5 critical things while choosing fixed deposit
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What are most critical things to look before investing in FD\'S ? How a first time investor can learn to start investing in FD\'S? Process of investing in FD Fixed Deposit, Interest, Liquidity, Compounding, Long term investment,Goal Planning, Risk profiling, Risk capacity, Risk attitude, Liquidity, Inflation, Risk of investing\n - PowerPoint PPT PresentationTRANSCRIPT
1Understand your profile
Check your Risk Attitude and Risk Capacity
Know what is your objective in terms ofGrowth?
Conservative
Moderate
Moderately aggressive
Aggressive
Risk Profile Investment Objective
Protect investment from loss
Capital growth along with capital appreciation
Capital growth with calculated risk
High risk for super natural returns
2Calculate your Goals
Steps to calculate amount
Step 1-List down all the financial goals of life with expected dates
Step 2-Put the amount of money required to meet those goals.
Step 3-Defining how much money should one invest today to achieve those goals.
3Decide on Investing in FD
There are different Products available for different investors.
Choose mix of products as per the riskprofile and returns expected
Conservative
Moderate
Moderately aggressive
Aggressive
Risk Profile Investment Style
Mix of Debt Mutual Fund, Fixed Deposits,
PPF
Mix of Balanced Mutual fund & Fixed
Deposits, PPF
Mix of Shares, Diversified Equity Mutual
Funds, Balanced fund, PPF, Fixed deposits
Mix of Shares Diversified Equity Funds,
Mid cap fund, PPF
4Selection Criteria 1-Interest
Interest is the reward to the investor.
Interest is paid annually and compounded quarterly.
It is usually mentioned in percentage of the principal
The amount of interest is principal amount multiplied by interest rate.
Higher the interest better the return
Check Right Portfolio , as per your Risk profile
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5Compounding
Compounding is the interest generated on the interest accrued on the principle.
The interest is added back to the principle.
This happens every 6 months in FD.
This process of adding back the income to the principle is called compounding.
FDs with shorter compounding period gives better return
6Tax on Returns
Tax Applicable Individual/HUF
Tax on Interest As per the income slab
TDS(Tax Deducted at source) if interest is greater than Rs.10,000
10% of the interest income
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If you want to Restructure your portfolio
What You get@ Rs 1
Risk ProfilingKnowing-
Risk Capacity- How muchRisk you can afford to take
Risk Attitude- How muchRisk you want to take
Financial GoalsKnowing-
All Financial Goals of the life
The Inflation adjustedamount required to meetthem
Right Portfolio
Investment Products rightas per risk profile
Portfolio which is taxefficient
Buy/ Sell
With least Brokerage &Commission
With Nil hidden costs
Regular Monitoring
Of Portfolio and Markets
Rebalance Investmentswhen required
1 2 3 4 5
Right Process
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