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Samraat Jadhav  |1756 Answers  |Ask -

Stock Market Expert - Answered on Apr 23, 2024

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more
Asked by Anonymous - Apr 16, 2024Hindi
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Can I invest 1 lakh rupees in bonds

Ans: yes
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Asked by Anonymous - Feb 05, 2024Hindi
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Hi,sir I have 1 lakh with me I want to invest this amount for a period of 1 year and after that I require it for my marriage.please tell me if I can get 10-12% return on it so that I can use that money for my marriage
Ans: Investing 1 lakh for a period of 1 year with the goal of achieving a 10-12% return can be challenging, especially considering the short investment horizon and the need for liquidity for your marriage expenses. Here are some investment options to consider:

Fixed Deposits (FDs): FDs offered by banks typically offer fixed returns over a specified period. While the interest rates may vary, you can explore options with banks offering competitive rates. However, keep in mind that FD interest rates are subject to change and may not always guarantee returns within the 10-12% range.

Debt Mutual Funds: Debt mutual funds invest in fixed-income securities such as government bonds, corporate bonds, and money market instruments. They offer relatively stable returns compared to equity funds and can be suitable for short-term investments. Look for debt funds with a track record of consistent returns and low expense ratios.

Savings Accounts: While savings accounts may offer lower returns compared to other investment options, they provide liquidity and safety of capital. Some banks offer higher interest rates on specialized savings accounts or fixed deposits linked to savings accounts.

Short-Term Bond Funds: Short-term bond funds invest in fixed-income securities with shorter maturity periods, making them suitable for short-term investments. These funds aim to provide stable returns while minimizing interest rate risk. Consider investing in short-term bond funds with a focus on capital preservation and liquidity.

Recurring Deposits (RDs): RDs allow you to invest a fixed amount regularly for a predetermined period, offering fixed returns upon maturity. While RD interest rates may not be as high as FD rates, they provide a disciplined approach to saving and can be suitable for short-term goals.

Liquid Mutual Funds: Liquid mutual funds invest in short-term money market instruments, offering high liquidity and relatively stable returns. These funds are designed for investors seeking safety and liquidity, making them suitable for short-term investments.

Before making any investment decision, assess your risk tolerance, liquidity needs, and investment goals. Consider consulting with a financial advisor to determine the most appropriate investment option based on your individual circumstances and requirements. Additionally, carefully review the terms and conditions, including potential penalties for premature withdrawal, associated with each investment option before making your decision.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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