Gilt Funds vs Debt Funds reviews the difference, performance and investment methodology of both types of types. Gilt Funds and Debt funds are two important investment vehicles for risk averse people.
Gilt Funds are the class of mutual funds which invest all its money in government securities for medium to long term period. The fund is most suited for risk-averse investors who are not comfortable with investment risk in stocks. Gilt funds are almost risk-free investment
Debt funds are an investment pool that invests mainly in highly rated fixed income securities like central and state government securities, corporate deposits, treasury bills, corporate bonds. These funds are managed by highly skilled professional. The overall expense ratio is lower in debt fund as compared to the equity fund, main reason for it is overall management cost is lower. There is a lock-in period for several debt funds
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
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
Taxation treatment is an important aspect of investment in Debt Funds. This post discusses about Debt Funds Taxation in detail
Everyone would like to earn more and more income and want to achieve their financial goals in life. With the increase in income, the income tax burden also increases. The higher the income, higher is the tax rate. People want to minimise the tax liability in legal ways so as to have more of
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
Debt funds are mutual funds managed by professionals with their money invested in high-rated securities. Just like you lend money to the bank through fixed deposit or while purchasing the bond, a certificate is issued by the borrower. Debt funds also work on the similar concept. We will explore how debt funds work in detail in this post.
Small investors invest their money with
There is always a dilemma when you have surplus money. Whether to invest a lump-sum amount in bank fixed deposit or to some other instrument that gives more return than FD with the same amount of risk. This post will cover Debt Fund vs Fixed deposit in detail and hopefully, help you understand caveats of the same.
In India, fixed deposits are considered
Everyone wants to make the best use of their money. However, as financial industry evolved, lot of financial products have emerged making it difficult for investors to chose suitable products which can help them meet their financial goals and build a sustainable long term financial portfolio.
This blog tries to present the best investment options for