Posts in Category: fixed deposits


Fixed Deposits: All you need to know

A fixed deposit is one such financial instrument which will help you deposit a sum with a bank for a predetermined period of time and the bank pays an interest on that sum. In essence, it’s a way of lending money to a bank, the opposite of taking a loan. These are sometimes even referred to as bonds or term deposits.

A fixed deposit is one of the primary sources of

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Liquid funds versus Savings accounts

One of the important questions i typically get when I advise our customers on financial planning is should I move my money from savings account to Liquid funds, this blog post attempts to answer this question, before we answer this question lets try to understand why do people keep money in savings account , for me there are 3 reasons

  1. To ensure liquidity , so that money can be used whenever required.
  2.  Get some returns as money

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5 Reasons you should not invest in Fixed Deposits

Fixed Deposit

Fixed Deposits or their close cousin RD’s ( Recuring deposits) are the most popular saving instrument in India.According to RBI,Indians invested approximately Rs 6800 Billion in fixed or bank deposits that means more than 55 %  household savings are invested in Bank deposits.

While Fixed deposits are popular because of risk-free nature of the asset and

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