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Investment options- thinking beyond the obvious

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Investment options- thinking beyond the obvious

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  1. Fixed Deposit

  2. Investment options- thinking beyond the obvious

  3. When it comes to investment options, most savers default towards bank FDs. Outside of gold and real estate, FDs remain most favored. • Barring the fact that they are simple and safe, they do not have much else on offer. • In a falling interest rate scenario and sticky inflation, FDs are not viable. Besides, from a tax perspective too, FDs turn out to be sub-optimal. • For example, for the highest income tax bracket, post-tax real returns on an FD would be just 4-5 %. So what are the other investment avenues available to the retail investor?

  4. Physical Assets While Real Estate and Gold have been popular since time immemorial, they are losing their sheen due to restrictions on holdings, low viability and poor liquidity. • Commodity investments are a more recent phenomenon aided by the spread of financial derivative products listed on multi-commodity exchanges • Fixed deposit income Various alternatives to FDs exist on the fixed income side. • Small Savings Schemes (SSS) consist of PPF, Post Office Savings, National Savings Certificate, and other schemes specific to girl child, senior citizens, etc.

  5. Debt Mutual Funds invest their corpus in slightly longer term corporate bonds, which exposes them to credit and liquidity risk and returns are subject to significant volatility. • Liquid Mutual Funds invest in shorter duration securities that are not subject to as much volatility but are subject to moderate levels of credit risk. • Fixed Maturity Plans (FMPs) invest in bonds, securities, deposits of corporates for a fixed duration and pay out the proceeds to the investor at the end of that duration. • Indian markets have evolved considerably post-liberalization and so have options for investors. • https://www.tomorrowmakers.com/articles/financial-planning/investment-options-thinking-beyond-the-obvious

  6. Click to know more on Fixed Deposit: http://www.idbi.com/idbi-bank-Freedom-deposit.asp Thank You

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