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November 27, 2016, Sunday
Diversify beyond fixed deposits
Interest rates on bank FDs have started coming down and rates on other fixed-income products will also decline. Investors should ...
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November 21, 2016, Monday
Perpetual bonds by PSU banks offer higher rates than FDs
Liquidity can be an issue. Also dividends are paid only if issuing banks is profitable
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October 22, 2016, Saturday
A strong case for long-term FDs
Banks are offering similar interest rates for short and long-term deposits; the latter is preferable for safe returns
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January 06, 2016, Wednesday
Non-callable FDs suit conservative HNIs
Those looking for higher returns can look at tax-free bonds or debt funds that are more tax-efficient
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December 01, 2015, Tuesday
No rate cut is good news for depositors
Use this window to lock into bank FDs; unless govt cuts small savings rates, banks may not cut deposit rates
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July 05, 2015, Sunday
Depositors get some protection if bank fails
Deposits up to Rs 1 lakh are insured. Read on for ways to raise this cover
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April 26, 2015, Sunday
Lumpsum withdrawals: Debt funds score over FDs
Typically, it is believed that both fixed deposits (FDs) and debt funds face similar taxation, barring the inflation indexation ...
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March 04, 2015, Wednesday
Get locked into FDs
With banks likely to cut rates, investing in a product that offers 8-9% annually will be beneficial
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December 07, 2014, Sunday
Time to lock in your fixed deposit
Act now, as bank deposit rates are likely to come down in the near future; supplement this with a few other instruments
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October 08, 2014, Wednesday
Deposit rating no investment recommendation
It only shows a company's quality. Invest if you can stomach the credit risk and then keep track of the rating, to avoid getting ...
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September 07, 2014, Sunday
40 years ago...and now: Lowest returns, consistently popular
They have given you much fewer returns over the past 40 years compared to many asset classes; yet, bank FDs remain one of the ...
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September 07, 2014, Sunday
Fixed deposits, NCDs score for one-year horizon
For a three-year period, fixed maturity plans are better, but consider the quality of the portfolio
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May 10, 2014, Saturday
Stay nimble, choose debt funds over FDs
These schemes give higher returns than savings bank accounts and more flexibility than fixed deposits
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April 14, 2014, Monday
No TDS on deposits doesn't mean these are tax-free
Interest income on deposits is taxable according to your tax bracket
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February 26, 2014, Wednesday
Rates aren't only important in FDs
Divide the total amount to invest in different tenures and invest in established banks
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November 14, 2013, Thursday
Short-term fixed deposits shine again
Bank deposit rates are rising, making short-term FDs attractive. For tenures of over a year, though, FMPs fare better
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July 11, 2013, Thursday
How to earn more from your fixed deposit
Go for banks that deduct TDS annually while paying interest quarterly. This improves your returns substantially
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June 23, 2013, Sunday
Use debt to beat volatility
In these uncertain times, fixed income products such as bank FDs and bond funds are good places to park your funds
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April 26, 2013, Friday
Right time to plan a bank FD or RD investment
The loan rate has been curtailed with an outlook to stimulate the growth in financial system and provides a lifeline to the much ...
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March 05, 2013, Tuesday
Fixed options dry up for senior citizens
With banks reducing rates on FDs and Budget doubling dividend distribution tax, things don't look so good
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