For those interested in income generation, <strong data-start="4571" data-end="4589">fixed deposits, <strong data-start="4591" data-end="4622">high-yield savings accounts, and <strong data-start="4628" data-end="4658">government savings schemes (like PPF, NSC in India or Treasury Bonds in the US) offer capital protection and predictable returns. Though the yields are lower, they are suitable for conservative investors or those nearing retirement. In contrast, <strong data-start="4878" data-end="4902">peer-to-peer lending platforms connect borrowers with individual lenders and offer potentially higher returns in exchange for higher risk. <strong data-start="5021" data-end="5059">Systematic Investment Plans (SIPs) in mutual funds, Investment ideas especially in countries like India, have become a disciplined and efficient way to build wealth over time with modest monthly contributions.