“Only Money buys money” Yes, what I am saying is absolutely correct. In today’s inflationary era, if your money is lying in the bank, it is of no use – it is like termite money! And the termite is called “inflation”, which is eating away at your money and reducing its real value day by day. And if you do not take action against this termite called “inflation” in time, all your money will be of no use to you.

Have you ever wondered, “How much money does your money earn you?” If not, then that is what I am going to tell you today. How will your money grow, and how can you buy money with money? Let’s understand all this in detail, what I want to tell you, and I will also tell you some surefire ways to invest.
How can money buy money?
First of all, let’s understand the meaning of “money can buy money”.
Suppose you have ₹1,00,000. Now, you put this money in the bank, and you get 4% interest on it (the interest rate of a regular savings account). You will only get ₹4,000 per year. But the current inflation rate in India is around 5-6% (as per the estimate for 2025).

That means the real value of your money is decreasing because the purchasing power of ₹1,00,000 is decreasing by 1-2% every year. And if your money is just lying around, it is like termite eating your money– it is of no use!
“The ₹1 lakh in your savings account will still be ₹1 lakh after 5 years – but its purchasing power will be only 70 thousand. Think, what if you had invested this money?”
→ In short, not investing = money leakage.
But if you invest that ₹1,00,000 in a investment schemes, where you will get a 10-12% return, then you will get ₹10,000 to ₹12,000 per year. This return is higher than inflation, meaning your money is actually growing faster than inflation. And if you reinvest this return, you get the benefit of compounding – meaning your money will grow faster. That is, “Money Can Buy Money” – you invested (spent) your money and made new money with it!
Saving is dangerous!
Saving money is necessary, but keeping it idle is dangerous. Suppose you have ₹1,00,000 in 2025. If inflation is 6%, the purchasing power of that ₹1,00,000 next year will be only ₹94,000. So, if you do nothing, your money will automatically decrease. But if you invest the same money and get a 12% return, you will have ₹1,12,000 next year – meaning you have beaten inflation and grown your money! Investing is about using money to create more money.

Comparative example:
What did the person do? | What was the result after 5 years? |
Ram put the money in a savings account ₹1,00,000 | ₹1,00,000 = ₹70,000 worth the same (due to inflation) |
Shyam invested the same money in mutual funds ₹1,00,000 | ₹1,00,000 → ₹1,60,000 (average return 10%) |
5 ways to invest safely
Now the question comes – “Where to invest?” Where will they really grow? Let’s look at some sure and safe ways that both beginners and experienced investors can use. I have selected these ways based on my experience and discussions on various websites (like Investopedia and Moneycontrol) and X.
1. Mutual Funds (SIP):
Mutual funds are a great option, especially if you are a beginner. You can invest a small amount (like ₹5,000) every month through SIP (Systematic Investment Plan). Equity Mutual Funds can give 10-15% returns for long-term investments (5-10 years).
Where to invest? Choose direct plans on platforms like Zerodha Coin, Groww, or SBI Mutual Funds – these have low costs.
2. Stocks (Share Market):
If you are willing to take a little risk, you can invest directly in the stock market. In India, you can buy shares of good companies in markets like BSE and NSE. For long-term investments, choose blue-chip stocks (like Reliance and HDFC Bank), which can give 12-15% returns. But remember, the stock market is risky, so do your research properly.
Where to invest? Buy stocks through brokers like Zerodha, Upstox, or Angel One.
3. Gold:
Gold has always been considered a safe investment option in India. The price of gold has increased 3.59 times in the last 10 years (from ₹26,343 per 10 grams in 2015 to ₹94,630 in 2025). Gold is a good option to beat inflation. You can buy gold coins, biscuits, or digital gold (such as on Groww). Gold can give an average annual return of 8-10%.
Where to invest? Buy digital gold from trusted jewellers or online platforms.

4. Fixed Deposits (FD):
If you don’t want to take risks, a fixed deposit in a bank is a safe option. Currently (in 2025), FDs offer 6-7% interest. This return is close to inflation, but your money remains safe. For example, if you make an FD of ₹1,00,000 and get 7% interest, you will have ₹1,40,255 in 5 years.
Where to invest? Choose SBI, HDFC Bank, or Post Office FD.
5. Public Provident Fund (PPF):
PPF is a government-backed, long-term investment option that is completely safe. PPF currently offers an interest rate of 7.1% (as of 2025), and the interest earned on this is tax-free. The tenure of PPF is 15 years, and you can invest up to ₹1.5 lakh every year.
Where to invest? Open a PPF account in any bank or post office.
6. Real estate (property):
If you have a lot of money (like ₹10-20 lakh), you can invest in real estate. Property prices in India can offer 8-10% returns for long-term investment. You can buy a house or land and rent it out, which will give you a regular income. But real estate has risks and legal issues to take care of.
Where to invest? Buy property in growing cities (like Pune, Navi Mumbai, Bengaluru).
My advice
- Start small: If you are a beginner, choose safe options like mutual funds or PPF.
- Understand the risks: The stock market and real estate are high-risk, so invest according to your risk tolerance.
- Take advantage of compounding: The sooner you start investing, the longer your money will have to grow. For example, if you start investing ₹10,000 per month at the age of 25 and get 12% returns, by the age of 60, you will have ₹1.9 crore!
- Be disciplined: Make it a habit to invest a fixed amount every month so that you can reap big benefits in the future.
Final Remark
In today’s inflationary era, simply keeping your money in the bank is not an option. If you want to grow your money, you have to buy money with money – that is, invest wisely. “Saving money is wisdom. But putting money to work is real financial wisdom.” The above methods can give you safe and good returns, but always do your research properly and talk to your financial advisor. What will be your next step? Tell us in the comments below.