You’re saving Plan:
Each one of us makes a certain amount of income on an annual basis. After taking care of our routine expenditures and safeguarding a pool of funds to take care of any contingencies that arise unwelcomed, there is this other chunk of financial resources that stays back with us. Allowing these excess funds to lie ungoverned and unutilized is not a wise thing to do. The best way out is to engage these funds in assets that are capable of covering your immediate short-terms needs. Though equity investment comes across as a desirable option, an alternative of equal or in certain cases much more power is nothing, but debt investments.
What
are debt investments all about?
Even though a lot has been said and written
about debt funds as such, from a layman’s point of view, this is a secure form
of investment that secures an assured return after a particular duration of
time. People tend to interpret that all investments are one and same. However,
in reality different investment forms are varying from each other. Debt
investments are generally a preferred option among individuals, who like to go
easy on the risk factor. However, people, who are open to the idea of taking
massive risks, have their inclination towards equity investments. Whatever be
your choice, the former is considered to be much safer than the latter.
Debt instruments take different forms
namely State and Central government bonds, Reserve Bank of India bonds, money
market instruments and of course corporate bonds.
Take
Professional Assistance:
With different type of available debt
instruments, it is rather impossible for you to invest in debt instruments
solely on the basis of your individual understanding. However, if you are keen
on giving this investment type a try, then it is advisable to seek some point
of professional guidance.
To minimize your effort of searching the
right type, quantity and quality of debt instrument by simply matching your
personalized saving graph, a group of experts have developed an online solution
named “Findvise”. In the end, you would be greeted with a bang on mix of debt
instruments that you can proudly call your investment portfolio.
Salient
Features of Debt Investments:
- · Many a times, you feel satisfied merely with the idea of investing the excess funds that you have with you in some or the other fixed deposit product floated by banks in general. However, if you wish to holistically secure yourself in the short run, then it would be worth investing in debt funds instead of blocking your funds in random bank deposits. This is because debt funds guarantee a higher return as compared to FDs as such.
- While investing in any product at large, your primary focus is to maintain your liquidity at the highest level possible. This area is fully taken care of by debt funds since they are highly liquid. Once redeemed, the proceeds are sure to hit your bank account in not more than a day’s time.
- On an overall level, if you decide to exit a debt-investment set-up, you are less likely to face the heat of penalties. Only in cases, where you make an immediate exit, say you wish to surrender the asset in a year’s time; you would have to shell out some penalty in the form of an exit load.
- Service providers, who hold your debt funds, do not deduct any tax on the same. Only in case wherein you decide to redeem a particular asset would you be required to incur the tax liability. However, there is a safeguard for this too. You can easily set off your benefits against the losses.
If you are new to the world of investments
and wish to play safe, then there is no better alternative, then to settle down
for debt funds as such. Even though the returns you earn might not follow
a specific trend, at least your entire principal sum would remain safe. After
all, what else does an investor long for?
But the market
is dominated by a wide range of debt funds, which makes it difficult to take
appropriate decisions. To help you on this must give a try with the artificially
intelligent mobile App or just visit www.findvise.com
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