{"id":6278,"date":"2023-09-11T06:04:27","date_gmt":"2023-09-11T06:04:27","guid":{"rendered":"https:\/\/www.iseeahappyface.com\/?p=6278"},"modified":"2023-09-11T06:04:27","modified_gmt":"2023-09-11T06:04:27","slug":"4-best-fixed-deposit-investment-strategies-to-follow","status":"publish","type":"post","link":"https:\/\/www.iseeahappyface.com\/4-best-fixed-deposit-investment-strategies-to-follow\/","title":{"rendered":"4 best Fixed Deposit investment strategies to follow!\u00a0"},"content":{"rendered":"

 <\/p>\n

When young, you hustle to tick every personal or professional goal. As you age, you strive for peace and stability. You should make suitable investments during your hustle period and reap benefits from them later. Before opting for any, check your investment profile. <\/span>Fixed Deposits<\/span>are a convectional investment option preferred by new and seasonal investors. A massive investment earns you reasonable interest returns throughout your opted tenure.\u00a0<\/span><\/p>\n

You can invest in <\/span>FD<\/a> <\/strong>for any amount starting from Rs. 5,000. You can invest between seven days to five years. Generally, stay invested for a long tenure to maximise returns. You can also adopt a solid investment strategy. It helps you achieve various goals systematically.The following are the different strategies adopted:<\/span><\/p>\n

Laddering method\u00a0<\/b><\/p>\n

Laddering is a popular FD mode. Suppose you hold an FD worth Rs. 10 lakh for five years. In the second year of investment, you urgently need Rs. 2 lakh and consider breaking your FD. You need to bear a penalty and lose significant interest gains on breaking the FD prematurely. By adopting the laddering investment method, you make multiple FD investments of varying tenures.\u00a0<\/span><\/p>\n

Suppose you made five FD Investments of Rs. 2 lakh for tenure one, two, three, four, and five years respectively. You can utilise an <\/span>FD <\/span>nearing its maturity to meet your requirement. This way, you do not lose out on the interests.\u00a0<\/span><\/p>\n

Loan application<\/b><\/p>\n

Loans are another great way to meet unforeseen financial requirements. By pledging your FD as collateral, you get up to 90% of the FD value as a Loan amount. Since Loan against FD is a Secured Loan option, apply for them at a competitive <\/span>fdinterest rate<\/a><\/strong>. This makes Loan repayment affordable.\u00a0<\/span><\/p>\n

You can apply for a Loan within minutes using the <\/span>Banking App<\/b>. Improve your credit score and have all the necessary documents to facilitate seamless Loan approval.\u00a0<\/span><\/p>\n

Opt for cumulative Fixed Deposits\u00a0<\/b><\/p>\n

There are two types of FDs: cumulative and non-cumulative. You receive interest earnings quarterly or as the bank decides with the non-cumulative FD. In the case of a cumulative FD, your interest earnings are clubbed to the principal investment. This way, you can make more money.<\/span><\/p>\n

Look beyond bank deposits<\/b><\/p>\n

FDs are astandard financial product every bank offers. Generally, banks provide better FD interest rates. You can consider opening one with a leading bank. Check the bank\u2019s credit rating before investing. It would be best to opt for a bank with AAA or AA credit rating.\u00a0<\/span><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

  When young, you hustle to tick every personal or professional goal. As you age, you strive for peace and stability. You should make suitable investments during your hustle period and reap benefits from them later. Before opting for any, check your investment profile. Fixed Depositsare a convectional investment option preferred by new and seasonal investors. A massive investment earns you reasonable interest returns throughout your opted tenure.\u00a0 You can invest in FD for any amount starting from Rs. 5,000. You can invest between seven days to five years. Generally, stay invested for a long tenure to maximise returns. You can also adopt a solid investment strategy. It helps you achieve various goals systematically.The following are the different strategies adopted: Laddering method\u00a0 Laddering is a popular FD mode. Suppose you hold an FD worth Rs. 10 lakh for five years. In the second year of investment, you urgently need Rs. 2 lakh and consider breaking your FD. You need to bear a penalty and lose significant interest gains on breaking the FD prematurely. By adopting the laddering investment method, you make multiple FD investments of varying tenures.\u00a0 Suppose you made five FD Investments of Rs. 2 lakh for tenure one, […]<\/p>\n","protected":false},"author":2,"featured_media":6279,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[133],"tags":[],"yoast_head":"\n4 best Fixed Deposit investment strategies to follow!\u00a0 - I See A Happy Face<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.iseeahappyface.com\/4-best-fixed-deposit-investment-strategies-to-follow\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"4 best Fixed Deposit investment strategies to follow!\u00a0 - I See A Happy Face\" \/>\n<meta property=\"og:description\" content=\"  When young, you hustle to tick every personal or professional goal. As you age, you strive for peace and stability. You should make suitable investments during your hustle period and reap benefits from them later. Before opting for any, check your investment profile. Fixed Depositsare a convectional investment option preferred by new and seasonal investors. A massive investment earns you reasonable interest returns throughout your opted tenure.\u00a0 You can invest in FD for any amount starting from Rs. 5,000. You can invest between seven days to five years. Generally, stay invested for a long tenure to maximise returns. You can also adopt a solid investment strategy. It helps you achieve various goals systematically.The following are the different strategies adopted: Laddering method\u00a0 Laddering is a popular FD mode. Suppose you hold an FD worth Rs. 10 lakh for five years. In the second year of investment, you urgently need Rs. 2 lakh and consider breaking your FD. You need to bear a penalty and lose significant interest gains on breaking the FD prematurely. 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