Learn Cryptocurrency
10 Feb 2021

How and Where Should You Invest In Current Times?

Nisha Ramesh

We are amidst one of the greatest crisis that has happened in history. With the virus spreading rapidly, the whole world is confused. While the governments and medical officials are trying to reduce the spreading, the economy is taking a hit. The situation is no different in our own lives. Nobody was ready to face a pandemic as impactful as COVID-19. 

But this is not the first time humanity is put through such challenging times. Back in 1918, a similar pandemic commonly known as the Spanish flu had stirred the globe. Studies show that a specific country’s GDP came down by almost 6% in three years. And, after the pandemic passed, the economies emerged more robust than ever before. 

So, what we are trying to say here is that everything is not as gloomy as it seems and this too shall pass. However, it is essential to keep ourselves prepared for the future. 

Be Ready For Whatever Comes

While this crisis has gotten us unclear of many things, one of the biggest questions that have been lingering in the minds of many is

‘Should I continue investing? How and where?’

Well, if you are still earning a regular income, then why not.

That being said, there are a few things which you can do to immune yourself to the economic crisis or any disaster that may happen in future. 

1. Create Emergency Funds

It is the first and essential step to take to brace yourself financially for whatever may come. Make a budget of your living expenses if you have not already done it. Keep aside the stash required to cover 3-6 months of your essentials (No, beer does not count as an essential :P) in a liquid fund. By liquid fund, we mean a savings account or anything that can be quickly converted into cash. Also, make a vow never to touch it unless it is an emergency. 

Buy Crypto With Just ₹100

2. Get Insured

Insurance is generally taken very lightly by most people. But you never know when it may come in handy. Start investing in an insurance policy that is suited to your needs.

An average person would require a simple medical and a term life insurance. If you own a business, make sure your company is insured too. This way, you can be ready to face any crisis in the future. 

3. Save Whatever and Whenever You Can

Whether you are preparing yourself for against financial crisis or not, saving is a must-develop habit. Saving money is not as hard as it sounds, tries and put away a small amount of cash whenever you can in a savings account.

Let’s say you had planned on spending ₹500 for dinner, got a considerable discount on Swiggy and ended up spending only ₹300. You could maybe put away the balance ₹200 which you were ready to spend anyway into a savings fund. Savings such as these can be put together to invest further. 

4. Invest in Alternative Assets

Any asset class that does not fall under the definition of traditional stock, bond or cash class is termed an alternate asset. Such assets provide a cover under market crisis and turndowns.

There is a big list of alternative investments available like tangible assets such as art and sculptures to financial assets such as Venture Capital, Public Equity, Gold and Cryptocurrencies. 

Investing in alternative investments can minimize your risk when the markets plummet. 

5. Diversify and Rebalance Your Portfolio

Diversification is the golden rule of investing. It means putting your money in various non-related asset classes. It helps you reduce your exposure to the risk of a single asset class. Diversification can provide more than average returns enabling you to keep a balance between your risk and returns. 

Rebalancing your portfolio also carries equal importance. It requires you to review your portfolio from time to time and make sure your investment interest aligns with the current economic situation. 

Where to Invest?

Now that we have a picture of how to invest in difficult times, let us see where you can invest. 


The yellow metal is often considered as a haven of investments. The reason being, it holds its value – or increases at times when other markets are crashing. 

When the pandemic broke, the price of gold started to rise.

On the whole, the cost of gold has increased by 30% during this year. 

If you are looking to invest in a commodity that will give good returns even when the economy is falling, gold is a good option for you. However, gold requires a high minimum investment owing to its higher cost. 


Cryptocurrencies are digital currencies like bitcoins that were introduced a decade ago. Although they are new to the market, the value of such investments has risen millionfold. Any early investor would tell you that cryptocurrencies have yielded them lakhs of rupees.

During the lockdown between March and August 2020 alone, Bitcoins alone have returned 101% returns.

Cryptocurrencies are scarce and highly valued like gold.  

CoinSwitch Kuber offers 100+ cryptocurrencies such as bitcoins, ethereum etc. for trading. You can even invest with a minimum of ₹100. 

You should, however, note that cryptocurrencies are highly volatile. Thorough research and knowledge of the market will help you take advantage of this nature.

Direct Equity

Direct equity refers to the stock or shares of a company. Though the stock markets start tumbling when there is an economic downturn in the country, it is when the stock prices are at their lowest. If you are looking to invest in stocks during the pandemic, now is the best time.

Once the economy rises, the stock market will regain its full swing. However, to gain returns from stocks, you need to sit tight and wait for the investments to yield good returns. 

Bottom Line

The options mentioned above are just the tip of the iceberg in the ocean of investments. For more ideas and opportunities, you can check out this Kuberverse’s Investing bucket.

Like we said earlier, all is not gloomy. Even if you have as little as ₹100 to spare, it is a great time to start investing to hedge yourself against uncertainties. 

On that note, we would love to see you emerge financially strong on the other side of the pandemic. 

[su_note] KuberVerse is an educational initiative. Anything expressed here directly or indirectly is not investment advice. And we ask you to do your own research before investing. [/su_note]


Disclaimer : Crypto products and NFTs are unregulated and can be highly risky. There may be no regulatory recourse for any loss from such transactions. The information provided in this post is not to be considered as investment/financial advice from CoinSwitch. Any action taken upon the information shall be at user's own risk.


Nisha Ramesh

Content Writer

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