Non-Clinical Support » Personal Finance

Fixed income / Assured return Schemes

Basics

Returns from fixed-income schemes are predictable i.e. they offer a fixed rate of return. In comparison, returns from shares, mutual funds, etc are uncertain. If you need a certain income, fixed-income instruments are recommended. One of the key benefits of fixed income instruments is very low risk.

Before investing in fixed income instruments, evaluate your needs from three angles risk, returns (after taxes) and liquidity.

Fixed-income instruments in India typically include company bonds & debentures (ICICI/ IDBI), fixed deposits (Bank FDs and Corporate FDs) and government schemes.