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5 things to look at in an FD
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personalfn.com
Given the important role played by an FD in the risk-averse investor's portfolio, we present a 5-step strategy to help investors select the right FD.
Should you invest in Bhavishya Nirman Bonds?
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personalfn.com
Assured return schemes tend to account for a significant share of an investor's portfolio. As the name suggests, these schemes offer assured returns i.e. investors know upfront how much return they are going to earn from their investments. Therefore, there is less uncertainty i.e. lower risk associated with investing in such schemes. Notwithstanding the benefits offered by these schemes, not all assured return schemes make worthy investments.
How to ace falling FD and FMP returns
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personalfn.com
Investors would have noticed that returns on fixed maturity plans (FMPs) aren't what they used to be. Gone are the days when you could expect double-digit returns on FMPs (we are talking of the period around March 2007); presently FMPs yield a return of around 8%. It's the same story with fixed deposits (FDs) as well, with banks revising their deposit rates downwards. This has got risk-averse investors very worried and they are forced to re-evaluate their options.
3 options for FD investors
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personalfn.com
Fixed deposits (FDs) have conventionally been popular investment avenues among risk-averse investors. With the proposition of assured returns and safety of capital, FDs are right up the alley of risk-averse investors. However, FDs have their fair share of inadequacies as well.
The FD option for retirees
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personalfn.com
Investing for retirees can be a tricky proposition. Since retirees have no alternative sources of income like salary to fall back upon, ensuring that the investments provide for regular and stable income becomes pertinent. There is also a need to ensure that capital preservation is given the highest priority. Hence assured return schemes should typically occupy a larger portion of the portfolio vis-a-vis high risk-high return avenues like equities/equity-oriented funds. Given the constraints, retirees have a limited number of options to choose from.
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