New Delhi, July 4 -- The investment landscape in the country has seen a remarkable transformation in the last two decades. Investors now have access to a wide range of financial products-from bank fixed deposits (FDs), mutual funds (MFs), stocks, exchange-traded funds (ETFs), and sovereign gold bonds to REITs (Real Estate Investment Trusts), NPS (National Pension Scheme), and other market-linked investment avenues.

Digital platforms have further democratised investing, allowing anyone with a smartphone to start their wealth creation journey in just a few taps. With a plethora of investment options, investors can make decisions based purely on social media trends, recent market performance and word-of-mouth recommendations without alignin...