Investment suggestions (40k)

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I have a fixed deposit of ~35k & bank balance of ~5k which I plan to invest in a better place. Currently I am getting returns of 7.5 to 8.3% returns.

My current thoughts are on Mutual funds (2 schemes 500₹ each) which will make my current capital to get invested for next 3 years. Any schemes or ways to invest that amount on date?

I don’t wish to go for equity as I do not have alot of interest and knowledge currently and for long term it can be risky(don’t want risk) or beneficial.

Kindly share a few suggestions and ideas, and the cheapest way to start with.

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Dealo wrote:

Indusind is giving 7 % on FD

7% – many are giving like IDFC,Equitas and IndusInd but who is giving 7.5% which OP mentioned

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Try using SWP and SIP.

Debt fund me lumsump daalke SWP krlo….aur 500 ki SIP Krlo….aur har Saal Kuch paise debt fund me daalke SIP ko constant krte rho….

#Intrest ke Paise Ko Market me daalne me risk nhi

#BilkulRiksNhiLeneKa

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BabuBhaiii wrote:

Try using SWP and SIP.

Debt fund me lumsump daalke SWP krlo….aur 500 ki SIP Krlo….aur har Saal Kuch paise debt fund me daalke SIP ko constant krte rho….

#Intrest ke Paise Ko Market me daalne me risk nhi

#BilkulRiksNhiLeneKa

Sounds good.

Sent you a message for some details.

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Krishna bhima samrudhi local area bank gives 7.8 per year in my home town it’s under rbi is it safe for fd?pls tel me any one

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Rakesh1034 wrote:

Krishna bhima samrudhi local area bank gives 7.8 per year in my home town it’s under rbi is it safe for fd?pls tel me any one

Yeah some debt funds too can give same….and your money is also not locked.

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Have you heard of Laxmi chit fund? (This type of investment depends upon market/people, please do not read scheme documents carefully)

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…Shriram Transport Finance Fixed Deposits…
1st year – 7.5%
2nd year – 7.7%
3rd year – 8.15%
4th year – 8.2%
5th year – 8.5%
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…Govt. of India floating rate saving bonds 2020 ( taxable) – 7.15%…

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still_guessing wrote:

…Govt. of India floating rate saving bonds 2020 ( taxable) – 7.15%…

Pls give link for this , I want to read more about this.

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BabuBhaiii wrote:

Try using SWP and SIP.

Debt fund me lumsump daalke SWP krlo….aur 500 ki SIP Krlo….aur har Saal Kuch paise debt fund me daalke SIP ko constant krte rho….

#Intrest ke Paise Ko Market me daalne me risk nhi

#BilkulRiksNhiLeneKa

can you share details please?

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