Investment Tips: Indian investors have long considered fixed deposits (FDs) to be the safest investment option. Bank FDs offer low risk and fixed returns, but in the changing economic environment, this strategy is no longer as effective. Due to rising inflation, the returns from FDs often fail to even cover actual expenses. As a result, the value of money gradually decreases.
Why a Change in Investment Strategy is Necessary
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If you want to mitigate future financial worries and truly grow your capital, it has become essential to change your investment approach. Investing in the right schemes can not only provide better returns but also create a source of stable income. Today, several safe options are available that offer opportunities beyond traditional FDs.
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Safe Options for the Short Term
For those investing for a short period, Treasury Bills are considered a reliable option. These are issued by the central government and have tenures of 91, 182, and 364 days. They do not offer separate interest; instead, they are purchased at a discount, and the full face value is received upon maturity. Due to the government guarantee, the risk involved is almost negligible.
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Long-Term Safety with RBI Floating Rate Bonds
For long-term investors, RBI Floating Rate Savings Bonds are a strong option. They have a tenure of seven years, and the interest rate is updated every six months. The key advantage is that investors directly benefit from rising interest rates, leading to better returns over time.
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Higher Returns with Corporate Bonds
For investors seeking higher returns than FDs, corporate bonds can be an option. These typically offer interest rates ranging from 9 to 11 percent. However, the risk is slightly higher, so it is crucial to check the company’s credit rating before investing. Companies with good ratings are considered safer.
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What’s special about Corporate FDs?
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In corporate fixed deposits, companies are given money for a fixed period, in return for which they offer higher interest rates than bank FDs. Many NBFCs (Non-Banking Financial Companies) are offering returns of 8.5 percent or more. However, these do not have government insurance cover, so it is wise to invest only in strong and reliable companies.
The stability and reliability of Government Bonds
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Government bonds are considered among the safest investment options because they are fully backed by the central government. They have very low risk and offer stable returns. They typically offer interest rates of around 7 percent, which is considered suitable for long-term investments.
The right plan will provide financial security
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If you want to ensure that a lack of money never becomes a problem in the future, relying solely on FDs is not the right approach. By choosing the right investment options according to your goals, time horizon, and risk tolerance, you can achieve better returns, security, and stable income.