after a volatile year for stock markets unexpectedly great returns from gold and property and tepid returns from debt instruments investors are filled with cautious optimism about the new year et wealth reached out to experts to know what investors should do in 2023 to get the most bang out of their bucks heres what they have to say rising interest rates have made fixed income investment attractive and some experts believe that the best returns in 2023 will come from debt rather than equity interest rates are expected to peak in the first or second quarter and then start easing when that happens debt funds could deliver high singledigit returns experts say this is the time to grab this opportunityalso read 5 habits to adopt in 2023 to make your money growat the same time the mid and small cap stocks corrected sharply in 2022 and are now trading at attractive valuations investors with an appetite for risk should consider entering these segments now the past year also saw a spike in lending rates home loan rates which were at 67 at the beginning of 2022 ended the year at 865 this means home loan terms would have been extended by several months if you have surplus cash experts say prepaying loans is the best way to use itit is also a good idea to fortify yourself against unexpected situations the resurgence in covid cases means one should have enough health insurance cover to avoid a repeat of 2021 when people spent their life savings to save lives similarly job losses have become very common this is why experts advise creation of new income streams to supplement the core income from job or business we hope you find the 10 smart moves useful in the new year wishing you good health prosperity and safety in 2023performance scorecard 2022how investments fared during the yearequities gave insipid returns debt returns were also muted but gold shone in 2022 while real estate soaredprice appreciation in key micromarkets in these cities since 2019 prepay home loan if holding surplus cashif a penny saved is a penny earned borrowers stand to earn 859 returns on the amount they prepaythe flurry of repo rate hikes have pushed up home loan rates from 67 in april to 865 now if rates dont come down someone who took a 20year home loan at the beginning of 2022 at 67 will have to pay about 149 additional emis see graphic analysts expect things to get worse before they get better though inflation is down it is still above the comfort level of the rbi it may hike rates by another 25 basis points by march 2023 if this happens home loan rates could touch 9 when rates go up extending the tenure is the default response of lenders but that is not possible if the tenure extends beyond the working years of the borrower the borrower then has two options either increase the emi or pay