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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 ...
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
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
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
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
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
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 ...
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
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
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 ...
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 ...
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
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
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
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
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
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
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
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 ...
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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