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Here are the some of the best investment option to be consider in 2023.

Direct Equity - Direct Equity is a form of investing that allows investors to make investments in companies.

Direct equity investments are typically made in smaller companies that are not listed on any stock exchanges. This is because they are not required to file financial statements with the Securities and Exchange Commission (SEC) and they can be more risky than other investment options.

2. Mutual Funds - Mutual funds are investment funds that invest in stocks, bonds, or other securities. They are professionally managed by a portfolio manager who invests with the goal of earning returns for the fund's investors. Mutual funds offer diversification for investors and can have lower risk than an individual stock investment.

3. Fixed Deposits - Fixed deposits are a form of saving in which the depositor makes an agreement with the bank to deposit a certain amount of money for a fixed period of time. The bank pays interest on this amount, typically at a higher rate than other savings instruments.

The bank, in turn, uses that money to provide loans to people or businesses who want to borrow money. This is an attractive investment option for many because the fixed deposit is insured by the government and the interest rates are higher than other investment options such as stocks and bonds.

4. Gold ETFs - Gold ETFs are investments that track gold prices and allow investors to diversify their portfolio without taking physical possession of gold bullion or coins. Gold ETFs provide investors with exposure to gold prices without having to buy physical gold.

In a time when the markets are volatile and the market returns are unpredictable, it is important to have an investment portfolio that can withstand any market conditions. There are several types of investment portfolios and each one has its own advantages and disadvantages.

Income portfolio. This type of portfolio emphasises more on securing a steady flow of income from investment avenues. It also ensures that you don’t move into risky investments such as stocks, bonds or funds without having a clear exit strategy in mind.

Growth portfolio. A growth-oriented portfolio mostly parks money into growth stocks of a company who are in their active growth stage. These kinds of shares give you the opportunity to participate in the growth of the company as well as get higher returns on your investment compared to other companies with similar valuations but less growth potentials.

Debt consolidation is the process of paying off multiple debts with a new loan or balance transfer credit card—often at a lower interest rate.

The process of consolidating debt with a personal loan involves using the proceeds to pay off each individual loan. While some lenders offer specialized debt consolidation loans, you can use most standard personal loans for debt consolidation. Likewise, some lenders pay off loans on behalf of the borrower, while others disburse the proceeds so the borrower can make the payments themselves.

Debt consolidation can help you achieve financial stability and reduce your overall debt burden. It's also an effective way to improve your credit score, which may help you qualify for other financial products such as home equity loans or car loans in the future.