Comparing Other Investments methods to Fixed Deposits

  • Fixed Deposit
  • 11 Months ago
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Comparing Other Investments methods to Fixed Deposits

Investing is a very crucial part of an individual’s income. For this, everyone needs proper financial planning. The diversification of the portfolio helps in mitigating the risk. Not only must these investments help tackle financial emergencies, but they also must be enough to support retirement. Investing also ensures that the savings grow at a rate to beat inflation. Now, since there are many instrument options available, most people tend to go with low-risk and fixed returns instruments.

Types of Investments

  • Corporate Fixed Deposits - these are term deposits that are held by companies over a fixed period at fixed rates of interest. These deposits are offered by Financial Institutions as well as Non-Banking Financial Institutions (NBFC).
  • Fixed Maturity Plans - these are fixed-term mutual funds schemes where the capital is invested in debt instruments with fixed income. The maturity of these instruments is mainly in line with the tenure of the scheme.
  • Government Bonds - these are debt instruments issued by the Central and State Government of India when they face liquidity issues. The interest on bonds is also called coupons, which can be either fixed or floating and distributed on a semi-annual basis.

One of these options is our good old friend fixed deposits. What makes a fixed deposit scheme different from other instruments?

  1. Guaranteed Returns

    Even though avenues like mutual funds and stocks offer comparatively higher returns, these are linked to the markets. The returns for these funds are highly affected by market fluctuations and, at times, might result in losses. On the contrary, fixed deposits are not affected by market variables. These carry a low degree of risk to assure guaranteed returns and the safety of capital. Fixed deposits are the best option for risk-averse investors as the capital invested is fully safe and provides interest at a fixed rate with an assured amount at the time of maturity. One can also know the returns easily using the online fixed deposit calculator.

    There are two classifications of fixed deposit schemes:

    1. Cumulative fixed deposits - this is suitable for the people who are not in immediate need of funds. The cumulative fixed deposits offer a lump sum payment of initial capital and the compounded interest at the time of maturity. These can then be reinvested for the tenure of the investor's choice.
    2. Non-cumulative fixed deposits - These are suitable as retirement funds where the interest on the non-cumulative fixed deposits acts as a regular source of income for the individual post-retirement. These interest on the non-cumulative fixed deposits can be paid monthly, quarterly, half-yearly, and yearly at regular intervals.
  2. Flexible Timeline

    The other options that provide fixed returns with low risk, like PPF, are backed by the government and offer returns at a rate of 7.1% pa with tax benefits. However, the drawback with PPF is that it comes with a lock-in period of 15 years. The withdrawal in PPF is restrictive and can be done only post 7years. On the other hand, fixed deposits enable the depositor to make partial withdrawals. Also, one can opt for a loan against a fixed deposit. The duration of investment in a fixed deposit can be decided based on the financial goals that range from 12 to 60 months with Shriram Capital Union Finance, and hence the fixed deposit interest rate depends on the duration.

  3. Higher Interest Rates

    The Senior Citizen Savings Scheme offered by the government enables people to obtain a monthly income after the age of 60 years. This scheme provides an interest of 7.4% pa with an investment tenure of 5 years. Contrary to this, a fixed deposit not only offers a choice of tenure but with Shriram City fixed deposit yield interest rate, one can get an interest rate of 7.75% pa on non-cumulative deposit, fixed deposit yield interest rate of 9.05% pa on cumulative fixed deposit, and an additional 0.30% pa for senior citizens. And hence, the fixed deposit can act as a stream of regular income for the individual post-retirement.

  4. Mitigates Risk

    Fixed deposit is a low-risk investment instrument where the safety of funds can be reviewed by the ratings provided by analytical companies such as CRISIL and ICRA. These ratings indicate the security level of the payment of interest and principal. Looking for ratings on the FD is a great way of mitigating the risk. Shriram City term deposits come with a "MAA+/ with Stable Outlook" rating by ICRA.

  5. Power of Compounding

    A person can start early with investing and multiply wealth by the power of compounding. Investing early, even with small amounts, can get high returns with compounding. When a lot of capital with the compounded interest is reinvested into the fixed deposits, a person can earn even higher. The reinvestment can be done for a period ranging from 12 to 60 months. Shriram Capital also provides additional 0.25% pa on all the renewals, where the deposits have reached maturity.

  6. Higher Returns

    When compared to recurring deposits, where the deposits are made regularly, the interest rate provided by fixed deposits is higher. The recurring deposit in any bank ranges between 5% to 7.25%. The returns on fixed depositsstrong> are higher because the interest is earned on the lump sum. In the case of a recurring deposit, suppose the investment is made for 24 months, the interest on the first instalment is earned for 24 months, for the second is earned for 23 months, and so on it goes.

Conclusion 

With all the points stated above, it is quite clear why a fixed deposit is a good choice for everyone, whatever their risk appetite may be. The duration of a fixed deposit can be chosen by the depositor based on their financial goals. It also assures higher and guaranteed returns to the depositor. It is an important investment instrument for people of all ages, be it an early investor or a person nearing retirement. To be extra sure, the depositor can look up the ratings of the investment.

For instance, Shriram Capital comes with a "MAA+/ with Stable Outlook" rating by ICRA and comes with an unchallenged trust of over 45 years in the Indian market. The interest rate provided by Shriram Capital is 7.75% pa with an additional 0.30% pa for senior citizens. It offers flexible tenure options from 12 months to 60 months. Shriram City fixed deposit calculator helps you find the returns on the invested amount. Now, all that remains is applying for a fixed deposit. To apply online for a Fixed Period Deposit, you can visit Shriram City Union Finance official website, or you can apply offline too.

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  • Two Wheeler Loans

Gold Loan Eligibility for NRI

  • May 22 2021
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  • Gold Loan

How to Frequently Monitor and Evaluate Your Investments

  • Jun 11 2021
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  • Fixed Deposit

How to refinance your loan and get better rates for your gold loan

  • Jun 16 2021
  • |
  • Gold Loan

The Benefits of a Business Loan and How It Will Help You to Grow Your Business

  • Jun 17 2021
  • |
  • Business Loans

The 5 Biggest Mistakes to Avoid When Getting a Business Loan

  • Jun 17 2021
  • |
  • Business Loans

What kind of businesses are eligible for a Shriram City business loan?

  • Jun 24 2021
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  • Business Loans

Fixed Deposit VS Unit Linked Insurance Plans (ULIP) Where to Invest?

  • Jul 02 2021
  • |
  • Fixed Deposit

Are the Interest Rates the Same Whether You Choose the Cumulative or Non-Cumulative Option?

  • Jul 08 2021
  • |
  • Fixed Deposit

Is It Possible For a Single Customer in Shriram City to Invest in Both FDs and RDs From the Same Account?

  • Jul 21 2021
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  • Recurring Deposit

Why Is a Good CIBIL Score Vital For Achieving Business Goals?

  • Aug 02 2021
  • |
  • Business Loans

What are the differences between two wheeler loan vs personal loan?

  • Jul 27 2021
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  • Two Wheeler Loans

Reasons and Benefits of Owning a Two Wheeler in City

  • Jul 28 2021
  • |
  • Two Wheeler Loans

What are the Opportunities for AI in the Financial Sector?

  • Aug 17 2021
  • |
  • Loans

AI Resolution In Lending: Hype Or Reality?

  • Aug 17 2021
  • |
  • Two Wheeler Loans

How is new technology helping NBFCs evolve?

  • Aug 18 2021
  • |
  • Loans

How AI Helps Lenders Assess Loan Seekers With No Credit Score?

  • Aug 26 2021
  • |
  • Loans

What is your money worth: A blog about understanding FDs and how you can make the most of them

  • Sep 03 2021
  • |
  • Fixed Deposit

How to keep your FD money safe through the best investment ideas

  • Sep 07 2021
  • |
  • Fixed Deposit

How to Plan and Save for a Baby: A blog on how to save for a baby's future

  • Sep 07 2021
  • |
  • Fixed Deposit

Benefits of Availing Two Wheeler loan with Shriramcity

  • Sep 08 2021
  • |
  • Two Wheeler Loans

Choosing the Right NBFC for Your FD: A blog discussing how to choose the best NBFC's for FD

  • Sep 08 2021
  • |
  • Fixed Deposit

Financial Tips for New Drivers: A Blog About the Financial Tips You Should Consider Because You are a New Driver

  • Sep 09 2021
  • |
  • Fixed Deposit

How to Save Money on your Budget | How to Build Financial Capital in a Small Town

  • Sep 09 2021
  • |
  • Fixed Deposit

How do Loan Approvals Work for Two Wheelers?

  • Oct 21 2021
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  • Two Wheeler Loans

How can Investments in Fixed Deposits Help for Retirement?

  • Oct 21 2021
  • |
  • Fixed Deposit

Current Fixed Deposit Interest Rates - 2021

  • Oct 25 2021
  • |
  • Fixed Deposit

Extensive Guide for Choosing a Fixed Deposit with the Best Interest Rates

  • Nov 27 2021
  • |
  • Fixed Deposit

How Do Fixed Deposits Promote Senior Citizen Welfare

  • Nov 27 2021
  • |
  • Fixed Deposit

How flexi recurring deposit offers complete flexibility

  • Nov 30 2021
  • |
  • Recurring Deposit

How can Students Apply for Two-Wheeler Loans in India?

  • Dec 01 2021
  • |
  • Two Wheeler Loans

How are Fixed Deposits beneficial for Trust and Foundations

  • Dec 01 2021
  • |
  • Fixed Deposit

How to Optimise Your Investments in Fixed Deposits

  • Dec 02 2021
  • |
  • Fixed Deposit

Simple Bike Financing with Zero Down Payment

  • Dec 03 2021
  • |
  • Gold Loan,Loans

The Only Guide You Need To Getting A Loan Against Gold Jewellery

  • Dec 04 2021
  • |
  • Gold Loan

How to choose your business loan online based on interest rates

  • Dec 07 2021
  • |
  • Business Loans

Important Criteria to be Aware of Before Applying for a Business Loan

  • Dec 08 2021
  • |
  • Business Loans

Why are SME Loans Crucial for Your Company's Growth?

  • Jan 20 2022
  • |
  • Business Loans

10 Things To Know About Two Wheeler Loans Post Pandemic

  • Jan 20 2022
  • |
  • Two Wheeler Loans

How to Buy Gold Loans on a Low Budget

  • Jan 21 2022
  • |
  • Gold Loan

10 Things Your Kids Don't Know About Recurring Deposits

  • Jan 21 2022
  • |
  • Recurring Deposit

How To Get More Results out of Your SME Loan?

  • Jan 24 2022
  • |
  • Business Loans

11 Ways to Completely maximise your business with the help of Shriram city business Loan

  • Feb 02 2022
  • |
  • Business Loans

7 Up-and-Coming Trends About Recurring Deposit

  • Feb 04 2022
  • |
  • Recurring Deposit

Why You Should invest More Time on Recurring Deposit

  • Feb 05 2022
  • |
  • Recurring Deposit

Recurring Deposit : Expectations vs. Reality

  • Feb 05 2022
  • |
  • Recurring Deposit

10 Reasons As To Why You Should Take A Two Wheeler Loan

  • Feb 07 2022
  • |
  • Two Wheeler Loans

Gold Loan: Expectations Vs. Reality

  • Feb 08 2022
  • |
  • Gold Loan

Why It's Easier to Succeed With business Loan Than You Might Think?

  • Feb 09 2022
  • |
  • Business Loans

Business loans: Expectation vs Reality

  • Feb 09 2022
  • |
  • Business Loans