Srinagar, April 16 -- A secondary income can cushion you against rising costs, unexpected emergencies, and help you save for long-term goals like retirement, travel, or buying a home. It's not just about making ends meet, it's about creating security and flexibility for your future.

If you begin saving and investing as early as your 20s, the magic of compounding can turn modest monthly savings into a substantial financial cushion. Saving just Rs.10,000 a month with a 10-12% annual return can build a sizeable corpus over two decades. Time is your biggest ally-start small, but start now.

In today's digital world, investment options are abundant. Go beyond traditional savings: multi-asset funds combine equities, bonds, and precious metals ...