I love the idea of making your money work for you. Mutual funds are one way to be certain and with small amounts they are my preferred way. I'm curious if ETF's are available on your stock exchange? Also curious what the minimum amounts and trading fees.

In Canada mutual funds have high MER (management expense ratio's) which can sap earnings. ETF's have lower MER but are traded on the stock exchange so fees can add up. Individual stocks are great but they require considerable knowledge to trade effectively and purchasing at the right time can be an art form.

As for earning on chain

while the last part into hive investments such as delegations, DaPPs, and other investment instruments on Hive

dApps can be awesome but typically need capital to start. Splinterlands is well known and a way I got my start but N14,000 to get going (or it used to be). Delegations are a good way to start but the rewards when your HP is small can be small to non-existent. HBD is great with the 15%% staking return but (a) you only get it monthly and (b) it immediately gets staked when you get it.

Two tokens I personally like are EDSI. Hold the coin (typical value 1 HIVE) and get a regular weekly payout :

Doing the math that is 17.5%. I'm really happy with numbers like that. Just remember that HIVE goes up and down so better if you are ok with volatility.

Another one I really like is $SURGE

Again doing the math I'm getting an 18% return on my surge tokens. However the return is in HBD which is a stablecoin so less yoyo effect :)

The nice thing about holding EDSI or SURGE is you do nothing other than hold the coin and get LIQUID Hive or HBD which immediately frees up your rewards to transfer to real world to buy more of your preferred mutual fund :)

But so many different options.