Avenues for investments include: Public Equity (Listed Companies) Private Equity (Startups, Own business) Equity and Debt Mutual Funds Bonds Fixed Deposits Government Schemes, etc. While dealing with my own clients', I see a lot of people who have had very bad experiences in the past. Such experiences include the erosion of capital due to greed or less prudent decisions in public equity markets. These people never return to equities for a lifetime and stick to fixed-income investments. Retirees primarily invest in fixed income securities, as risk appetite comes down as age increases. One of the avenues for Indians to save and park money has been fixed deposits. Debt funds are a good alternative to fixed deposits. Where do Debt Mutual Funds Invest? Features of Debt Funds and Fixed Deposits? The best part of debt funds: In case of fixed deposits, one has to pay tax on the interest every year. This is not the case with debt funds. Unless and until you sell the debt funds investments,...
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