How to book THE HIGHEST FD rate? 5 Secrets of FD | Best Fixed Deposits 2024
HTML-код
- Опубликовано: 19 июн 2024
- Invest in high-return FDs and earn 9.1% returns and Rs. 200 Amazon gift voucher
stablemoney.app.link/CFnci1nT2Jb
5 Secrets to Maximize FD Returns
Fixed Deposits (FDs) are a favored investment choice due to their safety and guaranteed returns. To make the most out of your FD investments, consider these five strategies:
Opt for Special Tenure FDs: Banks periodically offer special tenure FDs with slightly higher interest rates than regular ones. These are designed to balance the bank's loan-to-deposit ratio and can offer better returns.
Explore Corporate FDs: Corporate FDs, provided by non-banking financial companies (NBFCs), often offer higher interest rates compared to bank FDs. However, they come with higher risk and are not insured by DICGC. It's crucial to check the credit rating of the issuer before investing.
Break FDs Judiciously: If interest rates rise significantly, breaking a long-term FD might be beneficial despite penalties. Assess the potential gains against the penalties and adjusted interest rates before making a decision.
Compare Interest Rates: Different banks and financial institutions offer varying interest rates. Use platforms like Stable Money to compare rates across 200+ banks and NBFCs. Even a slight difference in interest rates can lead to substantial returns over time.
Diversify and Strategize: Split your investments across multiple FDs with different tenures and issuers to balance risk and liquidity needs. This approach helps manage risk and ensures access to funds when needed.
By leveraging these strategies, you can significantly enhance your FD returns while maintaining the security and stability that fixed deposits offer.
Join Learner's Community : / @finance.boosan
Courses : www.financeboosan.in
Whatsapp Channel : whatsapp.com/channel/0029Va6x...
Instagram : / finance.boosan
Other useful links : beacons.ai/boosan
_______________________________________________
New Account opening link :
Zerodha : bit.ly/newZerodhaD
Video Editor : / jagan_editor
_______________________________________________
#financeBoosan #usefulinformationBoosan
Stock Market, Mutual Funds, Investments, Personal Finance, Make Money Online
Invest in high-return FDs and earn 9.1% returns and Rs. 200 Amazon gift voucher
stablemoney.app.link/CFnci1nT2Jb
Great
At one stage you where mocking other saying namba ethuku youtube channel start pannomne maranthu content create panrangenu
Great info, FD laddering pathi video pannunga.
Commercial Bank ல FD 5 லட்சம் வைத்திருந்தால், அது வரை DlCGC காப்பீடு ok. அதே வங்கியில் மத்திய அரசின் சீனியர் சிட்டிசன் SRSS திட்டத்தில் மேலும் ஒரு 5 லட்சத்திற்கு செய்திருந்தால் இந்த தொகை DICGC வரம்புக்குள் வருமா , வரதா. இதற்கு பாதுகாப்பு உண்டா?
Thank you Bro. Please do make a video on FD laddering .
Direct to the point and no un-necessary blabbering .And this make this channel unique and easy to fall in love with Finance!!
FD Laddering Video Needed means hit the like button ❤
❤
@financeboosan.. One small correction.. The penal amount is calculated on the interest rate in which the FD was held with the bank and not on the contract rate in the FD. For example, If you have an FD at 7% for 1 year and you are prematurely withdrawing in say 11 months, penal interest will be calculated for less than 1 year interest rate minus 1%. Suppose 1 year interest rate is 7% and less than 1 year is 6% then penal interest will be 6-1=5%.
Hi Bro
As usual ❤
Do continue videos.
I covered your all inputs....
I make notes of all comparisons and niche difference.
Thank you very much.to make me financial literacy
Your videos are very informative❤
Anna Please do video on Fd laddering
Please make a video about annuity / pension plans
Thank you so much for sharing your knowledge and also helping others interested. I hope you get an award from the government of India for the work you are doing. Nandri
video needed for FD ladder
Yes bro please tell more about FD laddering
What tamilnadu co operative Bank it's also covered by RBI insurance or not
Explain about FD laddering.
Sponsorship ku vazthukal. Anna sponsor kaaga oru video podrathu konjam mathikalam
Thanks for the informative videos Boosan . God bless.
Can you please put a video on how a new NRI can change the existing ET Money / Zerodha account to NRI one to continue with the investments.
Yes, we need more information on FD laddering
Corporate FD: Many people in Western India do not invest in Bajaj Finance FD- as they torture the humans through spam calls.
Shit company it is
Valuable information
bro, forex trading profits ah eppadi India la Tax file panradhu?
any legal issues irukaanu sollunga,
Is small finance bank good to open FD ?
ஏற்கனவே அந்த வங்கி சம்பந்தப்பட்ட afficial app ல போட்ட ft யை இந்த ஸ்டேபிள் மணியில் பார்க்க எடுக்க முடியுமா ஏனென்றால் அந்த ஆபீஷியல் ஆப் இப்போது பார்வை மாற்றுத்திறனாளிகளுக்கான அணுகல் தன்மையுடன் இல்லை அதனால் தான் கேட்கிறேன் அதே மாதிரி இந்த ஸ்டேபிள் மணி ஆப் எந்த அளவிற்கு நம்பிக்கை கூறியது
First like boosan, nice one
please do fd laddering video
Bro please make a video on fd laddering
How to apply 7-14 days fd in online in sbi or other bank
Post office deposit plan and TAx details please provide
Bro put video about FD ladder
FD laddering video needed bro
need a video about sweep in FD....
Bro plz do FD ladder video.
Good one bro😎
Hi boosan hope you are doing well, could you please suggest me for tax saving with mutual fund growth or else advice any others best option, at present im only pay LIC, this year's my salary revised so need your suggestion and guidance...im regularly watching yours videos even though confused sometimes
If I deposit 10000 in fixed deposit through online, do I need to submit form 15H
make video on FD laddering
Fd laddering video podunga bro
But tax is applicable on the interest amount
Shir Ram fd is safe to invest? Pls advices
Yes it is. I am already into it and interest rates are higher now than banks.
Please do FD laddering Video bro
Pl tell us how to do fd laddering
நான் இப்போ ஆதித்யா பிர்லா கேப்பிட்டல் பிளான் இப்ப லான்ச் பண்ணுது போட்டு இருக்கேன் அஞ்சு வருஷத்துக்கு அதுக்கப்புறம் 15 வருஷம் ஓல்டு பண்ண சொல்லி இருக்காங்க இந்த மியூச்சுவல் ஃபண்ட் பிளான் கரெக்ட்டா இருக்குமா
FD Ladder details Please
need video for FD laddering
Interested in FD laddering. Can you clarify whether 5L insured limit is inclusive of all the accounts (savings, FD, RD) in a bank ? When we open FD, bank gives a separate account number for that, so that has seperate insurance or covered under part of savings account limit ?
Inclusive of all accounts in a bank
@@finance.boosan thanks for clarifying
@@finance.boosanCommercial Bank ல FD 5 லட்சம் வைத்திருந்தால், அது வரை DlCGC காப்பீடு ok. அதே வங்கியில் மத்திய அரசின் சீனியர் சிட்டிசன் SRSS திட்டத்தில் மேலும் ஒரு 5 லட்சத்திற்கு செய்திருந்தால் இந்த தொகை DICGC வரம்புக்குள் வருமா , வரதா. இதற்கு பாதுகாப்பு உண்டா?
FD laddering pathi solunga bro
FDs are not an inflation beating investment..
Bro dicgc insurance is covered for nbfc also see their website
FD laddering please
Why sir FD? bonds awailable now thanks ❤
There are some factual inaccuracies in this video.
(1) The TDS threshold for bank FDs (Non senior citizens) is Rs.40000/-.
The threshold for senior citizens is Rs.50000/-
(2) For corporate FDs the interest threshold for TDS is Rs.5000/-.
(3) Form 15G and 15H can be given for corporate FDs also to get interest without TDS.
if you are in 30% tax slab, you will still need to pay 30% overall tax on the FD interest, once the cumulative FD interest crosses 40,000 a year..so TDS is a moot point
FD LADDERING VIDEO PLZ
FD ladder need video
Is the interest rate same(as when we started the FD) if we keep the FD for a long time, or will it change according to the updated FD interest rate?
It will not change
You and other party will agree on a intrest rate and that is fixed over the tenure you booked the FD
@@bharanidharsanthi6007 ohh, got it. And I have another doubt. If we have auto-renewal of an FD in which even the interest is added to the initial principal amount, and if the interest rate is changed during the time of renewal of the FD, then would the interest rate be same as old one or according to the current interest rate set by the bank?
Not sure
FD laddering required
Highly inspired by ur financial literacy
Hi bro, there are some small finance bank provides more interest either equal or above corporate FDs and also covered with 5 lakes insurance.
Yes covered at 6:00
Getting insurance amount is not easy, it may take longer time and one my friend face this and he lost 25lac is in small case bank.
Better to invest in AAA banking sector even though interest rate are less.
Anna❤ Ajay here. Thalaivan
Fd laddering video
bro, fd la invest panna pora amount unpaid taxed amount and without source of income ah irundhuchu na accept pannipaangala ?
😂
Fake id with black money
@@bharanidharsanthi6007 Not black money bro, understand a middle class person or coolie somehow saved 10l in his career wants to make 5k per month to support his retirement life.
@@bharanidharsanthi6007 Bro, understand that a middle class coolie person who earned 10l in his entire career, wants to put it in fd expecting 5k per month to support his retirement life.
Bro can you explain Linked/Sweepin FD?
A sweep-in facility automatically transfers funds from your Fixed Deposit to your Savings Account whenever the balance is insufficient for a purchase or transaction, without affecting the interest rate on your Fixed Deposit.
@@finance.boosan thanks bro 👍
needed fd laddering
Fd laddering?
Fd laddering method
Bro - How about Bond gov or corporate bonds
How to Invest in BONDS? Things to see before investing in Bonds | What Platform Do I use?
ruclips.net/video/hxDrKQf8vWE/видео.html
@@finance.boosan thank you so much bro
FD LADDERING IN DETAIL
need fd laddering
not an useful video it's just another paid promotion 😒
Why do u think everyone is generously coming to share their knowledge or ideas on social media platform? Why not go make money. Why r they wasting their time explaining it to others. Bcoz To make more money of course!!
Agree!
Nifty 50 vs nifty large mid cap 250 which is best investment for long term (15 years) my child education
Here is more about N250 vs N50 : ruclips.net/video/e_VCy7fWGl0/видео.html
But videos about bond Market
How to Invest in BONDS? Things to see before investing in Bonds | What Platform Do I use?
ruclips.net/video/hxDrKQf8vWE/видео.html
Bro,Bank FD interest chart la, topla 7-14 days ku 3% interest nu potrukku athu unmaya.
3% per annum.
Yes. But that rate is for annum. Meaning your effective interest rate is =3%/(14/365)
@@finance.boosansame reply boosan..😅
14 days la FD matured and we get 3% interest. Then we open a new FD for same 14 days in the same year
( Principle x 0.03) / 365 is what u get per day
Stable Money has not included Unity Small Finance Bank which provides 9.00% interest for normal citizens
Don't invest in unity small finance bank! Lot of risk is there
@@malarenu what is the risk..It's a small finance Bank approved by RBI. You have a insurance coverage of 5 lakhs still. Pls explain what risks u foresee in this SFB
Bro, enakku oru doubt. 10 years la 50L goal ah achieve panna MF la invest pannitu varumpothu, correct ah 9th year la Market crash aachu na enna panna?
Market crash aachuna innum neraiya invest pannunga epdiyum one year recover aaidum neenga nenacha profit vida adhigama achieve panlaam
@@Rishi9361 No 1 year la romba recover aagathu
@@oneplus4105 election result crash eh one week later recover aaiduchu summa pesadha bro therinja maari
@@Rishi9361 Election result appo vantha crash vera.. Covid, Overall Economy problem naala Market crash aana recover aaga romba time aagum. Neegha ellam therinja maathiri pesathinga
Hi bro,
In 8 years - you may get approximately 100% return in mutual fund
In 9th year of your investment, as you said if it falls 20%, you will get 100-20= 80% profit which is good compared to FD. At that point if you have fear, you can consider exit from mutual fund.
No one can predict or time the market bro. We have to take our final decision
Anyone invest #postoffice fd?
Intrest penalty calculation is wrong in the video.
Lets take one example. The interest rate for 1 year is 7% and if we booke the FD for one year at the end of the one year we get full amount with 7 percent interest..
If we need to break the FD with in 3 months then the Banks interset rate for 3 months duration then the bank will deduct interest penalty as 1 percent then we get only 2 percent for our investment.... Not 6 percent
Yes this is right.. 👍
Yes, you're right; it was an oversimplified example. ROI changes based on when we break the investment. This was already mentioned in the text during the calculation.
Banks allow to break the FD at the same rate of interest to reinvest the amount in their special tenure FDs.
Bro ungala nambi stable money explore pani use panlamla?
StableMoney acts as an intermediary; the actual KYC and related processes are handled by the bank itself. As long as we trust the bank, we can use any platform to open an account.
Analogy: It's like ordering A2B food through Swiggy or Zomato-the food comes from A2B, and Swiggy or Zomato are just the intermediaries.
@@finance.boosan okay
This one looks like created just to promote stablemoney
Before your videos were good..now only for promotions...
fd laddering
Fd laddering
*"Blessed are those who can give without remembering and take without forgetting."* _
FD laddering
Fd ladder
*"What would you do if you weren't afraid."* _Spencer Johnson
Roses are red, violets are blue ...title is english so why not spoken language too😂😂?
Fd ladering
1 l
Fd Laddering
FD Laddering
My channel
If I deposit 10000 in fixed deposit, do I need to submit form 15H
Fd laddering