https://www.desidime.com/discussions/is-investing-in-bank-fds-a-good-idea?page=1#post_9179529
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Is investing in bank FDs a good idea?
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I saw that AU bank is offering 8% FD interest rate on 36 months FD. Do you guys think it's a nice investment?
What are some other ways you would invest money, for eg an amount of 3 Lakh?
What are some other ways you would invest money, for eg an amount of 3 Lakh?
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https://www.desidime.com/discussions/is-investing-in-bank-fds-a-good-idea?page=1#post_9179542
FD is safe , more gain / more risk / more chances of loss .
https://www.desidime.com/discussions/is-investing-in-bank-fds-a-good-idea?page=1#post_9179912
Inflation, so buy gold or land. FD is useless, until you want constant income source at very low profit.
Also Tax for annual interest more than 40k depending on TAX slab either 10% or 30%.
https://www.desidime.com/discussions/is-investing-in-bank-fds-a-good-idea?page=1#post_9179969
Even if interest is not more than 40k and TDS is not deducted by bank. you still have to pay the tax 
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https://www.desidime.com/discussions/is-investing-in-bank-fds-a-good-idea?page=1#post_9180043
Think of all your assets (incl cash) as a portfolio. You must diversify your allocation/investments from safety & returns perspective.
Putting all money in FD - safe but low returns
Putting all money in other assets - risky but higher returns
So, use a mix of the assets you want to (& can) invest in.
FD - safe, fixed income no matter what happens to the market.
Gold - historically have been good, but no assurance of returns in future, however since demand & consumption is still increasing, decent returns are expected.
Real estate (residential) - historically have been good, but future seems to be slightly weak. For e.g. the kind of returns people made from 2000 to 2010 (10Y) or 2000 to 2020 (20Y), it is unlikely to get same returns in the next 10Y or 20Y period from now - millenials dont buy houses, so accelerated demand is getting weaker.
https://www.desidime.com/discussions/is-investing-in-bank-fds-a-good-idea?page=1#post_9180068
36 Months Locking Is Not A Good Idea I Think Because Fd Rates May Increase/Decrease Next Year...
If Increased U May Cry 
, If Decreased U May Laugh
I Am Crying Because Last Year Took A Secured Card With 3 Years Locking Period... This Year Fd Prices Increased... My Heart Told 1 Year Lock , But I Did Not Listened
https://www.desidime.com/discussions/is-investing-in-bank-fds-a-good-idea?page=1#post_9180173
I would suggest buy gold. Then give it to a big jwellers for 5% dividend per year.
This way you can earn 10% discount+ 5% dividend + 8% gold appreciation in first year.
Second year onwards you can earn 13%
No tax as you are dealing in cash .
https://www.desidime.com/discussions/is-investing-in-bank-fds-a-good-idea?page=1#post_9180179
Which jewellers offers this dividends kind of stuff?
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https://www.desidime.com/discussions/is-investing-in-bank-fds-a-good-idea?page=1#post_9181201
invest in gold in dollars will beat fd any day
https://www.desidime.com/discussions/is-investing-in-bank-fds-a-good-idea?page=1#post_9181475
Invest in gold means to buy physical gold or digital. ?
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