An Annual Household Income of a family less than 90 Thousand INR in India is considered as Poor Class. Income Between 90–2 lacs per annum is in the Low income Group or Class. Between 2–5 lacs per annum is considered in the Middle Income Group. Between 5–10 lacs you are in the Upper Income Group Category. Middle income investor’s major choices of Investment: The middle income investor will be always having priority towards keeping the money as a cash and some will want to spend them on their needs but they also think about investing the money into many other wise investment plan. They also prioritise their money on the basis of their situation such as emergency, insurance, child’s higher educations etc. Their Investment avenues are as follows: 1. Recurring Deposit : Very reliable source for building fund for emergency (Immediate action) 2. 2. Endowment Plan: Best plan which can give both returns and life insurance. But endowment plan is non linked with life insurance plan that offers the two- fold benefit of insurance and investment 3. Child Plan: This mainly focuses on the child’s higher education and other needs. Major future expenses such as Education and marriage . This plan can be also used as collateral loans for the Childs benefit. 4. Index fund: Best investment plan to the retirement life of the investors. The first best example is mutual fund. The index fund also include different types of companies. 5.SIP in Diversified Equity Mutual Fund: This investment plan help>