Hi, Thanks for giving such helpful details. I already have a PPF account. I think maximum people in India do have a PPF account. It is the most common investment and tax saving option. So, I also opened one. Now, I have a decent income, so looking for some other investing ideas. I can take moderate risk only. Is SIP a good way to invest my excess funds? Can anyone who has invested, let me know a bit more about it? Some feedback on it is much appreciated.