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FD, Gold, Property, ya Share Market? 2026 Mein Paisa Kahan Invest Karein? Where should you invest your money in 2026 — FD, bonds, gold, real estate, IPO, or the stock market? In this detailed financial podcast, CA & Investment Coach Vipin Kumar Sharma explains the real mathematics behind wealth creation in India. This episode breaks down investing in the simplest way for beginners while using real data like Sensex long-term returns and CAGR comparisons across asset classes. Facebook - / cavipinksharma YouTube - / @ca.vipinsharma Instagram - / cavipinsharma2025 We discuss: Why the share market for beginners should start with index investing How the Nifty index fund investment works and why it is considered the safest entry point Real historical data behind Sensex long-term returns (15%+ CAGR) Why does inflation reduce real returns from an FD Detailed FD vs bond comparison and tax efficiency of bonds Why real estate may not outperform as much as people think (real estate vs. the stock market) Rental yield vs appreciation explained with numbers Gold investment reality – physical gold vs gold ETF investment Why gold grows during global uncertainty When IPO investment strategy makes sense (listing gains vs long-term holding) The psychological mistake in trading vs investing Why taking a loan to invest is risky How much emergency fund should you keep? Where to park your emergency fund for liquidity and safety This podcast explains how compounding works over decades and why a disciplined SIP mutual fund strategy can create long-term wealth. If you are confused between mutual funds, ETFs, gold, bonds, property, or direct stocks — this episode gives clarity backed by logic, not emotion.