Fixed income securities are investment products that provide investors with a fixed rate of return over a specified period of time. These securities include government bonds, corporate bonds, debentures, and other debt instruments. They are generally considered to be less risky than equity investments, as they provide a fixed return and are typically less volatile. Fixed income securities can be an important part of a diversified investment portfolio, providing stability and a predictable source of income.
Corporate FDs, or corporate fixed deposits, are investment products offered by companies that allow investors to earn a fixed rate of interest over a specific period by depositing a certain amount of money. Corporate FDs typically offer higher interest rates compared to bank FDs and are suitable for investors who are looking for stable returns on their investment.
However, corporate FDs also carry a higher risk than bank FDs as they are not insured by the government and the investor’s capital may be at risk if the company defaults on its payments.
RBI bonds are government-backed bonds issued by the Reserve Bank of India (RBI) on behalf of the Government of India to raise funds. These bonds offer a fixed/variable rate of interest and have a specified maturity period. RBI bonds are considered to be safe investment options as they are backed by the government and are free from credit risk.
They are suitable for investors who are looking for fixed-income investment options with low to moderate risk.
Post Office Saving Schemes are investment products offered by the Indian Postal Service & National Small Saving Organization that allow investors to save money and earn a fixed rate of interest. Some popular post office saving schemes include :
- Public Provident Fund: This is a long-term savings scheme that provides tax benefits and attractive interest rates.
- Senior Citizen Savings Scheme: This is a savings scheme for senior citizens that provides attractive interest rates and tax benefits.
- National Savings Certificate: This is a savings scheme that provides tax benefits and attractive interest rates.
- Kisan Vikas Patra: This is a savings scheme for farmers that provides attractive interest rates.
- Post Office Monthly Income Scheme: This is a savings scheme that provides a regular monthly income.
- Sukanya Samridhi Scheme
- Term Deposit :
- Recurring Deposit