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Need to invest 30 Lakhs. Is Debt market good ?

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PshycoKiLLeR

I need to invest 30 Lakhs as i am having it idle in my saving account. It is giving only 4 Percent annually. I don’t want to invest it in Equity as its risky also don’t want to invest in mutual fund as the market is at top. An agent told me to invest in Debt market and assuring me 7% returns without any risk. Can anyone share their expertise. Which kind of debt fund should be picked for almost no risk and higher returns for a short span of time.

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Deal Subedar Deal Subedar
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You can mention, minimum and maximum period of your investment

Deal Subedar Deal Subedar
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I think Debt funds attracts more tax…

Expecting Mkt will remain bullish for couple of years.. Bt its risky

Gold also high

So U may consider property

Or divide among all asset as per ur risk appetite n tenure of investment

Deal Cadet Deal Cadet
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B3A5T wrote:

You can mention, minimum and maximum period of your investment

Thank you minimum I can hold for 3 months. If the returns are satisfying I can hold it for 5 Years.

Deal Cadet Deal Cadet
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I already bought a property year ago.
Also having gold.
Also having sufficient Fixed Deposits.

Deal Subedar Deal Subedar
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PshycoKiLLeR wrote:

I already bought a property year ago.
Also having gold.
Also having sufficient Fixed Deposits.

Moti party hai

🙂🙂 grin

Deal Subedar Deal Subedar
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Itna amir hokar dd pe kya kar rahe bhai ?

U can lend me at 1% monthly.

Risk hai to iska hai

Deal Cadet Deal Cadet
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titamazon wrote:

Itna amir hokar dd pe kya kar rahe bhai ?

U can lend me at 1% monthly.

Risk hai to iska hai

Don’t want to loose capital. Sorry.
No Risk No Worries.

Deal Subedar Deal Subedar
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PshycoKiLLeR wrote:

I already bought a property year ago.
Also having gold.
Also having sufficient Fixed Deposits.

Buy another property. If from a big city, then a flat/shop/commercial space that can give monthly rent easily, while keeping the investment safe and appreciating.
If from lower tier cities, then buy land in upcoming/expanding areas nearby. Will definitely give good returns.

Deal Cadet Deal Cadet
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@3.5g Divide and invest.

You can go as per below suggestion

SGB (gold bonds) – 20% (6lakhs)
RBI bonds – 40% (12lakhs)
Debt Funds Direct plans – 20% (6lakhs)
IDFC / Equitas savings account – 20% (6lakhs)

SGB Not to be invested in one shot, can break in 2-3 tranches.

Let me know if you want to invest in above …I can distribute SGB & RBI bonds, will earn some commission which will not go from your pocket. blush

Deal Subedar Deal Subedar
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PshycoKiLLeR wrote:

I already bought a property year ago.
Also having gold.
Also having sufficient Fixed Deposits.

1.5L PPF/year (15 years)
Complete tax free

Deal Subedar Deal Subedar
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popeyethedimer wrote:

Suggestion to le skte may be loot/deals me interested na ho.

Dd hi bacha suggestions k liye sweat_smile
Waise nazar lag jaati hai aise .

Deal Subedar Deal Subedar
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PshycoKiLLeR wrote:

I already pay 1.5L LIC premium to gain deductions

Thats the deduction on IT.

But if you have sufficient parked money you can earn 7-8% tax free interest.

Bank provides 5-6% max that also is charge 30% so it comes down to 3.5% – 4.2%
Almost double return

Deal Cadet Deal Cadet
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InvestPotato wrote:

Thats the deduction on IT.

But if you have sufficient parked money you can earn 7-8% tax free interest.

Bank provides 5-6% max that also is charge 30% so it comes down to 3.5% – 4.2%
Almost double return

PPF account has a tenure of 15 years. I can’t block for such a long term

Deal Subedar Deal Subedar
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InvestPotato wrote:

Thats the deduction on IT.

But if you have sufficient parked money you can earn 7-8% tax free interest.

Bank provides 5-6% max that also is charge 30% so it comes down to 3.5% – 4.2%
Almost double return

You cannot park more than 1.5l in ppf in one year under one pan.

Deal Subedar Deal Subedar
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billubakra wrote:

Ask the agent which debt fund is he referring for 7% interest?
AFAIK you should divide the money between fd’s, gold (no quantity is enough), debt fund, hysa etc. + @Sudarshan61 @drjpatwa

@guest_999 @R0417 @DimeDime
How is this equitas small finance bank as mentioned by a user?

Gold is overrated investment … Please dont invest in that.
In Long run Gold is one of the most useless investment if one consider Rupee depreciation against Dollar which is not going to happen in future.

Equities=Wealth
Gold=Ornaments
Insurance=Protection
Fixed income:Regular income
Real estate:Home.

Simple rule.

regarding debt market…it is risky as well and may give negative returns…Check the returns of any debt fund in last one week/month…most are in negative or 0 range. reference below
https://imgur.com/6...93

Also read about one of the closing AMU closing debt fund schemes

Agent is just making commission ..dont be his prey

Why not into FD?? give it to your parents and do a senior citizen FD…they are safest and risk free option

Deal Subedar Deal Subedar
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dhinchakrohit wrote:

@3.5g Divide and invest.

You can go as per below suggestion

SGB (gold bonds) – 20% (6lakhs)
RBI bonds – 40% (12lakhs)
Debt Funds Direct plans – 20% (6lakhs)
IDFC / Equitas savings account – 20% (6lakhs)

SGB Not to be invested in one shot, can break in 2-3 tranches.

Let me know if you want to invest in above …I can distribute SGB & RBI bonds, will earn some commission which will not go from your pocket. blush

commissions will not come from buyers pocket… flushed
indirectly it is and will always be.

Deal Subedar Deal Subedar
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Sudarshan61 wrote:

Gold is overrated investment … Please dont invest in that.
In Long run Gold is one of the most useless investment if one consider Rupee depreciation against Dollar which is not going to happen in future.

Equities=Wealth
Gold=Ornaments
Insurance=Protection
Fixed income:Regular income
Real estate:Home.

Simple rule.

regarding debt market…it is risky as well and may give negative returns
Check the returns of any debt fund in last one week…most are in negative or 0 range.
Why not into FD?? give it to your parents and do a senior citizen FD…they are safest option

_ Check the returns of any debt fund in last one week…most are in negative or 0 range._

Why are they in the negative zone? Can you please explain in detail.

Deal Subedar Deal Subedar
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billubakra wrote:

You cannot park more than 1.5l in ppf in one year under one pan.

Yes, that why i said 1.5l

See deduction is limited to 1.5L but you can park in different instruments.
And PPF as 1.5L limit (15 years lock-in)

Deal Subedar Deal Subedar
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You can go for post office fd, NSC and kvp. It will be safer than most other options also keep in mind what happend with franklin may happen with any other debt oriented funds

Deal Subedar Deal Subedar
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billubakra wrote:

_ Check the returns of any debt fund in last one week…most are in negative or 0 range._

Why are they in the negative zone? Can you please explain in detail.

Because Debt funds are also market linked (Debt market)
They don’t guarantee fixed returns.

Missing