Bank Fixed Deposit or Mutual Fund ,which one is better?

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Want to Invest but no Idea??? Where Invest??

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Bank Fixed Deposit Vs Debt Mutual Fund

Dear Investor, Bank Fixed Deposit is one of the way where you can invest. Return on FD is fixed. It is good choice if you are looking for less than 3 yrs investment. Less Liquidity is present there. Need to pay penalty if premature. Tax benefit u/s 80C.   Debt Mutual Funds are tax effective.Return are linked with Market. It provide more post tax return as compare to FD, if looking for more than 3 yrs. It is liquid in nature. Exit load may be if too soon liquidate.

Post-tax return comparison in Debt Mutual Fund and in Bank Fixed Deposit Post-tax return in Fixed Deposit Year Beginning Amount Interest Tax @30% Ended Amount 1 1000000 100000 30990 1069010 2 1069010 106901 33129 1142782 3 1142782 114278 35415 1221646 Tax paid 99533   Income 221646   Post-tax return in Debt Mutual Fund Year Beginning Amount Interest Tax Ended Amount 1 1000000 100000 0 1100000 2 1100000 110000 0 1210000 3 1210000 121000 18023 1312977 Tax paid (inflation assume to be 7%) 24200 Income 312977    Debt Funds last 5 years return in Compounding Annualized return Debt Funds 1yr 3yr 5yr Birla Sun Life Dynamic Bond Ret Gth TR(ROI) in IN 18.09 13.54 11.64 ICICI Prudential Income Gth TR(ROI) in IN 18.17 13.46 10.36 IDFC Dynamic Bond Regular Gth TR(ROI) in IN 16.27 12.53 10.96

If interested call us on  Mukesh Gupta  +91-9810184368 B Com, FCA, CPFA, CFP^CM  Director Wealthcare Securities Pvt. Ltd. A 54 A, Lower Ground Floor, Lajpat Nagar- II, New Delhi-110024 Give us a Missed call on +91-98710 90316 to arrange a call back from our office Do Whatsapp +91-9582012572 Telephone No 011- 4657 5550 (Five lines) sa...@wealthcareindia.com   www.wealthcareindia.com

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