New Delhi, May 3 -- SIPs, stocks, or fixed deposits - where to invest for maximum return with minimum risk? Here's what AI replied, which was shocking and practical.

I asked ChatGPT: "I am 22 and earn Rs.15 lakh from my job in Bengaluru. My monthly expense is Rs.40,000. I also have a student loan of Rs.20 lakh. I want to start investing. Should I choose SIPs, direct stocks, or fixed deposits based on my profile? Break it down to ensure maximum return, taking excessive risk."

AI told me that since I am in the early stage of my career, my financial goals are largely in my favour. However, I need to be careful while chasing returns, as such a combination may also backfire when I have a loan. Instead, it directed me towards a smart strategy...