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For those earning ₹25,000, old schemes like SIPs and FDs no longer offer significant returns, so it's wise to invest in modern, high-demand skill courses.

If your salary is ₹25,000 and you think you can build a substantial corpus simply by investing in SIPs or FDs, this could be a losing proposition.

Inflation is so high these days that even FD interest doesn't significantly help you grow your savings. In such a situation, there's a need for smart investments that can grow your money and your earnings. Importantly, this benefit can be achieved not just through investment but also through learning new skills.

Often, people with low salaries think they don't have many investment options, so they stick to traditional methods like FDs, RDs, or standard SIPs.

But in the year 2025, this approach is proving to be quite slow. If you're between 20 and 35 years old, this is the best time to accelerate your career and income. And this is only possible if you invest a portion of your earnings on yourself, i.e., your skills.

These days, it's the era of technology, and companies need people who know new skills like artificial intelligence (AI), data analytics, cybersecurity, digital marketing, cloud computing, or UI/UX.

The good news is that learning these skills doesn't require a huge expense. These courses are available on many online platforms for ₹3,000 to ₹10,000.

They can be completed in three to six months. Once you've learned these skills, your salary can jump from ₹25,000 to ₹40,000 to ₹70,000. This means returns are many times faster than SIPs or fixed deposits.