Investment opinion: suggestions for instruments for fixed/assured return due to falling FD rates
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As we all are aware RBI is continuously reducing repo rate which results in reduction of fixed deposits interest rates as low as 5.1% per year on 1 year deposit …. If you have suggestions for better investment prospects please share with details….
Can suggest liquid or debt fund during this critical situation or if any bank offer you good intreast keep less than 5 lakhs in savings like kotak Mahindra
Can tell you a good plan place that money in Liquid Fund and use Systematic Withdrawal plan to fetch money from it every month which is intrest.
Now send this intrest to SIP at this volatile market.
It wud benefit you later.
There is 1 more suggestion increase liquids fund amount in a year this will increase intrest and your SIP installment Increase in SIP installment, this volatile market and long term compound effect are favourable to your money like favourable climatic conditions to crops. Help you grow better and also your hard earned money is safe.
Do DM me for more details I can explain everything on phone call if you need
investors do comment I too want to learn from you people.
Please mention atleast one scheme/fund which is best in your opinion here in this thread so that everyone can understand it…
depends on how much risk you can take there are many options. I invest in ncds of good companies. but thats not as safe as fds.
Can you list such companies and returns amount?
A NEW TAG LINE IS FLOATING IN THE MARKET
" Live With It " (diminishing returns)
Jokes apart I too am concerned
I came to know about 7.75% taxable bonds by govt of India yesterday which was withdrawn today… More details can be seen below:
https://www.google.com/amp/s/m.economictimes.co...
These bonds gives fixed return of 1703 on investment of 1000 after 7 years…. This was the best investment option considering current market conditions… It was advertised less… I don’t know why… I also miss the chance to invest in it…
now GOI has also stopped the 2018 RBI bonds of 7.75% pa
Go for liquid or arbitrage fund. 6-8% return on avg. Choose any reputed fund house and start investing. You can get more details online.
Experts, how is Gilt funds? They invest in govt bonds. Are they able to give at least a stable gain of 8%+ ?
Paytm bank fd 7 % for 1 year
DCB, IDFC gives more.
It’s better to put money in banks where fd is covered with insurance up to 5 lakh.
Paytm is also a bank… where your money cover insurance upto 5lac..
There is no return when there is no risk, the fd, bonds etc। Gives only the inflation as interest.
Take a bit risk and invest wisely.
Now a days SIP is not good since several companies are getting affected.
Use brain and start behaving like short term investor rather long term one. There is no future guaranteed now.
Pm if want personal advice on this.
Also, this isn’t ryt area to discuss. @mj911 pls chek. @bumblefoot
Do whatever u want but guys dnt go for fd in paytm/ airtel
Just avoid all payment banks
They slowly blocking most of d accs with high balance
Yes seen complaints in twitter high value accounts locked
60% put normal fd with good bank,40% do sip in good mutual funds…end of 3 year u will be standing around 9-11% per year return…remember I said SIP in MF not lumpsum
If ur 9-11% annually is expected return then give me ur any amount and take back 11.5% after 1 year man, our last financial year’s return was 23% on stocks.
This is just a suggestion… Risk is yours.
Your investment timelines matter.
If its a year… Then investment in stocks that necessarily will be high or stable during these periods – companies that are positively affected by corona (pharma, technology) or companies that are going to be minimally affected (like fmcg, or over-the-air entertainment) – - if you can’t choose stocks, choose sectors and invest in mf in that sector.
You can try a bit in gold too – although it’s reaching all time highs.
If your timelines are 2 years or more, then the entire share market is a great investment opportunity – most stocks are like on a 50% sale! Just be sure to choose companies that will last this crisis, has good fundamentals to ensure they won’t go kaput.
What has gone down today, will come up.
Lastly, if u just want marginal higher interest in low risk fixed deposits… Try nbfcs or new banks like indusind or idfc… They have interest rates from 7-8%
This is just a suggestion… Risk is yours.
Your investment timelines matter.
If its a year… Then investment in stocks that necessarily will be high or stable during these periods – companies that are positively affected by corona (pharma, technology) or companies that are going to be minimally affected (like fmcg, or over-the-air entertainment) – - if you can’t choose stocks, choose sectors and invest in mf in that sector.
You can try a bit in gold too – although it’s reaching all time highs.
If your timelines are 2 years or more, then the entire share market is a great investment opportunity – most stocks are like on a 50% sale! Just be sure to choose companies that will last this crisis, has good fundamentals to ensure they won’t go kaput.
What has gone down today, will come up.
Lastly, if u just want marginal higher interest in low risk fixed deposits… Try nbfcs or new banks like indusind or idfc… They have interest rates from 7-8%
We should invest in gold when it is less right? But now its high
Try bharatpe app
Induslnd bank giving 7% interest for 1 year fd.
All fds, ppfs, nps, SIPs are getting worst now, start investing in shares. Start with even 1k with wise opinion.
Please suggest some good stocks at this situation for newbies.
Try VPF (Voluntary Provident Fund) 8.65% return and EEE status
Corporate FD only with well known brand like Hdfc ltd. – 7.1%, bajaj Finance 7.5%, Mahindra finance 7.5%
Or in between Tata companies come with NCD – never miss this opportunity. Last time it came in January with 8.1% coupon rate.
RBI BOND was best option but agents didn’t advertise it much because of low commission. But those who knew had put huge money that’s why they are stopping it now…
Corporate fd are 0% protected just for info….better take 1% less n invest normal fd atlst 5 lakh safe
how are new investment option like kredx,tradecred and p2p ?
LIC HFL
LIC housing finance loans sanchay deposit offers around 7.1% .
Any Dimer who has been investing in HDFC Ltd FD’s the have various deposit schemes
any reviews on interest payment / safety etc
Recently advised one of my friends to invest in hdfc ltd fd…I think they are pretty safe.
Being parent group of hdfc group and going strong since 1980 .They are safe
invest in a good ultra short term or low
duration fund or if someone wamts to take lower risk, invest in money market fund. liquid funds will give very dismal returns in coming days when things will improve and 9 out of 10 people saying to invest in liquid funds will then run after these funds. currently bond markets have partailly stablized, most funds have thrown garbage out in house and only going for good quality bonds. suppose there is even a default by 2-3 corporates even after so much cleaning, you may still make much better returns then a liquid fund.
Please suggest a good ultra short duration fund.
Future Group FD 11%
Future groups future is not secure now lol junk credit rating
the best option in my opinion is PPF acocunt which is giving tax free interest of 7.1% these days and pre-tax returns could be around 9% depending upon your tax bracket. one can also invest in kisan vikas patra, national saving scheme, sukanya samriddhi yojana (girl child), senior citizen saving scheme (7.4%) , etc.
these are safe. i am not a financial advisor. check all the details specially regarding withdrawal before investing
High interest rate always comes with higher risk. You can go with liquid funds that hold majority of state or central Govt bonds. Absl liquid, icici liquid are good. See the credit quality of funds not star rating.. Arbitrage funds is also an option but they hold some amount ins small bank fds. Rarely they face default.. Also paytm indusind fd is covered with DICGC upto 5 lakh. Stay away from directly purchasing bonds and corporate fds as you will have 0 diversification. All your money will be gone in few years..
Go for Indusind bank fixed deposit 7%. Don’t invest in market related funds. It will ultimately lost.
Hi as a SEBI REG ADVISOR. I can advise/suggest lot debt instruments based on ur risk profile n affordability. If anyone want to know more can dm me. (Free)
Let me know