If you have surplus amount at the end of every month, then it is better to invest that amount in some good assets so that they earn for you returns rather than allowing them to stay latent in your bank account or as cash in hand. Bank account at least fetches you a minimal interest; however, cash in hand is useless and is most vulnerable to be expended. So considering all this, it is a better option to search for some investment opportunity and derive the benefits thereby. You can plan for fixed deposits, systematic investment plans, stock investment, etc. Basically, the selection of the plan depends on the frequency of cash inflows or savings in fact.