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Economy Fiscally fit?

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  #31  
Old March 8th, 2019, 10:17 PM
Napolean Napolean is offline
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Re: Stocks discussion

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Originally Posted by raniraja View Post
Not familiar much with the American markets. What is ETSY ??

Anyway, the point is that investing directly in the stocks needs continuous active management. Nothing safer than the Post Office FDs in India. As for the rest, use some mutual funds, only with the excessive money you have.

Another option seriously considered these days are the Liquid funds, which have consistently given about 8% p.a. returns. After 10% capital gains tax, it still translates to >7% net.
One argument that I have heard against FDs is that interest rate is less than rate of inflation. So you are not gaining anything by FDs.

Is this argument true?
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Old March 8th, 2019, 10:50 PM
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raniraja raniraja is offline
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Re: Stocks discussion

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Originally Posted by Napolean View Post
One argument that I have heard against FDs is that interest rate is less than rate of inflation. So you are not gaining anything by FDs.

Is this argument true?
Yes, it is true for higher income groups, where the Income Tax is more than 10%. That is why short term funds and liquid funds are gaining acceptance, because you will need to only pay 10% dividend distribution tax for the first year, and then nothing. Also, there is no entry and exit load for the liquid funds.
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