By Kamal K Sharma Ayushmaan Bhav!!!! This is most cherished blessing that we all look forward to get from everyone around us, sole purpose of mankind is to spend maximum time on this beautiful planet, mother earth. Calculation is very simple more the age, more the money we need to cope us with Life requirements. On one side we want to live really long but when it comes to planning for living long, its human tendency we become very short sighted, we start living for the day and spend like there will be no tomorrow. When it comes to choosing Investment options, we stick to Saving Instruments. Saving & Investing are two words that sound alike and look the same but certainly they are not. They are like two tracks of a railway line, they look the same, travel together & both are incomplete without each other but have their individual roles to play to make the train run smooth. Even an inch of difference can cause an accident. Saving is a fundamental right of most creatures, ants save for their rainy days, monkey’s store their food in cheek pouches and human the most advanced creature of god also indulges into saving for future goals. But, times have changed, only saving is not sufficient, one needs to clearly understand the difference in Saving & Investing. Once understood well, then one should make his choice to choose investing options with utmost intelligence and with the help of experts. Steam Engine, Diesel Engine, Electric Engine and now Hydrogen Engine are all there to pull the train but all come with different performance standards. Same way there are Banking Instruments, Post Office Instruments, PF Instruments, Insurance Instruments, Equity Instruments and so on. People normally take lot of time to decide, should they should