3 REASONS WHY YOU SHOULD AVOID FD

1. Reasons of Why you Should AVIOD Fixed Deposits #4

2. Fixed Deposit • Fixed deposit (FD) is a financial instrument issued by banks or corporates which provides investors or deposit holders , with a Fixed rate of return. • FDs are generally considered to be safest investment • The rate of interest in India is currently in the range of 8-9.5%.

3. # 1 Reason Returns Last 5 Year Returns 35.0% 32.5% 30.0% 27.4% 24.6% 25.0% 18.7% 20.0% As seen from the graph, returns on comparativelyLower than 15.0% 8.6% 9.5% 8.7% 8.7% 8.8% 9.5% 8.5% 8.5% 9.0% 9.0% 7.8% FDs are 10.0% 6.0% 4.8% 5.0% 0.0% -5.0% -3.7% -10.0% -10.1% -10.4% • Shares • Gold -15.0% Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Sensex Gold FD PPF * Return as on 26 June 2015. Source AdviseSure Research

4. # 2 Reason Tax Banks deduct TDS of 10% on interest income if the interest is greater than Rs.10,000 per year Shares Tax free if Sold after 1 year. 15% tax in case sold within 1 year of Purchase Equity Mutual Funds Tax free if Sold after 1 year. 15% tax in case sold within 1 year of Purchase Debt Mutual Funds 10% Tax if Sold after 3 years. If Sold within 3 years then as per Tax Slab of Investor Fixed Deposit Tax on Interest as per Tax Slab of Investor Bonds Tax on Interest as per Normal Income Slab For Detailed Analysis refer our Taxation page

5. # 3 Reason Inflation Inflation vs Sensex vs FD 30% 25% Present rate of inflation is 6%. 25% 20% 19% delivered 11.9% • BSE Annual Return in past 5 years Sensex has 15% 12% 11% 9% 9% 10% 6% 8% 5% 9% • Comparatively returns on FD after adjusting for inflation is~2% which is very low 0% 2010 2011 2012 2013 2014 -5% -10% -10% -15% As you can see in Chart , Shares provide an excellent protection against inflation and are very beneficial in the long run Source: AdviseSure Research Inflation Sensex * Return as on 26 June 2015. Source AdviseSure Research

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