Fixed deposits are great investments for long term. However one should first understand his or her requirements and risk profile and choose the right investment for wealth creation

1. #4
Reasons of Why you
Should AVIOD
Fixed Deposits

2. Fixed Deposit
• Fixed deposit (FD) is a financial instrument issued by banks or corporates
which provides investors or deposit holders , with a Fixed rate of return.
• FDs are generally considered to be safest investment
• The rate of interest in India is currently in the range of 8-9.5%.

3. # 1 Reason
Returns
As seen from the graph,
returns on FDs are
comparatively Lower
than
• Shares
• Gold
9.0%
-10.4%
7.8%
18.7%
24.6%
27.4%
32.5%
4.8%
-10.1%
-3.7%
6.0%
9.5%
8.5% 9.0% 8.5%9.5%
8.6%
8.8% 8.7% 8.7%
-15.0%
-10.0%
-5.0%
0.0%
5.0%
10.0%
15.0%
20.0%
25.0%
30.0%
35.0%
Mar-11 Mar-12 Mar-13 Mar-14 Mar-15
Last 5 Year Returns
Sensex Gold FD PPF
* Return as on 26 June 2015. Source AdviseSure Research

4. # 2 Reason
Tax
Banks deduct TDS of 10% on interest income if the interest is greater than Rs.10,000 per year
Equity Mutual Funds
Debt Mutual Funds
Fixed Deposit Tax on Interest as per Tax Slab of Investor
Tax free if Sold after 1 year. 15% tax in case sold within 1 year of PurchaseShares
Bonds
Tax free if Sold after 1 year. 15% tax in case sold within 1 year of Purchase
10% Tax if Sold after 3 years. If Sold within 3 years then as per Tax Slab of Investor
Tax on Interest as per Normal Income Slab
For Detailed Analysis refer our Taxation page

5. # 3 Reason
Inflation
Present rate of inflation is 6%.
• BSE Sensex has delivered 11.9%
Annual Return in past 5 years
• Comparatively returns on FD after
adjusting for inflation is ~2% which is
very low
As you can see in Chart , Shares provide an
excellent protection against inflation and are
very beneficial in the long run
Source: AdviseSure Research
12%
9% 9%
11%
6%
9%
-10%
8%
19%
25%
-15%
-10%
-5%
0%
5%
10%
15%
20%
25%
30%
2010 2011 2012 2013 2014
Inflation vs Sensex vs FD
Inflation Sensex
* Return as on 26 June 2015. Source AdviseSure Research

6. Advisory Fees Rs. 365 Per Annum
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@Rs. 1 per day
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7. Right Approach
Risk Profiling
Knowing-
Risk Capacity- How much
Risk you can afford to take
Risk Attitude- How much
Risk you want to take
Financial Goals
Knowing-
All Financial Goals of the life
The Inflation adjusted
amount required to meet
them
Right Portfolio
Investment Products right
as per risk profile
Portfolio which is tax
efficient
Buy/ Sell
With least Brokerage &
Commission
With Nil hidden costs
Regular
Monitoring
Of Portfolio and Markets
Rebalance Investments
when required
1 2 3 4 5

8. Financial Management @ Rs 1 per day
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Advice
Monthly Savings
Advice
Tax Saving
Investments
Portfolio Restructuring
Advice
Goal Planning Online
Transaction
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
In case you want to Buy and
Sell any product
In case you want to Plan your
Financial Goals
If you want to Restructure
your portfolio

9. Why AdviseSure
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