5 CRITICAL THINGS WHILE CHOOSING FIXED DEPOSIT

1. #5 Critical Things to check before Investing in FD

2. Understand your profile 1 Risk Profile Investment Objective Conservative Protect investment from loss  Check your Risk Attitude and Risk Capacity Moderate Capital growth along with capital appreciation Moderately aggressive Capital growth with calculated risk  Know what is your objective in terms of Growth? Aggressive High risk for super natural returns

3. Calculate your Goals 2 Steps to calculate amount  Step 1-List down all the financial goals of life with expected dates  Step 2-Put the amount of money required to meet those goals.  Step 3-Defining how much money should one invest today to achieve those goals.

4. Decide on Investing in FD 3 Risk Profile Investment Style Mix of Debt Mutual Fund, Fixed Deposits, PPF Conservative There are different Products available for different investors. Mix of Balanced Mutual fund & Fixed Deposits, PPF Moderate Choose mix of products as per the risk profile and returns expected Mix of Shares, Diversified Equity Mutual Funds, Balanced fund, PPF, Fixed deposits Moderately aggressive Mix of Shares Diversified Equity Funds, Mid cap fund, PPF Aggressive

5. Selection Criteria 1-Interest 4  Interest is the reward to the investor.  Interest is paid annually and compounded quarterly.  It is usually mentioned in percentage of the principal  The amount of interest is principal amount multiplied by interest rate. Higher the interest better the return

6. Check Right Portfolio , as per your Risk profile FREE Start Now Continue reading…

7. Compounding 5  Compounding is the interest generated on the interest accrued on the principle.  The interest is added back to the principle.  This happens every 6 months in FD.  This process of adding back the income to the principle is called compounding. FDs with shorter compounding period gives better return

8. Tax on Returns 6 Tax Applicable Individual/HUF Tax on Interest As per the income slab TDS(Tax Deducted at source) if interest is greater than Rs.10,000 10% of the interest income

9. We Offer Advisory Fees Rs. 365 Per Annum Customized advise only for you Regular Review and Rebalancing Customized , unbiased Wealth Management @Rs. 1 per day Unlimited Long Term Investment Advise Start Now Tax efficient portfolio design No Minimum investment Substantial Savings in Commission (Optional)

10. What You get@ Rs 1 Wealth Creation Advice Monthly Savings Advice Tax Saving Investments In case you want to invest Lump Sum In case you want to invest On Monthly basis In case you want to Make Tax Saving Investments Portfolio Restructuring Advice Online Transaction Goal Planning If you want to Restructure your portfolio In case you want to Plan your Financial Goals In case you want to Buy and Sell any product

11. Right Process 1 2 3 4 5 Financial Goals Knowing- Risk Profiling Knowing- Right Portfolio Buy/ Sell Regular Monitoring Investment Products right as per risk profile With least Brokerage & Commission Of Portfolio and Markets All Financial Goals of the life Risk Capacity- How much Risk you can afford to take The amount required to meet them Inflation adjusted Portfolio efficient which is tax With Nil hiddencosts Rebalance when required Investments Risk Attitude- How much Risk you want to take Know Best 5 shares for your Risk Profile Start Now

12. Why AdviseSure Our Simple and easy Personal Finance Tools & self-help process, ensures that you take Better control of your entire Finance in 7 Minutes , to your satisfaction. Simple & Easy Paperless Process Invest and Manage Online , on a Single Click. No need to Fill boring Physical forms and storing statements. Manage Your Finance with easy and simple back office.. Multiproduct We advice on almost all Financial Products except banking accounts. You can transact in all products through us. Our technology will ensure superior Experience We don't Push Products to our Customers Like Agents or Brokers, for commissions or brokerages. You can continue buying and selling with your current Broker or Agent. However you can also transact through us at substantial low Cost. Cost Effective Online Access You can manage your account from anywhere through multiple support points

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