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What comes to your mind when you think of making investments for future needs?

When it comes to different investment options in India, fixed deposits (FD) top the popularity charts. It is not unusual to find people having invested in them for all kinds of needs, be it those for the longer-term or to meet imminent needs. Unfortunately, this often means ignoring four potent dangers faced by FDs.

Four Limitations Of Fixed Deposits

It is a fine balance every investor needs to achieve. We need to pay the taxes due from us. Yet, we need to plan our taxes especially on our investments. The idea is to make more money available for growth so that we save ample amounts for future needs. But how does one do that?

You like the sound of the ping on your mobile phone informing when pay gets credited every month. But how can you ensure that the sweet sound continues even in retirement? You will still need a regular income to meet your regular expenses. That’s not all.

Numerical examples explaining the methodology of calculating the subscription price of units:

1. Sale Price - Ongoing price

Ongoing price for subscription (purchase)/switch-in (from other Schemes/plans of the mutual fund) by investors.

Purchase Price = Applicable NAV (for respective plan and option of the scheme)

Example: An investor invests Rs. 10,000/- and the current NAV is Rs. 10/- then the purchase price will be Rs. 10/- and the investor receives 10,000/10 = 1000 units.

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