Fixed income investments can be an excellent option for generating wealth over time with less risk than equity investments. Fixed income investments are essentially loans that you make to a borrower, who promises to repay the loan with interest. Here are some common fixed income investment options for generating wealth:
Fixed Deposits (FD)
Fixed Deposits are offered by banks and financial institutions where an investor deposits a lump sum amount for a fixed tenure and earns interest on the investment. This is one of most traditional investment option chooses by Indian investors. Guaranteed Time-bound Deposit Insurance Payment up to Rs. 5 Lakh adds one more layer of comfort to the investor.
Bonds are issued by governments or corporations and are typically considered less risky than equity investments. Bonds offer a fixed interest rate and a predictable cash flow. There are various types of bonds available such as PSU BONDS, TAX FREE BONDS, ZERO COUPONS, SOVEREIGN GOLD BONDS, PERPETUAL BONDS, CORPORATE BONDS,STATE DEVELOPMENT LOANS (SDL),MARKET LINKED DEBENTURE (MDL), RBI savings bonds etc.
Non Convertible Debentures (NCDs)
Investors want investment options that manage liquidity and risks while offering substantial returns. Debentures are long-term financial instruments issued by a company for specified tenure with a promise to pay fixed interest to the investor. Debentures are of two types, namely convertible debentures and non-convertible debentures (NCD).Non-convertible debentures (NCD) are those which cannot be converted into shares or equities. NCD interest rates depend on the company issuing the NCD.
NCD investment can be held by individuals, banking companies, primary dealers other corporate bodies registered or incorporated in India and unincorporated bodies.
Treasury securities (T-Bill) are issued by the RBI on behalf of Indian government and are backed by the full faith and credit of the government. Treasury securities offer a fixed interest rate and are considered low risk.
Senior Citizen Savings Scheme (SCSS)
SCSS is a government-backed scheme. Hence, the invested amount is secure and there is guarantee of returns upon its maturity. This is scheme is primarily available to Individuals above 60 years.
We at Meta Investment help you finalized right sized fixed income product to ensure your desired cash flow. We provide our investor various short term and long term Fixed Income options. This helps them optimze and diversify their investment protfolio.
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