Savings
Savings
Save for rainy days
Type Of Savings
Bonds
Bonds are debt instruments issued at a principal amount yielding a fixed rate of interest after the period of maturity.
Fixed Deposits
Corporate Fixed Deposits are offered by NBFCs and Financial Institutions. It earns a fixed rate of return over a period of time.
Non-Convertible Debentures
Non-convertible debentures are instruments issued by corporates to the public as an acknowledgement of its debt.
Ideal investors: Conservative
Bonds
Bonds typically provide regular interest payments, known as coupons, throughout their term. This offers a consistent income stream, making them suitable for investors seeking predictable returns.
Bonds can help preserve your capital, especially during market downturns when stocks may decline. Bonds can be a valuable tool in retirement planning, providing a reliable income stream and helping to preserve wealth.
Why Bonds?
Bonds are considered a less risky investment in comparison to other investment avenues. There are many types of bonds available in the market categorised according to credit quality and the issuer. Investing in bonds would be an ideal option for risk averse investors.
Fixed Deposits
Corporate Fixed Deposits are offered by NBFCs and Financial Institutions. It earns a fixed rate of return over a period of time. These interest rates are relatively higher than Bank FDs.
Why FDs?
Corporate FDs have their own pros. The returns are usually higher than the regular Bank FDs. It offers the potential to earn compounding interest on your money with their various cumulative options. In terms of flexibility, you can choose the tenure ranging from 12 months to 60 months.
Ideal Investors: Conservative
Ideal Investors: Conservative
Non-Convertible Debentures (NCDs)
Non-convertible debentures are instruments issued by corporates to the public as an acknowledgement of its debt. These debentures cannot be converted into equity as they are pure debt instruments. NCDs could be both secured (backed by assets of the issuer) or unsecured.
Why NCDs?
NCDs offer higher rate of interest as compared to other fixed income instruments like Bank FDs or similar investment avenues. As the liquidity could be low in NCDs, the investors who are willing to hold till maturity should invest in this instrument. A Demat Account is required and such an avenue can be accessed only by Resident Indians.
