Fixed Deposits / Bonds

Fixed Deposits / Bonds

Article Summary…..

Fixed Deposits / Bonds

These are one of the favourite investments of individuals of India. These are considered to be one of the safest investments, although a lot need to be checked before buying this product from institutions other than bank and highly secured institutions. These can be taken from

Fixed DepositsBonds
◿ Banks◿ Banks
◿ Post Office◿ Financial Institutions
◿ Financial institutions◿ Non Financial Institutions
◿Non Financial Institutions

What are the benefits of FD and Bonds?

FD gives you safer returns if taken from bank or safe institutions. It may give you higher returns if you have taken from risky institution. There can be secured bonds known as debentures, these are more secured than bonds.

Is there any Tax benefit?

There is no tax benefit attached with this product. Only Tax saving fixed deposit is there to give you tax benefit of 1 lac with lock in period of 5 years. The returns from the scheme are taxable in the hands of individuals.
There are some Tax free bonds in the market which help you in maintaining your purchasing power. These bonds give you Tax free returns.

Is it suitable for individuals?

No plan is good or bad, only the situation of individual decides whether he or she should buy the product or not.

You should not buy any plan without planning your need at retirement. This plan gives you money for expenses and hardly adds any value to your purchasing power. In general the real return after Tax and inflation is negative for individuals. If you need to invest for a very short period, these can give you good results.

The answer is comprehensive customized life planning, this makes you plan your life with approximately all the domains of life with long horizon.
To carry out all your responsibilities you need to plan your life.

Your Investment in Rs Annual Return 9% Income Tax Inflation Return Amount Real Return
100000 9000 Nil 8% 1000 0.93%
100000 9000 10.3% 8% 73 0.07%
100000 9000 20.6% 8% -854 -0.79%
100000 9000 30.9% 8% -1754 -1.62%
Anil Kumar
Anil Kumar
2021-07-12
Thanks from bottom of my heart to Mr. Viplav Majumdar and his team for making such an amazing program
Rahat Jahangeer
Rahat Jahangeer
2021-07-12
I want to recommend this platform to each and every person I know.
Anmol Panday
Anmol Panday
2021-07-12
This is really a mission that Mr. Viplav Majumdar and his team is doing, Because 95% people don't know about this and the rest 5% wealthy people who know about this are not worried about others.
Raj Singh
Raj Singh
2021-07-12
Planyourworld gave me new avenue to explore to streamline my income
Vikram Choudhary
Vikram Choudhary
2021-07-12
Planyourworld has helped on financial plan & how to take care of money plan towards untoward incidents in life.
Manish Nagar
Manish Nagar
2021-07-05
I went through the ebook, I haven’t seen that any advisor tells these things to us
Faizul Khan
Faizul Khan
2021-07-05
I needed some more from Viplav, if he could check my things personally. Later I realised he wants us to learn, so I can do it on my own.
Sudhanshu Singh
Sudhanshu Singh
2021-07-05
I never saw a complete package at this cost. I might have easily paid 25k for this
ankush choudhary
ankush choudhary
2021-07-05
I am already getting my passive income, still enrolled, I know I didn’t know anyone who is interested in me, Viplav and his team really helped me
Nevermore
Nevermore
2021-07-05
The entire package is awesome, I am using it I am satisfied.

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