Top 10 Alternatives of FD | How to earn more than FD with low to zero risk?

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Disclaimer: This video is only for education purpose. Consult your financial Advisor before investing your money.

TImestamp
0:00 Introduction
1:19 Corporate FD
2:56 NCD
4:06 RBI Bonds
4:41 Saving account of small finance bank
5:37 National saving certificate
8:12 Corporate Bond Fund
8:50 Banking & PSU Bond Fund
9:19 Money Market Fund
9:41 Short Duration Fund
10:35 Bharat Bond

Over the last couple of years, the interest rates on FD has reduced drastically. Now FDs with nationalized banks hardly fetch a 5% return. And the interest earned on FD is taxable as per income tax slab. So for example if you fall under the 30% tax bracket then post tax return from FD is just 3.5%. Here we have ignored the education cess. Now, the inflation rate in our country is somewhere ~5%. So if you are keeping your money in FD then essentially it is getting shrinked i.e. your real value of money is getting reduced. Hence, in this video, I have discussed the top 10 alternatives of FD that can help you beat inflation. It will help investors on how to earn more than FD with low to zero risk.

#AlternativeofFD #Fixedreturn #Savingscheme #Riskfreeinvestment

[SahilBhadviya]

To learn more about stocks, mutual funds, and personal finance, explore my complete course on money management: www.sahilbhadviya.in

[jaik]

really useful for middle class people and senior citizens ; particularly people who have retirement funds...

[dr_strnge]

1. Corporate FD -1-4% more than FD
2. NCD - Debentures
3. RBI BONDS 7.1 % return
4. National saving certificate - 6.8% return
5. Debt based mutual fund and ETF
6. Saving account with small finance bank
7. Corporate bond fund -6-8% return
8. Banking and PSU debt fund
9. Money market fund -4-6%
10. Bharat bond
11. Short duration fund..

[subratadey]

This is a complete guide for low risk investment. It clarified a lot of doubts. Great preparation. Good work. Thank you.

[feliciamaksim]

*Successful people don't become that way overnight. What most people see at a glance wealth, a great career, purpose is the result of hard work and hustle over time. I pray that anyone who reads this will be Successful in life.*

[mansurcp]

Hi sahil bai, Kindly do a top list of stock from small and medium sectors again same as before

[alagumurugan]

I am watching your videos from past few months. One of the quality content creator.
Thanks 👍

[saravanakumar]

MY way of banking.. I do 5 lakhs fixed deposit and take 5 percent and invest the interest again as an RD in the same bank for 3 years .. total I will get 9-10 percentage m aggregate ... This is the safest and best way I know . Hope this helps some one ...

[akulaanurag]

Extremely waited for this episode..
Thank u sir..

[kichenakoumarn]

Hi sir, why you had not mentioned dividend on shares. Like ITC, good year, ioc, sjvn etc. Seems this will have dividend income + capital appreciation + possibility of bonus and split. Hope this is my understanding, kindly inform if we are in a wrong understanding on this

[plp]

Good subject and nobody covered this in one video as I know. Keep it up Sahil.

[mksindsg]

Good one... What about sovereign gold bonds which will give good yield on maturity according to gold price, 2.5% annual interets and also diversification of investments

[meridhun]

Thank you sahil bhaiya...such a wonderful and enriching content..🙏🙏🙏🙏

[gobindachandraadhikary]

Corporate FD is very risky. Example DHFL (Rating agencies r not trusable. Crisil has given highest rating on IPO of Orient Green Power now see its condition never cross issue price. Destroyed all public money. Hope also know abt PWC for Satyam Audit.
NCD also follow the same. Example SBI N5 NCD
RBI Bond is low return.
Bharat 22 ETF return please check.

[raginisharma]

Very useful information - thank you Sahil, enjoy your videos 👍

[prantikpushilal]

Hi Sahil, Thanks for educating us on safe investing options. Please provide detail of how can retail investor invest in RBI Bonds?

[ramesh]

Very good and informative video. We were just thinking of finding an alternative options for FDs. Thanks.

[SachinKumar-pmrt]

Hi sahil... Thanks for all this kind of informative video...

[balajimogadali]

equitas savings bank provide 7% interest rate from one lakh onwards, i hold this as emergency fund as well as i get interest

[ajaychebbi]

Thanks! Good compilation of instruments