SlideShare a Scribd company logo
Why Shouldn’t I Invest in a Fixed Deposit?
Sachin Karpe Explains
Why shouldn't I invest in a Fixed Deposit? is the most
common question asked by the investors. Will you invest in
a FD of 10k, if the net return will be 6.3% instead of an
overall return of
9%?
Sachin
Karpe
explains how the
fixed
deposit
calculated. If you
have a fixed deposit
of Rs. 10,000 with
9% interest rate, pre-tax interest earned during the year
would be Rs. 900. Tax on the interest earned at 30% tax rate
would be Rs. 270 and net amount earned by the investor
would be Rs. 630. This translates into a net return of 6.3%
which is much lower than the presumed return.

Sachin Karpe also advices to invest in long term fixed
income i.e., debt mutual funds. Long-term capital gains on
investments in debt mutual funds are taxed either at 10 per
cent flat rate on 20 per cent indexed. Average return of
short-term debt funds in the last 3 years is 8.9 per cent. If an
individual decides to invest Rs. 10,000 in a short-term debt
mutual fund, pre-tax returns earned for one year would be
Rs. 890. At a flat 10 per cent tax, Rs. 89 would the tax
amount. Net capital gain would be Rs. 801, whereas posttax interest earned would be 8.01 per cent which is more
than the interest rate of fixed deposit.

Find Sachin Karpe – A Business Consultant @
https://www.facebook.com/sachin.karpe.9638
Follow Sachin Karpe @
https://twitter.com/Karpe_Sachin
Websites :
http://sachinkarpe.in
http://sachinkarpe.org
http://sachinkarpe.co.in

More Related Content

What's hot

Will fd rates become unattractive
Will fd rates become unattractiveWill fd rates become unattractive
Will fd rates become unattractive
Righthorizon
 
Zee Learn
Zee LearnZee Learn
Zee Learn
Axis Direct
 
work sample for clients
work sample for clientswork sample for clients
work sample for clients
adeel Rajper
 
Investment options to help you save taxes under income tax act
Investment options to help you save taxes under income tax actInvestment options to help you save taxes under income tax act
Investment options to help you save taxes under income tax act
PulakKumar7
 
Liquid funds importance
Liquid funds importanceLiquid funds importance
Liquid funds importance
NITIN SAWANT
 
fina 311 report
fina 311 reportfina 311 report
fina 311 report
Mohammed alshaiban
 
IDFC Bond Fund Medium Term Plan_Fund spotlight
IDFC Bond Fund Medium Term Plan_Fund spotlightIDFC Bond Fund Medium Term Plan_Fund spotlight
IDFC Bond Fund Medium Term Plan_Fund spotlight
IDFCJUBI
 
Time value concepts
Time value conceptsTime value concepts
Mutual Funds
Mutual FundsMutual Funds
Mutual Funds
guestd6a5dfc
 
Mutual Funds
Mutual FundsMutual Funds
Mutual Funds
Kunaldoshi
 
Time value of money ppt.
Time value of money ppt.Time value of money ppt.
Time value of money ppt.
priya sinha
 
De8 asheville savings bank 2011
De8   asheville savings bank 2011De8   asheville savings bank 2011
De8 asheville savings bank 2011
JeffHale
 
Banking definations
Banking definationsBanking definations
Banking definations
Aniket Gupta
 
Nirc annual report2014
Nirc annual report2014Nirc annual report2014
Nirc annual report2014
Saurabh Sharma
 
SBI Dynamic Asset Allocation Fund: A Hybrid Mutual Fund Scheme - Aug 16
SBI Dynamic Asset Allocation Fund: A Hybrid Mutual Fund Scheme - Aug 16SBI Dynamic Asset Allocation Fund: A Hybrid Mutual Fund Scheme - Aug 16
SBI Dynamic Asset Allocation Fund: A Hybrid Mutual Fund Scheme - Aug 16
SBI Mutual Fund
 
Weekly market report 03 apr 17 to 07 apr 17
Weekly market report 03 apr 17 to 07 apr 17Weekly market report 03 apr 17 to 07 apr 17
Weekly market report 03 apr 17 to 07 apr 17
Right Horizons
 
Financial Planning for Millennials
Financial Planning for MillennialsFinancial Planning for Millennials
Financial Planning for Millennials
Quantum Mutual Fund
 
Muhammad asad
Muhammad asadMuhammad asad
SBI Short Term Debt Fund : An Open Ended Debt Fund - Aug 2016
SBI Short Term Debt Fund : An Open Ended Debt Fund - Aug 2016SBI Short Term Debt Fund : An Open Ended Debt Fund - Aug 2016
SBI Short Term Debt Fund : An Open Ended Debt Fund - Aug 2016
SBI Mutual Fund
 
Increasing Personal Retirement
Increasing Personal RetirementIncreasing Personal Retirement
Increasing Personal Retirement
Lindsay Brasington
 

What's hot (20)

Will fd rates become unattractive
Will fd rates become unattractiveWill fd rates become unattractive
Will fd rates become unattractive
 
Zee Learn
Zee LearnZee Learn
Zee Learn
 
work sample for clients
work sample for clientswork sample for clients
work sample for clients
 
Investment options to help you save taxes under income tax act
Investment options to help you save taxes under income tax actInvestment options to help you save taxes under income tax act
Investment options to help you save taxes under income tax act
 
Liquid funds importance
Liquid funds importanceLiquid funds importance
Liquid funds importance
 
fina 311 report
fina 311 reportfina 311 report
fina 311 report
 
IDFC Bond Fund Medium Term Plan_Fund spotlight
IDFC Bond Fund Medium Term Plan_Fund spotlightIDFC Bond Fund Medium Term Plan_Fund spotlight
IDFC Bond Fund Medium Term Plan_Fund spotlight
 
Time value concepts
Time value conceptsTime value concepts
Time value concepts
 
Mutual Funds
Mutual FundsMutual Funds
Mutual Funds
 
Mutual Funds
Mutual FundsMutual Funds
Mutual Funds
 
Time value of money ppt.
Time value of money ppt.Time value of money ppt.
Time value of money ppt.
 
De8 asheville savings bank 2011
De8   asheville savings bank 2011De8   asheville savings bank 2011
De8 asheville savings bank 2011
 
Banking definations
Banking definationsBanking definations
Banking definations
 
Nirc annual report2014
Nirc annual report2014Nirc annual report2014
Nirc annual report2014
 
SBI Dynamic Asset Allocation Fund: A Hybrid Mutual Fund Scheme - Aug 16
SBI Dynamic Asset Allocation Fund: A Hybrid Mutual Fund Scheme - Aug 16SBI Dynamic Asset Allocation Fund: A Hybrid Mutual Fund Scheme - Aug 16
SBI Dynamic Asset Allocation Fund: A Hybrid Mutual Fund Scheme - Aug 16
 
Weekly market report 03 apr 17 to 07 apr 17
Weekly market report 03 apr 17 to 07 apr 17Weekly market report 03 apr 17 to 07 apr 17
Weekly market report 03 apr 17 to 07 apr 17
 
Financial Planning for Millennials
Financial Planning for MillennialsFinancial Planning for Millennials
Financial Planning for Millennials
 
Muhammad asad
Muhammad asadMuhammad asad
Muhammad asad
 
SBI Short Term Debt Fund : An Open Ended Debt Fund - Aug 2016
SBI Short Term Debt Fund : An Open Ended Debt Fund - Aug 2016SBI Short Term Debt Fund : An Open Ended Debt Fund - Aug 2016
SBI Short Term Debt Fund : An Open Ended Debt Fund - Aug 2016
 
Increasing Personal Retirement
Increasing Personal RetirementIncreasing Personal Retirement
Increasing Personal Retirement
 

Viewers also liked

S lideshare wrc (12)
S lideshare wrc (12)S lideshare wrc (12)
S lideshare wrc (12)
stevemfmm23
 
장기렌트카 제주한라산
장기렌트카 제주한라산장기렌트카 제주한라산
장기렌트카 제주한라산
jmeryer
 
우체국보험약관대출『LG777』.『XYZ』인터넷채팅 농어민미국비자
우체국보험약관대출『LG777』.『XYZ』인터넷채팅 농어민미국비자우체국보험약관대출『LG777』.『XYZ』인터넷채팅 농어민미국비자
우체국보험약관대출『LG777』.『XYZ』인터넷채팅 농어민미국비자
jmeryer
 
제주여행할인\【 FUN88。CO。KR】\용문산
제주여행할인\【 FUN88。CO。KR】\용문산제주여행할인\【 FUN88。CO。KR】\용문산
제주여행할인\【 FUN88。CO。KR】\용문산
jmeryer
 
제주단체관광\【 FUN88。CO。KR】\제주도골프투어
제주단체관광\【 FUN88。CO。KR】\제주도골프투어제주단체관광\【 FUN88。CO。KR】\제주도골프투어
제주단체관광\【 FUN88。CO。KR】\제주도골프투어
jmeryer
 
겟잇뷰티파운데이션
겟잇뷰티파운데이션겟잇뷰티파운데이션
겟잇뷰티파운데이션
jmeryer
 
제주관광안내//LG77。XYZ//소백산
제주관광안내//LG77。XYZ//소백산제주관광안내//LG77。XYZ//소백산
제주관광안내//LG77。XYZ//소백산
jmeryer
 
런던항공
런던항공런던항공
런던항공
jmeryer
 
義守大學工程系-就業共同核心課程-詹翔霖教授
義守大學工程系-就業共同核心課程-詹翔霖教授義守大學工程系-就業共同核心課程-詹翔霖教授
義守大學工程系-就業共同核心課程-詹翔霖教授
翔霖 詹
 
3rd eso extreme sports questions
3rd eso extreme sports questions3rd eso extreme sports questions
3rd eso extreme sports questions
Reyes Sarmiento Cabero
 
Scattergories
ScattergoriesScattergories
Scattergories
Reyes Sarmiento Cabero
 
Symposium poster_2016_final
Symposium poster_2016_finalSymposium poster_2016_final
Symposium poster_2016_final
Zachary Kisfalusi
 
KPK COLLEGE FORMAT RESUME(1)
KPK COLLEGE FORMAT RESUME(1)KPK COLLEGE FORMAT RESUME(1)
KPK COLLEGE FORMAT RESUME(1)
Krishna Pawan Kumar G.N.
 
ECE 311 WEEK 5 FINAL PAPER
ECE 311 WEEK 5 FINAL PAPERECE 311 WEEK 5 FINAL PAPER
ECE 311 WEEK 5 FINAL PAPER
hwacer123
 
Comprobar las identidades
Comprobar las identidadesComprobar las identidades
Comprobar las identidades
saenz227
 
JLL Pittsburgh Chart of the Week: August 10, 2015
JLL Pittsburgh Chart of the Week: August 10, 2015JLL Pittsburgh Chart of the Week: August 10, 2015
JLL Pittsburgh Chart of the Week: August 10, 2015
JLL_Midwest_Great_Lakes_Research
 
ACC 400 COMPLETE CLASS
ACC 400 COMPLETE CLASSACC 400 COMPLETE CLASS
ACC 400 COMPLETE CLASS
hwacer123
 
Recurso Concurso Inea Direito Administrativo
Recurso Concurso Inea Direito AdministrativoRecurso Concurso Inea Direito Administrativo
Recurso Concurso Inea Direito Administrativo
Concurso Virtual
 

Viewers also liked (18)

S lideshare wrc (12)
S lideshare wrc (12)S lideshare wrc (12)
S lideshare wrc (12)
 
장기렌트카 제주한라산
장기렌트카 제주한라산장기렌트카 제주한라산
장기렌트카 제주한라산
 
우체국보험약관대출『LG777』.『XYZ』인터넷채팅 농어민미국비자
우체국보험약관대출『LG777』.『XYZ』인터넷채팅 농어민미국비자우체국보험약관대출『LG777』.『XYZ』인터넷채팅 농어민미국비자
우체국보험약관대출『LG777』.『XYZ』인터넷채팅 농어민미국비자
 
제주여행할인\【 FUN88。CO。KR】\용문산
제주여행할인\【 FUN88。CO。KR】\용문산제주여행할인\【 FUN88。CO。KR】\용문산
제주여행할인\【 FUN88。CO。KR】\용문산
 
제주단체관광\【 FUN88。CO。KR】\제주도골프투어
제주단체관광\【 FUN88。CO。KR】\제주도골프투어제주단체관광\【 FUN88。CO。KR】\제주도골프투어
제주단체관광\【 FUN88。CO。KR】\제주도골프투어
 
겟잇뷰티파운데이션
겟잇뷰티파운데이션겟잇뷰티파운데이션
겟잇뷰티파운데이션
 
제주관광안내//LG77。XYZ//소백산
제주관광안내//LG77。XYZ//소백산제주관광안내//LG77。XYZ//소백산
제주관광안내//LG77。XYZ//소백산
 
런던항공
런던항공런던항공
런던항공
 
義守大學工程系-就業共同核心課程-詹翔霖教授
義守大學工程系-就業共同核心課程-詹翔霖教授義守大學工程系-就業共同核心課程-詹翔霖教授
義守大學工程系-就業共同核心課程-詹翔霖教授
 
3rd eso extreme sports questions
3rd eso extreme sports questions3rd eso extreme sports questions
3rd eso extreme sports questions
 
Scattergories
ScattergoriesScattergories
Scattergories
 
Symposium poster_2016_final
Symposium poster_2016_finalSymposium poster_2016_final
Symposium poster_2016_final
 
KPK COLLEGE FORMAT RESUME(1)
KPK COLLEGE FORMAT RESUME(1)KPK COLLEGE FORMAT RESUME(1)
KPK COLLEGE FORMAT RESUME(1)
 
ECE 311 WEEK 5 FINAL PAPER
ECE 311 WEEK 5 FINAL PAPERECE 311 WEEK 5 FINAL PAPER
ECE 311 WEEK 5 FINAL PAPER
 
Comprobar las identidades
Comprobar las identidadesComprobar las identidades
Comprobar las identidades
 
JLL Pittsburgh Chart of the Week: August 10, 2015
JLL Pittsburgh Chart of the Week: August 10, 2015JLL Pittsburgh Chart of the Week: August 10, 2015
JLL Pittsburgh Chart of the Week: August 10, 2015
 
ACC 400 COMPLETE CLASS
ACC 400 COMPLETE CLASSACC 400 COMPLETE CLASS
ACC 400 COMPLETE CLASS
 
Recurso Concurso Inea Direito Administrativo
Recurso Concurso Inea Direito AdministrativoRecurso Concurso Inea Direito Administrativo
Recurso Concurso Inea Direito Administrativo
 

Similar to Why Shouldn’t I Invest in a Fixed Deposit?

Financial planning Revised.pptx
Financial planning Revised.pptxFinancial planning Revised.pptx
Financial planning Revised.pptx
Nitin33349
 
Analysis of tax saving investments
Analysis of tax saving investmentsAnalysis of tax saving investments
Analysis of tax saving investments
Manaan Choksi
 
Tarakki ki EMI= SIP
Tarakki ki EMI= SIPTarakki ki EMI= SIP
Tarakki ki EMI= SIP
Ventura Securities Ltd.
 
Indian Postal Schemes
Indian Postal Schemes Indian Postal Schemes
Indian Postal Schemes
KoppisettiBhargav
 
Think Fundsindia - May 2016
Think Fundsindia - May 2016Think Fundsindia - May 2016
Think Fundsindia - May 2016
FundsIndia.com
 
Introduction to finance
Introduction to financeIntroduction to finance
Introduction to finance
Karthik Ananth
 
Mukesh Kumar
Mukesh KumarMukesh Kumar
Mukesh Kumar
Mukesh Kumar
 
Capital Protection Fund
Capital Protection FundCapital Protection Fund
Capital Protection Fund
Motilal Oswal Financial Services
 
Templeton India Pension Plan
Templeton India Pension PlanTempleton India Pension Plan
Templeton India Pension Plan
balav78
 
Personal financial planning
Personal financial planningPersonal financial planning
Personal financial planning
Sagayaraj Irudhayaraj
 
Know about Fundamentals of Fixed Deposits
Know about Fundamentals of Fixed DepositsKnow about Fundamentals of Fixed Deposits
Know about Fundamentals of Fixed Deposits
Narendra Pratap
 
Lecture 6 time value of money
Lecture 6 time value of moneyLecture 6 time value of money
Lecture 6 time value of money
Kritika Jain
 
Basic Knowledge on Stock Market
Basic Knowledge on Stock MarketBasic Knowledge on Stock Market
Basic Knowledge on Stock Market
Caliberise Ltd
 
SIMPLE-INTERST.pptx
SIMPLE-INTERST.pptxSIMPLE-INTERST.pptx
SIMPLE-INTERST.pptx
AlyssaMaeGobangco
 
FD vs Debt Fund
FD vs Debt FundFD vs Debt Fund
FD vs Debt Fund
Nimesh Dedhia
 
Why Invest for Retirement?
Why Invest for Retirement?Why Invest for Retirement?
Why Invest for Retirement?
Digital PurplePond
 
Tax saving debt instrument for conservative investore
Tax saving debt instrument for conservative investoreTax saving debt instrument for conservative investore
Tax saving debt instrument for conservative investore
Reshi Sharma
 
Need to Invest.pptx
Need to Invest.pptxNeed to Invest.pptx
Need to Invest.pptx
SorabhsumanTiwari
 
ET FinPro Mod 06 (Tax saving debt instruments)
ET FinPro Mod 06 (Tax saving debt instruments)ET FinPro Mod 06 (Tax saving debt instruments)
ET FinPro Mod 06 (Tax saving debt instruments)
Karishma Biswal
 
Best short term investment plans in india myinvestmentideas.com
Best short term investment plans in india   myinvestmentideas.comBest short term investment plans in india   myinvestmentideas.com
Best short term investment plans in india myinvestmentideas.com
Myinvestmentideas.com
 

Similar to Why Shouldn’t I Invest in a Fixed Deposit? (20)

Financial planning Revised.pptx
Financial planning Revised.pptxFinancial planning Revised.pptx
Financial planning Revised.pptx
 
Analysis of tax saving investments
Analysis of tax saving investmentsAnalysis of tax saving investments
Analysis of tax saving investments
 
Tarakki ki EMI= SIP
Tarakki ki EMI= SIPTarakki ki EMI= SIP
Tarakki ki EMI= SIP
 
Indian Postal Schemes
Indian Postal Schemes Indian Postal Schemes
Indian Postal Schemes
 
Think Fundsindia - May 2016
Think Fundsindia - May 2016Think Fundsindia - May 2016
Think Fundsindia - May 2016
 
Introduction to finance
Introduction to financeIntroduction to finance
Introduction to finance
 
Mukesh Kumar
Mukesh KumarMukesh Kumar
Mukesh Kumar
 
Capital Protection Fund
Capital Protection FundCapital Protection Fund
Capital Protection Fund
 
Templeton India Pension Plan
Templeton India Pension PlanTempleton India Pension Plan
Templeton India Pension Plan
 
Personal financial planning
Personal financial planningPersonal financial planning
Personal financial planning
 
Know about Fundamentals of Fixed Deposits
Know about Fundamentals of Fixed DepositsKnow about Fundamentals of Fixed Deposits
Know about Fundamentals of Fixed Deposits
 
Lecture 6 time value of money
Lecture 6 time value of moneyLecture 6 time value of money
Lecture 6 time value of money
 
Basic Knowledge on Stock Market
Basic Knowledge on Stock MarketBasic Knowledge on Stock Market
Basic Knowledge on Stock Market
 
SIMPLE-INTERST.pptx
SIMPLE-INTERST.pptxSIMPLE-INTERST.pptx
SIMPLE-INTERST.pptx
 
FD vs Debt Fund
FD vs Debt FundFD vs Debt Fund
FD vs Debt Fund
 
Why Invest for Retirement?
Why Invest for Retirement?Why Invest for Retirement?
Why Invest for Retirement?
 
Tax saving debt instrument for conservative investore
Tax saving debt instrument for conservative investoreTax saving debt instrument for conservative investore
Tax saving debt instrument for conservative investore
 
Need to Invest.pptx
Need to Invest.pptxNeed to Invest.pptx
Need to Invest.pptx
 
ET FinPro Mod 06 (Tax saving debt instruments)
ET FinPro Mod 06 (Tax saving debt instruments)ET FinPro Mod 06 (Tax saving debt instruments)
ET FinPro Mod 06 (Tax saving debt instruments)
 
Best short term investment plans in india myinvestmentideas.com
Best short term investment plans in india   myinvestmentideas.comBest short term investment plans in india   myinvestmentideas.com
Best short term investment plans in india myinvestmentideas.com
 

More from Sachin Karpe

KEY STEPS FOR APPLYING FOR A CREDIT CARD. SACHIN KARPE’S POINT OF VIEW
KEY STEPS FOR APPLYING FOR A CREDIT CARD. SACHIN KARPE’S POINT OF VIEWKEY STEPS FOR APPLYING FOR A CREDIT CARD. SACHIN KARPE’S POINT OF VIEW
KEY STEPS FOR APPLYING FOR A CREDIT CARD. SACHIN KARPE’S POINT OF VIEW
Sachin Karpe
 
5 Ways to Deal with Mumbai Monsoon
5 Ways to Deal with Mumbai Monsoon5 Ways to Deal with Mumbai Monsoon
5 Ways to Deal with Mumbai Monsoon
Sachin Karpe
 
What influences working capital management
What influences working capital managementWhat influences working capital management
What influences working capital management
Sachin Karpe
 
Volatile Banking Stocks: Sachin Karpe
Volatile Banking Stocks: Sachin KarpeVolatile Banking Stocks: Sachin Karpe
Volatile Banking Stocks: Sachin Karpe
Sachin Karpe
 
Ways to Maximize your Motivation all the Time
Ways to Maximize your Motivation all the TimeWays to Maximize your Motivation all the Time
Ways to Maximize your Motivation all the Time
Sachin Karpe
 
What does it to take to be successful at what you do?
What does it to take to be successful at what you do?What does it to take to be successful at what you do?
What does it to take to be successful at what you do?
Sachin Karpe
 
Best and Better Way to Invest
Best and Better Way to InvestBest and Better Way to Invest
Best and Better Way to Invest
Sachin Karpe
 
Steps to Prepare for An Interview
Steps to Prepare for An InterviewSteps to Prepare for An Interview
Steps to Prepare for An Interview
Sachin Karpe
 
Wish to Become a Writer or Grow Your Business
Wish to Become a Writer or Grow Your BusinessWish to Become a Writer or Grow Your Business
Wish to Become a Writer or Grow Your Business
Sachin Karpe
 
Qualities that Make a Great Leader
Qualities that Make a Great LeaderQualities that Make a Great Leader
Qualities that Make a Great Leader
Sachin Karpe
 
Importance of Logo in Business
Importance of Logo in BusinessImportance of Logo in Business
Importance of Logo in Business
Sachin Karpe
 
Sachin Karpe's Rules to Invest Wisely
Sachin Karpe's Rules to Invest WiselySachin Karpe's Rules to Invest Wisely
Sachin Karpe's Rules to Invest Wisely
Sachin Karpe
 
Financial Planning Tips from Sachin Karpe
Financial Planning Tips from Sachin KarpeFinancial Planning Tips from Sachin Karpe
Financial Planning Tips from Sachin Karpe
Sachin Karpe
 
Keys to business success by sachin karpe
Keys to business success by sachin karpeKeys to business success by sachin karpe
Keys to business success by sachin karpe
Sachin Karpe
 
Why is a business plan important explains sachin karpe
Why is a business plan important explains sachin karpeWhy is a business plan important explains sachin karpe
Why is a business plan important explains sachin karpe
Sachin Karpe
 
Heat wave across North India as rest of the world braces for El Nino says Sac...
Heat wave across North India as rest of the world braces for El Nino says Sac...Heat wave across North India as rest of the world braces for El Nino says Sac...
Heat wave across North India as rest of the world braces for El Nino says Sac...
Sachin Karpe
 
Sun Pharma to acquire Ranbaxy in $4bn transaction says Sachin Karpe
Sun Pharma to acquire Ranbaxy in $4bn transaction says Sachin KarpeSun Pharma to acquire Ranbaxy in $4bn transaction says Sachin Karpe
Sun Pharma to acquire Ranbaxy in $4bn transaction says Sachin Karpe
Sachin Karpe
 
The significance of Life by Sachin Karpe
The significance of Life by Sachin KarpeThe significance of Life by Sachin Karpe
The significance of Life by Sachin Karpe
Sachin Karpe
 
Sachin Karpe talks about Sachin Tendulkar's Long Journey
Sachin Karpe talks about Sachin Tendulkar's Long JourneySachin Karpe talks about Sachin Tendulkar's Long Journey
Sachin Karpe talks about Sachin Tendulkar's Long Journey
Sachin Karpe
 
How to treat your customers or clients to grow your business
How to treat your customers or clients to grow your businessHow to treat your customers or clients to grow your business
How to treat your customers or clients to grow your business
Sachin Karpe
 

More from Sachin Karpe (20)

KEY STEPS FOR APPLYING FOR A CREDIT CARD. SACHIN KARPE’S POINT OF VIEW
KEY STEPS FOR APPLYING FOR A CREDIT CARD. SACHIN KARPE’S POINT OF VIEWKEY STEPS FOR APPLYING FOR A CREDIT CARD. SACHIN KARPE’S POINT OF VIEW
KEY STEPS FOR APPLYING FOR A CREDIT CARD. SACHIN KARPE’S POINT OF VIEW
 
5 Ways to Deal with Mumbai Monsoon
5 Ways to Deal with Mumbai Monsoon5 Ways to Deal with Mumbai Monsoon
5 Ways to Deal with Mumbai Monsoon
 
What influences working capital management
What influences working capital managementWhat influences working capital management
What influences working capital management
 
Volatile Banking Stocks: Sachin Karpe
Volatile Banking Stocks: Sachin KarpeVolatile Banking Stocks: Sachin Karpe
Volatile Banking Stocks: Sachin Karpe
 
Ways to Maximize your Motivation all the Time
Ways to Maximize your Motivation all the TimeWays to Maximize your Motivation all the Time
Ways to Maximize your Motivation all the Time
 
What does it to take to be successful at what you do?
What does it to take to be successful at what you do?What does it to take to be successful at what you do?
What does it to take to be successful at what you do?
 
Best and Better Way to Invest
Best and Better Way to InvestBest and Better Way to Invest
Best and Better Way to Invest
 
Steps to Prepare for An Interview
Steps to Prepare for An InterviewSteps to Prepare for An Interview
Steps to Prepare for An Interview
 
Wish to Become a Writer or Grow Your Business
Wish to Become a Writer or Grow Your BusinessWish to Become a Writer or Grow Your Business
Wish to Become a Writer or Grow Your Business
 
Qualities that Make a Great Leader
Qualities that Make a Great LeaderQualities that Make a Great Leader
Qualities that Make a Great Leader
 
Importance of Logo in Business
Importance of Logo in BusinessImportance of Logo in Business
Importance of Logo in Business
 
Sachin Karpe's Rules to Invest Wisely
Sachin Karpe's Rules to Invest WiselySachin Karpe's Rules to Invest Wisely
Sachin Karpe's Rules to Invest Wisely
 
Financial Planning Tips from Sachin Karpe
Financial Planning Tips from Sachin KarpeFinancial Planning Tips from Sachin Karpe
Financial Planning Tips from Sachin Karpe
 
Keys to business success by sachin karpe
Keys to business success by sachin karpeKeys to business success by sachin karpe
Keys to business success by sachin karpe
 
Why is a business plan important explains sachin karpe
Why is a business plan important explains sachin karpeWhy is a business plan important explains sachin karpe
Why is a business plan important explains sachin karpe
 
Heat wave across North India as rest of the world braces for El Nino says Sac...
Heat wave across North India as rest of the world braces for El Nino says Sac...Heat wave across North India as rest of the world braces for El Nino says Sac...
Heat wave across North India as rest of the world braces for El Nino says Sac...
 
Sun Pharma to acquire Ranbaxy in $4bn transaction says Sachin Karpe
Sun Pharma to acquire Ranbaxy in $4bn transaction says Sachin KarpeSun Pharma to acquire Ranbaxy in $4bn transaction says Sachin Karpe
Sun Pharma to acquire Ranbaxy in $4bn transaction says Sachin Karpe
 
The significance of Life by Sachin Karpe
The significance of Life by Sachin KarpeThe significance of Life by Sachin Karpe
The significance of Life by Sachin Karpe
 
Sachin Karpe talks about Sachin Tendulkar's Long Journey
Sachin Karpe talks about Sachin Tendulkar's Long JourneySachin Karpe talks about Sachin Tendulkar's Long Journey
Sachin Karpe talks about Sachin Tendulkar's Long Journey
 
How to treat your customers or clients to grow your business
How to treat your customers or clients to grow your businessHow to treat your customers or clients to grow your business
How to treat your customers or clients to grow your business
 

Recently uploaded

在线办理(TAMU毕业证书)美国德州农工大学毕业证PDF成绩单一模一样
在线办理(TAMU毕业证书)美国德州农工大学毕业证PDF成绩单一模一样在线办理(TAMU毕业证书)美国德州农工大学毕业证PDF成绩单一模一样
在线办理(TAMU毕业证书)美国德州农工大学毕业证PDF成绩单一模一样
5spllj1l
 
一比一原版(RMIT毕业证)皇家墨尔本理工大学毕业证如何办理
一比一原版(RMIT毕业证)皇家墨尔本理工大学毕业证如何办理一比一原版(RMIT毕业证)皇家墨尔本理工大学毕业证如何办理
一比一原版(RMIT毕业证)皇家墨尔本理工大学毕业证如何办理
k4ncd0z
 
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
nimaruinazawa258
 
Who Is the Largest Producer of Soybean in India Now.pdf
Who Is the Largest Producer of Soybean in India Now.pdfWho Is the Largest Producer of Soybean in India Now.pdf
Who Is the Largest Producer of Soybean in India Now.pdf
Price Vision
 
5 Tips for Creating Standard Financial Reports
5 Tips for Creating Standard Financial Reports5 Tips for Creating Standard Financial Reports
5 Tips for Creating Standard Financial Reports
EasyReports
 
Eco-Innovations and Firm Heterogeneity. Evidence from Italian Family and Nonf...
Eco-Innovations and Firm Heterogeneity.Evidence from Italian Family and Nonf...Eco-Innovations and Firm Heterogeneity.Evidence from Italian Family and Nonf...
Eco-Innovations and Firm Heterogeneity. Evidence from Italian Family and Nonf...
University of Calabria
 
Money20/20 and EU Networking Event of 20/24!
Money20/20 and EU Networking Event of 20/24!Money20/20 and EU Networking Event of 20/24!
Money20/20 and EU Networking Event of 20/24!
FinTech Belgium
 
Independent Study - College of Wooster Research (2023-2024)
Independent Study - College of Wooster Research (2023-2024)Independent Study - College of Wooster Research (2023-2024)
Independent Study - College of Wooster Research (2023-2024)
AntoniaOwensDetwiler
 
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
bresciafarid233
 
International Sustainability Standards Board
International Sustainability Standards BoardInternational Sustainability Standards Board
International Sustainability Standards Board
Kumar Ramaiah
 
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFiTdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
nimaruinazawa258
 
一比一原版美国新罕布什尔大学(unh)毕业证学历认证真实可查
一比一原版美国新罕布什尔大学(unh)毕业证学历认证真实可查一比一原版美国新罕布什尔大学(unh)毕业证学历认证真实可查
一比一原版美国新罕布什尔大学(unh)毕业证学历认证真实可查
taqyea
 
How Non-Banking Financial Companies Empower Startups With Venture Debt Financing
How Non-Banking Financial Companies Empower Startups With Venture Debt FinancingHow Non-Banking Financial Companies Empower Startups With Venture Debt Financing
How Non-Banking Financial Companies Empower Startups With Venture Debt Financing
Vighnesh Shashtri
 
快速办理(SMU毕业证书)南卫理公会大学毕业证毕业完成信一模一样
快速办理(SMU毕业证书)南卫理公会大学毕业证毕业完成信一模一样快速办理(SMU毕业证书)南卫理公会大学毕业证毕业完成信一模一样
快速办理(SMU毕业证书)南卫理公会大学毕业证毕业完成信一模一样
5spllj1l
 
Fabular Frames and the Four Ratio Problem
Fabular Frames and the Four Ratio ProblemFabular Frames and the Four Ratio Problem
Fabular Frames and the Four Ratio Problem
Majid Iqbal
 
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...
Donc Test
 
Bridging the gap: Online job postings, survey data and the assessment of job ...
Bridging the gap: Online job postings, survey data and the assessment of job ...Bridging the gap: Online job postings, survey data and the assessment of job ...
Bridging the gap: Online job postings, survey data and the assessment of job ...
Labour Market Information Council | Conseil de l’information sur le marché du travail
 
An Overview of the Prosocial dHEDGE Vault works
An Overview of the Prosocial dHEDGE Vault worksAn Overview of the Prosocial dHEDGE Vault works
An Overview of the Prosocial dHEDGE Vault works
Colin R. Turner
 
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...
mayaclinic18
 
University of North Carolina at Charlotte degree offer diploma Transcript
University of North Carolina at Charlotte degree offer diploma TranscriptUniversity of North Carolina at Charlotte degree offer diploma Transcript
University of North Carolina at Charlotte degree offer diploma Transcript
tscdzuip
 

Recently uploaded (20)

在线办理(TAMU毕业证书)美国德州农工大学毕业证PDF成绩单一模一样
在线办理(TAMU毕业证书)美国德州农工大学毕业证PDF成绩单一模一样在线办理(TAMU毕业证书)美国德州农工大学毕业证PDF成绩单一模一样
在线办理(TAMU毕业证书)美国德州农工大学毕业证PDF成绩单一模一样
 
一比一原版(RMIT毕业证)皇家墨尔本理工大学毕业证如何办理
一比一原版(RMIT毕业证)皇家墨尔本理工大学毕业证如何办理一比一原版(RMIT毕业证)皇家墨尔本理工大学毕业证如何办理
一比一原版(RMIT毕业证)皇家墨尔本理工大学毕业证如何办理
 
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
 
Who Is the Largest Producer of Soybean in India Now.pdf
Who Is the Largest Producer of Soybean in India Now.pdfWho Is the Largest Producer of Soybean in India Now.pdf
Who Is the Largest Producer of Soybean in India Now.pdf
 
5 Tips for Creating Standard Financial Reports
5 Tips for Creating Standard Financial Reports5 Tips for Creating Standard Financial Reports
5 Tips for Creating Standard Financial Reports
 
Eco-Innovations and Firm Heterogeneity. Evidence from Italian Family and Nonf...
Eco-Innovations and Firm Heterogeneity.Evidence from Italian Family and Nonf...Eco-Innovations and Firm Heterogeneity.Evidence from Italian Family and Nonf...
Eco-Innovations and Firm Heterogeneity. Evidence from Italian Family and Nonf...
 
Money20/20 and EU Networking Event of 20/24!
Money20/20 and EU Networking Event of 20/24!Money20/20 and EU Networking Event of 20/24!
Money20/20 and EU Networking Event of 20/24!
 
Independent Study - College of Wooster Research (2023-2024)
Independent Study - College of Wooster Research (2023-2024)Independent Study - College of Wooster Research (2023-2024)
Independent Study - College of Wooster Research (2023-2024)
 
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
 
International Sustainability Standards Board
International Sustainability Standards BoardInternational Sustainability Standards Board
International Sustainability Standards Board
 
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFiTdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
 
一比一原版美国新罕布什尔大学(unh)毕业证学历认证真实可查
一比一原版美国新罕布什尔大学(unh)毕业证学历认证真实可查一比一原版美国新罕布什尔大学(unh)毕业证学历认证真实可查
一比一原版美国新罕布什尔大学(unh)毕业证学历认证真实可查
 
How Non-Banking Financial Companies Empower Startups With Venture Debt Financing
How Non-Banking Financial Companies Empower Startups With Venture Debt FinancingHow Non-Banking Financial Companies Empower Startups With Venture Debt Financing
How Non-Banking Financial Companies Empower Startups With Venture Debt Financing
 
快速办理(SMU毕业证书)南卫理公会大学毕业证毕业完成信一模一样
快速办理(SMU毕业证书)南卫理公会大学毕业证毕业完成信一模一样快速办理(SMU毕业证书)南卫理公会大学毕业证毕业完成信一模一样
快速办理(SMU毕业证书)南卫理公会大学毕业证毕业完成信一模一样
 
Fabular Frames and the Four Ratio Problem
Fabular Frames and the Four Ratio ProblemFabular Frames and the Four Ratio Problem
Fabular Frames and the Four Ratio Problem
 
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...
 
Bridging the gap: Online job postings, survey data and the assessment of job ...
Bridging the gap: Online job postings, survey data and the assessment of job ...Bridging the gap: Online job postings, survey data and the assessment of job ...
Bridging the gap: Online job postings, survey data and the assessment of job ...
 
An Overview of the Prosocial dHEDGE Vault works
An Overview of the Prosocial dHEDGE Vault worksAn Overview of the Prosocial dHEDGE Vault works
An Overview of the Prosocial dHEDGE Vault works
 
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...
 
University of North Carolina at Charlotte degree offer diploma Transcript
University of North Carolina at Charlotte degree offer diploma TranscriptUniversity of North Carolina at Charlotte degree offer diploma Transcript
University of North Carolina at Charlotte degree offer diploma Transcript
 

Why Shouldn’t I Invest in a Fixed Deposit?

  • 1. Why Shouldn’t I Invest in a Fixed Deposit? Sachin Karpe Explains Why shouldn't I invest in a Fixed Deposit? is the most common question asked by the investors. Will you invest in a FD of 10k, if the net return will be 6.3% instead of an overall return of 9%? Sachin Karpe explains how the fixed deposit calculated. If you have a fixed deposit of Rs. 10,000 with 9% interest rate, pre-tax interest earned during the year would be Rs. 900. Tax on the interest earned at 30% tax rate would be Rs. 270 and net amount earned by the investor would be Rs. 630. This translates into a net return of 6.3% which is much lower than the presumed return. Sachin Karpe also advices to invest in long term fixed income i.e., debt mutual funds. Long-term capital gains on
  • 2. investments in debt mutual funds are taxed either at 10 per cent flat rate on 20 per cent indexed. Average return of short-term debt funds in the last 3 years is 8.9 per cent. If an individual decides to invest Rs. 10,000 in a short-term debt mutual fund, pre-tax returns earned for one year would be Rs. 890. At a flat 10 per cent tax, Rs. 89 would the tax amount. Net capital gain would be Rs. 801, whereas posttax interest earned would be 8.01 per cent which is more than the interest rate of fixed deposit. Find Sachin Karpe – A Business Consultant @ https://www.facebook.com/sachin.karpe.9638 Follow Sachin Karpe @ https://twitter.com/Karpe_Sachin Websites : http://sachinkarpe.in http://sachinkarpe.org http://sachinkarpe.co.in