G. L. . Malviya and A. . Soni, “A Comparative Study on Risk and Return Analysis of Investment Avenues: Property, Gold, Shares, FDs, Post Office Schemes, and Mutual Funds”, IJISEM, vol. 4, no. 3, pp. 16–23, Jul. 2025, doi: 10.69968/ijisem.2025v4i316-23.