Investment opinion: suggestions for instruments for fixed/assured return due to falling FD rates

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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.

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.

A NEW TAG LINE IS FLOATING IN THE MARKET
" Live With It " (diminishing returns)



Jokes apart I too am concerned

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

It’s better to put money in banks where fd is covered with insurance up to 5 lakh.

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

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

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%

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.

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…

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

https://www.hdfc.com/deposits#interest...es

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.

Future Group FD 11%

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)