Hi
i am shivona, i am 26 yrs and earning 16000/- per month, till now i dint ever bothered for savings and investments, i also dont have a EPF account , and any savings with me , i do more spending then savings, but now i am planning for a long term savings with good returns (no risk taking) and also if i can do some small short term investments which can give me some yearly returns ….is there any such options available for me ???