Various Investment Option
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Project Report On Investment Options And Mutual funds|
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By: Pawan JhawarMahendra KumarGaurav Singh|
Investment Options
A number of investment options are available for Mr. Yuvaraj. However, each of them carries some risk. 1. Fixed Income Instruments – These instruments deliver a committed rate of return to the investor. Due to the rate of return being fixed, fixed income instruments are low risk options. a.Public Provident Fund – PPF[->0] is a government backed long term scheme. The minimum tenure for PPF is 15 years. It serves as a great retirement planning tool while providing tax rebate at the same time. PPF account can be opened at select post offices, SBI, ICICI and some nationalized banks. b. Post Office Savings Scheme – Post offices offer low risk (due to government backing) saving schemes including savings account, recurring deposit, National Savings Certificates (NSC), PPF, Monthly Income Scheme, etc. While NSC and PPF are long term options, monthly income schemes suit people wanting to get regular monthly income in the form of interest from the money deposited. It is a good option for retired personnel. c. Certificate of Deposits – These include fixed deposits, savings account, recurring deposits etc. Bank FDs provide higher rate of return than savings bank account deposit. While savings account offers interest between 4-7%, interest from fixed deposits goes up to 9.5% for some banks. Interest rates depend on the duration for which money is locked. These rates are updated by banks from time to time. d. Corporate Fixed Deposits – Companies raise debt from the market by offering the option of Company Fixed Deposits[->1]. These deposits are taken for short to medium term, i.e., 1-4 years usually. Company FDs offer highest return out of all fixed income instruments. Interest from Company FD’s varies from 10% to as high as 15% in some cases. These rates also keep changing with time. e. Corporate Bonds and
Project Report On Investment Options And Mutual funds|
|
By: Pawan JhawarMahendra KumarGaurav Singh|
Investment Options
A number of investment options are available for Mr. Yuvaraj. However, each of them carries some risk. 1. Fixed Income Instruments – These instruments deliver a committed rate of return to the investor. Due to the rate of return being fixed, fixed income instruments are low risk options. a.Public Provident Fund – PPF[->0] is a government backed long term scheme. The minimum tenure for PPF is 15 years. It serves as a great retirement planning tool while providing tax rebate at the same time. PPF account can be opened at select post offices, SBI, ICICI and some nationalized banks. b. Post Office Savings Scheme – Post offices offer low risk (due to government backing) saving schemes including savings account, recurring deposit, National Savings Certificates (NSC), PPF, Monthly Income Scheme, etc. While NSC and PPF are long term options, monthly income schemes suit people wanting to get regular monthly income in the form of interest from the money deposited. It is a good option for retired personnel. c. Certificate of Deposits – These include fixed deposits, savings account, recurring deposits etc. Bank FDs provide higher rate of return than savings bank account deposit. While savings account offers interest between 4-7%, interest from fixed deposits goes up to 9.5% for some banks. Interest rates depend on the duration for which money is locked. These rates are updated by banks from time to time. d. Corporate Fixed Deposits – Companies raise debt from the market by offering the option of Company Fixed Deposits[->1]. These deposits are taken for short to medium term, i.e., 1-4 years usually. Company FDs offer highest return out of all fixed income instruments. Interest from Company FD’s varies from 10% to as high as 15% in some cases. These rates also keep changing with time. e. Corporate Bonds and
References: http://www.edelweissmf.com/products/edelweiss-monthly-income-plan.htm http://www.boiaxa-im.com/products/hybridfund_regularreturn.php http://profit.ndtv.com/news/your-money/article-where-to-invest-after-retirement-317924 http://www.sec.gov/investor/pubs/sec-guide-to-mutual-funds.pdf http://www.investopedia.com/terms/t/ter.asp [->0] - http://linkclk.com/adfly/goto.php?i=%7BBC5008EB-D662-4D8C-9AA6-863F15F06C44%7D&lm=1371548929505&url=http%3A%2F%2Fwww.investmentyogi.com%2Foi_taxes%2F7-must-know-facts-about-public-provident-fund-ppf.aspx [->1] - http://www.investmentyogi.com/investing/company-fixed-deposits-an-alternative-of-bank-fixed-deposits.aspx [->2] - http://www.investmentyogi.com/investing/gold-etf-becomes-more-attractive-now.aspx