Page 8 - Fixed Deposits

Multiple benefits of deferred annuities: How you can choose the right one

Savvy investors can expect to earn better returns by investing in alternatives

Purchase annuities in a staggered manner to get a better rate of return

Buy plans that do not have return of purchase price option, at a later age, to get a better rate of return

Investors must look at credit quality while choosing corporate FDs

Stick to deposits of firms with high rating

How faster deposit growth could become counterproductive for banks

Should deposit growth continue to outpace credit growth, banks may end up ceding some hard-earned 25-50 bps improvement in profitability or net interest margin gained in the past two years

This is not the time to lock yourself into long-term fixed deposits

If you invest for the shorter-term now, you will be able to roll over to higher rates when the interest-rate cycle turns

Strategies to protect your income in a scenario of falling interest rates

Several products offer better rates, especially for seniors; that said, never try to optimise returns when you need money in the short term

Regulatory caps on bank guarantees boost demand for fixed deposit receipts

Arrangements between brokers and banks have come under Sebi, RBI lens over potential risks

Lockdown impact: Bank credit growth plunges 50% in fortnight to May 22

Banks had surplus liquidity of Rs 4.5 trn in the period

RBI stops 7.75% bond: Here're some fixed-income options for senior citizens

PMVVY, SCSS, PPF and Bharat Bond are instruments senior citizens can turn to

State Bank of India slashes FD rate by 40 bps, second cut in May

The lender will also extend EMI moratorium by 3 months for all eligible customers without waiting for a request

Diversify your investments beyond bank FDs to counter declining rates

Invest in a mix of small savings products, debt funds with quality portfolios to counter declining rates

HNIs turn to low-return products; tax-free bonds, FDs preferred choices

Tax-free bonds, FDs, RBI 7.75% bonds, gilt funds preferred choices

Gloom for savers: How RBI repo rate cut will impact FD investments, savings

The recent spate of rate cuts by the Reserve Bank of India could be bad news for savers

Sudden spike in bond yield amid coronavirus outbreak signals trouble

Also, watch out for a company raising money at a very high rate of interest

It may be time to change the way UCBs and NBFCs raise retail deposits

It may be time to link the higher deposit insurance cover and the way co-operative banks and select non-banks raise retail resources, writes Raghu Mohan

How to get the most out of your fixed deposits as interest rates fall

Choose a higher compounding frequency, and invest across multiple tenures and banks

Don't chase higher yields, avoid risk and stick to safer categories

Stick to solid banks and shun both credit and duration risk in debt funds

Need cash? Loan against fixed deposits is cheaper than a personal loan

Here is how the rares of loan against fixed offered by various banks stack up

Small savings will continue to be attractive despite Coronavirus outbreak

While banks have been cutting fixed deposit (FD) rates, small savings rates have not been revised for some time, and that has created an abnormal differential between them

Indian investors turn risk-averse in 2019, investments rise in FDs

The post-tax return from most fixed-income instruments marginally beats, or lags behind, the inflation rate