Investment refers to purchasing products and services for future gains of an individual, a family unit, or an institution. Though these products and services are not purchased for immediate consumption, they have the potential to create higher future returns for the investor.

There are various types of products and services available in the financial market to benefit from the capital investments. Some of the products and services that can be used as an instrument for getting personal financial returns are: bank products, bonds, stocks, investment funds, annuities, educational investments, insurance, retirement plans, and so on. By adopting a wise investment strategy and by adopting a diversified investment portfolio, the returns can be maximized and the financial goals can be achieved for both long-term and short-term tenure.