[siddharthgoel88]

I personally keep it as FD ( https://en.wikipedia.org/wiki/Fixed_deposit ) in different reputed banks. Might sound a bit extreme to divide money into multiple banks but during mid of 2020 in India one of the major banks had stopped its customers from withdrawl of money for period of time (https://www.businesstoday.in/industry/banks/story/yes-bank-c...). 2020 was already an year of crisis and such kind of limitation by the banks had created a lot of problems for the people.

Stocks are not a good option obviously. Current situation is a testament of that. We can see the situation in Russia now where the stock market itself is shutdown (obviously these are exceptional circumstances) but people loose total control over their investments for unknown period of time.