What are the top things to factor in, while picking an investment product? “For most investors, the deciding factor is returns,” said Nitin Vyakaranam, chief executive officer and founder, ArthaYantra, a full-service robo-advisor. While liquidity is also an important factor to consider, and yet it “is the most ignored. The next most ignored factor is the concept of risk verse return,” said Vyakaranam. Mint Money takes a look at some of the popular investment products to see how liquid they are and the cost of liquidating them.