Simple...
If you are afraid of the markets, then it is FD. If you realize that you can make more money and have some greed in you, then it is mutual funds.
If you are like me and you are 1/2, 1/2, then you should do both. Take 50% and put in 1 year FD. Take the rest and distribute it into 3 mutual funds. Sundaram Midcap Select Growth, Magnum Contra and Reliance Growth. And, now take amounts for each fund, and divide it into 3 portions, and invest it on the same day over the next three months. Reread above carefully. It is the lowest risk approach.
Hold on for 1 year, and take a measurement. Change a small bit (switch funds without paying taxes from capital gains so do it at 366th day).
Good Luck.
KKP
2007-02-06 08:51:58
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answer #1
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answered by KKP_Investor 3
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Fixed Deposit Or Mutual Fund
2016-12-10 18:10:04
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answer #2
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answered by southern 4
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all three have their own importance
First a fall we take "Saving A\C" it is compulsory if u want to be invest in any thing like mutual fund, share & securities fixed deposit etc. but here the interest Rate is low.
Mutual Fund is subject to market risk but retun is amazing
then u can invest in a good Mutual Fund with a good history
there is some risk in Mutual Fund every time
Fixed deposit give u return more than a Saving A\C
But not a good Return .
therefore take some Risk and invest in Mutual Fund.
If u can take Risk u can do any thing.
2007-02-05 23:14:47
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answer #3
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answered by Amit V 1
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There is a thumb rule which says one should invest 100 - one's age in the equity market.i.e if you are 25 years old then you can invest 75% of your investible surplus in the stock markets and the remaining in safer instruments like PF, savings bank account, FDs etc .Suppose you have a savings of 5000 Rs / month, then you can invest some 3000 Rs. in a SIP(systematic investment plan) of growth schemes of mutual funds like Franklin Temleton, ICICI Prudential or any other fund of your choice.An SIP is a bettter option since the timing the investments in stock markets is next to impossible.SIPs take care of it.You can divide your free amount between 2 SIPs which fall on different dates of a month.
For example an SIP in X mutual fund on 7th of every month,and another in Y mutual fund on 15th of every month,so that effect of market fluctuations can be minimised.
2007-02-10 23:01:37
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answer #4
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answered by Anonymous
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Fds give more than 8% interest, where as most of the saving account give less than 6%. Invest in debt market funds which give more than 9% and money is reasonably safe
2016-05-23 23:00:51
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answer #5
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answered by Anonymous
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In mutual funds, there is high risk and high rate of return.If you are redy to face the risk you get higher return.But in savings account or fixed deposit the rate return is comparatively law,it is aronud to 6% to 8%,but there is no risk.
2007-02-11 17:23:05
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answer #6
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answered by sindhukannankattil 2
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You must contact this website:
http://www.nriinvestindia.com/
They will help you to invest into indian mutual funds online.
They can advise you to do investments in the best and the top performing mutual funds of india.
They also help NRIs to invest in then Indian mutual funds and india stock markets online.
http://indianmutualfunds.nriinvestindia.com/
2007-02-06 00:25:23
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answer #7
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answered by kgirishraman 3
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It is the psychology of the investor which make the best out the opportunities provided by you. All the investment are good and best according to the personal aspect of the investtor. You are choose the best according to your needs.
2007-02-05 23:55:28
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answer #8
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answered by Anonymous
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the most conservative investment is a high interest savings account- emigrantdirect.com, ingdirect.com, hsbcdirect.com- all pay about 5% interest
mutual funds are more risky- www.morningstar.com
trading individual stocks is the most risky- www.etrade.com, www.scottrade.com, www.optionsXpress.com
2007-02-06 02:11:25
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answer #9
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answered by Anonymous
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