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Fixed income instruments like FDs and bonds can play a key role in creating a balanced, diversified wealth plan. Here’s why they matter.
These quick tips will help you maximize results while keeping safety front-of-mind.
Align maturity with goals; short in emergencies, longer for yield.
Stagger deposits to balance returns and liquidity.
Rising rates might hurt bond prices and benefit fresh FDs.
Go for AAA/AA bonds with a reliable performance history.
FDs have penalties; bonds can fluctuate — know before you commit.
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Bonds are debt securities issued by companies or governments to raise funds, and they can be traded in the secondary market. Fixed deposits are bank-offered investment products that lock your funds for a fixed tenure with guaranteed returns. Bonds may offer higher yields and tradability, while FDs offer safety and simplicity.
Yes, Zuari offers both curated bonds and corporate FDs. You can reach out to us to explore available options, compare returns, and choose the instruments that best align with your investment goals and risk appetite.
Yes. FDs come with a predefined lock-in tenure, typically ranging from 1–5 years. Bonds also have a maturity period, but some are tradable in the secondary market, offering potential early exit, subject to liquidity.
Interest earned from FDs is taxable as per your income slab, and TDS may apply. Bond interest is also taxable, and capital gains (if sold before maturity) may attract tax depending on holding duration. Zuari offers downloadable statements to ease your tax filing process.
Yes. Minimum investment usually starts from ₹10,000 for FDs and ₹1 lakh for bonds, but this can vary by issuer.