A good portfolio is considered to include both secure and unsecured platforms. By diversifying the portfolio, you can minimize the risk. Nowadays, the fear of the Trump tariff has created turmoil in foreign stock markets including India.

Meanwhile, on Wednesday, Trump announced to stop the tariff for 90 days. A positive effect of which has been seen in foreign stock markets. It is estimated that it can have a positive effect on the Indian stock market tomorrow.

It is common for the stock market to be in turmoil due to different news. But if you are worried about it and want to reduce the risk, then you can apply the schemes mentioned below.

We have included post office schemes like PPF, and time deposit schemes in this. Along with this, mutual funds, ELSS funds, and bank FDs have also been added.

These are the 5 risk-reducing schemes.

1. Public Provident Fund
PPF i.e. Public Provident Fund is very popular among investors. In this, you get 7.1 percent return annually. At the same time, you also get the benefit of compounding. In this scheme, you can invest a minimum of Rs 500 and a maximum of Rs 1,50,000. This investment amount is given according to the financial year.

2. National Saving Time Deposit Scheme
Many schemes are offered by the Post Office Scheme. One of these is the Time Deposit Scheme. If you are looking for a safe scheme, then this can be a great option. This scheme can be started by investing a minimum of Rs 1000.

In this scheme, interest is given every year. However, interest is calculated every quarter. At the same time, you can invest in this scheme from 1 year to 5 years. The highest return in this scheme is 7.5 percent.

3. Bank FD
Bank FD is an excellent option in terms of a safe platform. In this, you get a return of 7 to 8 percent. At the same time, there is no effect of the fluctuations in the stock market. The return received in FD depends on your bank and the fixed period.

4. Mutual Fund
The minimum estimated return in mutual funds is 12 percent. However, this return depends on the fluctuations in the market. You can reduce the risk by investing in debt and ETF or mutual funds. At the same time, hybrid funds can be included in the portfolio. Except for ETF, all the funds mentioned have an indirect effect on the stock market.

5. ELSS Fund
It is called an equity-linked saving scheme. This scheme is popular due to tax savings. The lock-in period in this scheme is 3 years. Investment is made in equity under ELSS. Due to this the risk is also high in it. Therefore, it has been included because it gives the benefit of tax saving. If you want, you can include it in the portfolio.

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