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Fixed Deposit
A fixed deposit is a financial instrument provided
by banks which provides investors a fixed rate of
interest, until a given maturity date.
Some FDs of IDBI bank

1 to 10 years @ interest of 7.25% to7.5%

15 to 20 years @ interest of 4.5% to 8%


Benefits of investment in FD

Fixed rate of return

Provide liquidity

Flexible duration

Safety of capital

Rate of return on Fixed


Deposit:Year

Rate of
return

2015

9%

2014

8.75%

2013

8.75

2006

7.55
10%
rate of
return

9%
9%
8%
8%
7%
7%

2015

2014

2013

2006

Real Estate
Real estate is property consisting of land
and the building on it, along with its natural
resources, immovable property of this
nature, an interest vested in this.
Why people invest in real estate
More stable investment
Attractive & stable income return
Prices are at a low
It is a great long term investment

Sale price trends in Jaipur

Mutual Funds
A mutual fund is a investment vehicle that
is made up of a pool of funds collected from
many investors for the purpose of investing
in securities such as stocks, bonds, money
market instruments and similar assets.
There are three varieties of mutual funds:
1.Equity funds (stocks)
2.Fixed-income funds (bonds)
3.Money market funds

Mutual fund offer many


benefits:
1.
2.
3.
4.
5.
6.

Professional management of the funds


Highly liquid in nature
Diversification of the portfolio
Low cost of investment
Well regulated
Low cost of investment

Rate of return on mutual fund


Year

Rate of return

2015

29.76%

2014

32%

2013

34.23%

2011

24.19%

2006
40.00%

33.54%

35.00%
30.00%
25.00%
20.00%
15.00%

Rate of return

10.00%
5.00%
0.00%

2015 2014 2013 2011

Gold: as an investment
Gold is the most popular as an investment.
Investors generally buy gold as a way of
diversifying risk, especially through the use
of future contracts and derivatives.
The gold market is subject to speculation
and volatility as are other investment.
The central bank (RBI) and the international
monetary funs play an important role in the
gold price

Opening & Closing gold rates in


rupees, for 10 gram
Time period

Opening rates

Closing rates

31-july-2015

2808.68

2778.16

31-july-2014

3920.20

3906.82

31-july-2013

3847.79

3879.64

31-july-2012

3774.04

3766.84

31-july-2006

2321.41

2334.33

Investment in stock
market
A stock market, equity market or share
market is the aggregation of buyers and
sellers of stocks (also called shares);these
may include securities listed on a stock
exchange as well as those only traded
privately.
Regulation in india:- Indian capital market
are regulated and monitored by the Ministry
of finance, The securities and exchange
board of India(SEBI) and the Reserve Bank
of India (RBI).

Stock market of India has two indices:1.Nifty


2.Sensex
Reasons

to invest in stock market: Reach your financial goals with the right
mix of investment.
Reduce investing risk with a solid asset
allocation strategy.
Reduce risk with a well- planned strategy
for buying and selling stocks.
Keep pace with inflation

Bond
A

bond is a debt investment in which an


investor loans money to an entity which
borrows the funds for a defined period of
time at a variable or fixed interest rate.
Advantages of investment in bonds
Slow and steady predictable returns
To earn a predictable stream of income
A safe haven for your money

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