Skip to main content

Time to shift the asset class..

After every 2 months RBI (Reserve Bank Of India) has its monetary policy. In the monetary policy the RBI decides to either retain or cut the repo and reverse repo rates for the banks, depending on various factors like inflation, credit scenarios, liquidity etc.
When the RBI cuts the repo rates, the banks also sub-sequently cuts their interest rates of loans (like home loan, personal loan, education loan, vehicle loans etc) thus they become cheaper to avail for the general public. Hence it sort of boosts the economy.
But to stay in business, banks also cut the interest rates of fixed deposits and saving accounts. Interest rates on saving and FD's has fallen from 12% per annum to 7.25% per annum on an average.

 Today if you think depositing your funds in FD's, the post tax and inflation adjusted returns are nothing but peanuts. Various debt funds prove to be effective asset class in this scenario. They have out performed FD as asset class by giving 8.50% to as high as 12% per annum.


For investments contact:
Samarth Holdings : +91-9561733111
Email: chouguleanup@gmail.com

Disclaimer: None of the images are our creation. We have used images from sites like www.pexel.com, www.pixabay.com, Google Images, WhatsApp, Facebook etc.Only the captions associated with the images relating to personal finance have been crafted by us.The copyright of all the pictures are with their respective owners and if they object to our using them, we shall immediately remove the same.


Labels:
Location: Viman Nagar, Pune, Maharashtra, India

Comments

Post a Comment

Live Markets

Popular posts from this blog

Why start early, invest regularly and staying invested is important..

The below illustration is to showcase how you need to invest larger sums as you delay your retirement saving and how much it costs you in the long run. The %change is reflected over the previous start age. The calculations are done assuming a rate of return is 12% p.a. CAGR. Assumed rate of return(s) are net of loads and expenses. A delay in 10 years cuts your retirement corpus by more than 50% at every step even though you may invest the same amount over time. ------------------------------------------------- For investments, contact:                Samarth Holdings Address: Office 201, 2nd Floor,                Trade Net Building,               Viman Nagar                Pune. Mobile:   +91- 8805111007 Email:     samarthholdings@aol.com -------------------------------...
Post a Comment
Read more

10 important market rules to remember by Bob Farrell...

  For us the most important of the above 10 points are:  1) Markets tend to return to the mean over time : Sharp market rally (upswing) and sharp decline are temporary. Be cautions and invest. 2) Any "Excess" (either upward or downward) are never permanent. 3) Public buys more at the top and least at the bottom : Never be this 'public', do the opposite, be a value investor. 4) Fear and greed are stronger than long term resolve : As long as there is fear and greed in the market you will see the ups and the downs (volatility). Trading for shorter terms will always result in losses. Long term shall serve you well. Stay persistent and invest small amounts regularly. 
Post a Comment
Read more

Stay home, stay safe..

Post a Comment
Read more