Fixed deposit comes first to the mind, when we are talking about reliable and safe investment options. In India, fixed deposits have been a favorite of the investors due to reliability of the return and the fact that it can be easily opened in any bank or post office and provides better returns than savings account. In this post, we have a look at fixed deposit interest rates in various banks across India
It is no longer a secret that investing in equities over a long term gives the best performance across all the asset classes. However, the risk of investing in the stock market increases two fold when you invest directly. It requires a thorough understanding of tools and technique, fundamental research and analysis, understanding of market trend, forecasting etc. It becomes very difficult for an average investor to
PPF (Public provident fund) holds an iconic status as far as saving/investment options are concerned but in recent years interest rates on PPF investments have been declining steadily latest interest rates on PPF is 7.9 % for Q1 2017-2018. Interest rates on PPF now trail yields on government securities and hence will always stay in line with interest rates on other saving rates in market.
The graph below shows how interest rates have moved for your
Gilt Funds in India: Meaning, Advantages and Disadvantages
Gilt Funds are the category of mutual which plant it’s all money in the government-affiliated securities. So the basic attribute attached to the Gilt funds is that they purely under the shadow of government bonds which makes it virtually risk-free. Accordingly, they are mainly for the hesitant and traditionalist investors who always seem to be suspecting the stock market
Equity Linked Savings Scheme (ELSS)
Equity Linked Savings Scheme (ELSS) is an open-ended equity mutual fund plan. Explaining ELSS in simple words would be that it is an investment alternative in the equity market which has its mainstream of the corpus invested in the Equity block in its portfolio. At the outset, ELSS is a category of Mutual Fund, especially recommended to the new-bee investors of the stock market who
Equity Link Savings Scheme is a kind of equity mutual fund that qualifies for tax exemption under section 80C of Income Tax. This post discusses various ELSS options that investors have for investing.
- ELSS has the lock-in period of 3 years which is lowest among other options available like PPF or tax saving fixed deposit or national saving certificate.
- The returns in ELSS is comparatively higher as compared to other tax
Post Office Monthly Income Scheme (POMIS) is an investment option that ensures that the investor would receive guaranteed monthly payment based on the investment amount made. MIS is said to be one of the safest options to invest funds.
The prominent features of every MIS are:
- Under the MIS scheme the capital invested remains intact with no risk attached for non-return.
- Under MIS scheme the investor is to receive ensured amount of monthly return.
- The return rates are comparatively
Debt funds are managed by professionals that invest in high rated fixed income earning investments like State or Central government bonds, RBI bonds, various corporate deposits, money market instruments etc. It is an investment pool like mutual fund or exchange traded fund. People like you and me with an excess amount of money lying with us and wants to earn better returns than normal bank FD and
Equity link schemes are mutual fund schemes that qualify for tax saving investment under the limit of Rs.1.5 Lakh under section 80 C of Income tax and is considered as one of the best ways to utilise their investment limit by not only saving tax but also through achieving their financial goals. This blog looks into ELSS lock in period for the
Risk is the main quotient in Investment World. A favorable risk-reward balance attracts most of the investment from the public. As investing in large cap, Midcap, small cap, multi-cap has different degrees of risk involved in it, people tend to give a second thought before investing. Investing in Balanced funds reduces the risk of downside to the fund to some extent as it has a good composition of Fixed income securities and equity. The fund’s