funds come with stable and maximized returns, however, it is important to play it safe.


Public Provident Fund (PPF) came into existence in 1968 to enable small investments with returns. With this, you not only save on annual taxes but also build a retirement fund in place that helps you in the longer run.

PPF investment will reap the maximum benefits as you prolong the duration of your scheme. But one thing is that it promises a solid return. In no time, you will realize that PPF gives tax-free interest earnings, which helps grow your money faster and faster.

For example, if you make annual payments of Rs.1,00,000 towards your PPF investment for 15 years at 7.1%, your maturity proceeds at the end of 15 years would be Rs. 31,17,276.

PPF is specifically designed to help young taxpayers to start early with their investments, the earlier you start, the best benefits you reap.

Fixed Deposit

As the name suggests, Fixed Deposit is the safest and oldest means of investing your money where the interests are higher than the normal savings account. As it comes with a fixed rate of interest and allows you to be flexible with tenure extension, it has prevailed to be one of the best means of investment.

Fixed deposit interest usually ranges between 7% to 9% depending on the tenure and the bank providing it. Fixed deposit interest rates have been on a sharp rise since May 2022. This year, the central bank has already hiked the repo rate by 190 bps from 4% to 5.9%. 

And the chances of the FD interest rate rising past 9% is also possible in this scenario. However, it is best to make short-term investments in a growing market.


It is essential, a need to invest amidst the fluctuating economy. It is important to find a source through which you can gain stable returns. With Fello, a gamification-based investment app that allows you to invest in Digital Gold on the go. Click here to get the app, and start your investment journey today.

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*The listed financial assets are subject to market risks. Please read all asset related information carefully or optionally contact us before investing.