How Young India is Investing Their Money for the Long Term?
29 April 2025 ¡ Sachin Gadekar
From FDs to Fractional Ownership: India's Millennials and Gen Z are Redefining Long-Term Wealth Creation

Introduction
India is experiencing a financial awakening. No longer confined to gold and fixed deposits, young Indiansâespecially millennials and Gen Zâare taking a proactive, diversified approach to wealth creation. With rising disposable incomes, increased financial literacy, and access to a range of digital investment platforms like GetUltra.club, long-term investing is no longer a buzzword; itâs a lifestyle.
Letâs explore how young India is investing for the long haul and the new-age alternatives they're exploring beyond traditional routes.
đ The Shift from Saving to Strategic Investing
Traditionally, Indian households focused heavily on saving, with instruments like recurring deposits, life insurance, and gold dominating the mix. But the mindset is shifting.
Todayâs investors are:
Tech-savvy: Using mobile apps and robo-advisors to manage portfolios
Goal-oriented: Saving with purposeâretirement, home, education, or travel.
Open to risk: Willing to try asset classes like equities, REITs, and digital assets.
đ Key Long-Term Investment Options Young India is Exploring
1. Fixed Deposits (FDs): The Old is Still Gold
FDs remain popular due to guaranteed returns and low risk.
Why it's still preferred:
Stable returns, especially in a rising interest rate environment.
Ideal for conservative investors building an emergency fund or short-term corpus.
Pro Tip: Use laddering strategies to optimize returns across different tenures.
2. Fixed Income Investments: The Safe-Yet-Modern Option
Fixed-income products like corporate bonds, government securities, and debentures are finding favor.
Why it's growing:
Higher returns than traditional FDs.
Rated instruments ensure risk transparency.
Available digitally via platforms like GetUltra.club.
3. Invoice Discounting: Returns Backed by Real Business Invoices
Invoice discounting allows retail investors to invest in a companyâs unpaid invoices and earn returns when the invoice is cleared.
Benefits:
Short-term cycles (30-90 days).
Predictable returns.
Backed by actual B2B tradeâoffering a layer of trust.
4. Asset Leasing: Earning from Business Equipment
Asset leasing involves investing in physical assets (like medical equipment, EVs, or machinery) and earning monthly returns from their commercial use.
Why it's attractive:
Monthly cash flows.
Physical asset backing.
Suitable for HNIs and mid-income investors seeking diversification.
5. Fractional Ownership: Democratising Large Asset Classes
Whether itâs commercial real estate, high-value bonds, or luxury assetsâfractional investing lets young investors own a "fraction" of high-ticket assets.
Highlights:
Lower entry barrier (âš10,000ââš50,000).
Diversification across geographies and asset types.
Ideal for long-term wealth building.
6. Wealth Management Platforms: One App, Many Assets
Digital-first wealth management platforms are helping users:
Track goals (retirement, home buying, etc.)
Invest across asset classes with a single interface.
Get curated, risk-adjusted investment suggestions.
Platforms like GetUltra.club are pioneering this unified approach.
đ Emerging Trends Among Young Indian Investors in 2025
Trend | Description |
---|---|
Micro-investing | Starting small with SIPs or fractional shares. |
Goal-based investing | Tying investments to life milestones. |
Sustainable investing | Preference for ESG-compliant companies and funds. |
Community-driven investing | Taking cues from finance creators and peer groups. |
đ Why Diversification is the New Mantra
No single asset class can guarantee long-term wealth creation. Todayâs young investors are hedging their bets across:
Equities for high growth
Bonds for stability
Alternative assets for diversification
Diversification not only reduces risk but also helps balance out market volatilityâsomething that Gen Z and millennials have become increasingly sensitive to.
đĄ Expert Take: Why the Future is Digital + Diversified
âYoung India is no longer asking âWhere should I invest?â but âHow can I make my money work smarter?â Thatâs where options like fractional bonds, invoice financing, and digital leasing step in. They combine access with agility.â
đ Risks to Be Aware Of
While long-term investing has clear upsides, young investors must watch out for:
Overexposure to risky startups or crypto
Following unverified âfinfluencersâ
Ignoring insurance or emergency funds in favor of high-return assets
Investing without understanding liquidity timelines
đ§ Roadmap for Young Investors: How to Begin?
Set financial goals: Know your 5-year and 10-year goals.
Build an emergency fund: Cover at least 6 months of expenses.
Diversify: Don't go all-in on one instrument or asset class.
Use platforms like GetUltra.club: They provide easy access to vetted, digital investment opportunities across categories.
Stay consistent: Long-term investing is a marathon, not a sprint.
đ Sample Portfolio Strategy for a 25-Year-Old
Asset Class | Allocation | Investment Type |
---|---|---|
Fixed Deposits | 10% | Safety net |
Fixed Income Bonds | 25% | Steady returns |
Equity Mutual Funds | 30% | Growth |
Asset Leasing | 15% | Monthly cash flow |
Invoice Discounting | 10% | Short-term liquidity |
Fractional Ownership | 10% | Long-term wealth |
đ FAQs
Q1. Is it safe to invest in digital asset platforms?
Yes, as long as the platform is SEBI-compliant, provides due diligence reports, and allows you to assess risks transparentlyâlike GetUltra.club.
Q2. Whatâs the ideal investment horizon for a 25-year-old?
At least 7â10 years. Start early, invest consistently, and allow compounding to do the heavy lifting.
Q3. Are bonds better than FDs for young investors?
Bonds generally offer better returns and liquidity than FDs. However, risk varies based on the bond type, so diversification is key.
Q4. Can I invest small amounts in asset leasing?
Yes, many digital platforms allow leasing participation starting from as low as âš10,000.
Q5. What are the tax implications of these investments?
Returns from digital investments are taxable as per your income bracket. Some options (like select bonds) may offer tax advantages.
đ Conclusion
Young India is investing smarter, not just harder. With access to digital-first platforms and a growing appetite for alternative, fixed income, and diversified investments, this generation is building wealth in a fundamentally differentâand arguably betterâway than the generations before.
If youâre ready to explore the world of bonds, asset leasing, and more, GetUltra.club offers the perfect launchpad.