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Fixed Deposits Or Mutual Funds? Which Is Better & Where To Invest!

Read this blog to know if a bank Fixed Deposit is a smart investment in 2020. Find out if you should invest in mutual funds instead of FDs.
April 18, 2024
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Where should you invest? Which is better between FDs and Mutual funds? Well, there was a time in India between 1995 to 1997 when the most favoured traditional investment option was Bank Fixed Deposits. 

Understandably so because it provided approximately 13% returns in a safe manner. But a lot has changed between now and then. Currently, the interest rate of FDs ranges from 4-8%.

What Is A Fixed Deposit?

A Fixed Deposit or FD is a lump sum investment option provided by Banks and Non-banking Financial Companies (NBFCs). It is generally considered to be very safe because the interest rates are pre-decided by the Government and do not change regardless of inflation or market fluctuations. 

Read more about the various types of FDs here. 

Why People Invest In Fixed Deposits

Even in 2020, Fixed Deposits, Recurring Deposits, National Savings Certificate, and some traditional instruments, that investors add to their portfolios. This is due to 2 reasons: Safety and low risk. 

The safety blanket that an FD provides is, of course, alluring. But post-tax FD returns barely beat inflation. So the safety here basically translates to conserv

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