Which is Better..???

Fixed Deposits or Short term Bonds.

Depends on 3 factors.
Income of the investor.
Duration of the Investment.
Risk taking of the Investor.

Can be summarized as follows:-

Parameter. Fixed deposit Short term bonds 1.Interest rate 8 to 8.50 percent.  4.50 to 5 percent. After tax. But this is before tax. Suitable for:- With comparitively higher income. For those who do not fall . in higher tax slabs 2.Tme period. For short time period too. Atleast fixed for 8-12 months. Implications. But premature penalty is charged. Exit load is charged  which may eat up all returns. Risk Ability Low risk  Risk is higher Assured Returns Returns depend on the  Interest rate prevaling in  the market.(Set by RBI in India).

Retail And FDI

Percentage of Retail sector in Indian GDP is 22%.
Not Bad.

But this mostly because of the unorganized retail sector in India.
Organised sector has less percentage ie few players but all BIG..!
As like as Future Group, TATA, Reliance, Vishal, Subhiksha etc.


So what this step of FDI in Retail will have an impact at..?

Large, already established players
                  Or
Small Kirana shops which will always too be a need in your neighborhood.


 Can the  big international brands like Walmart, Tesco, Carrefour etc.meet the needs of Indian Consumers in the times of Inflation by eradicating middle men's role in supply chain and thus reduce prices.
Is it a step deliberately taken by the GOI in order to fight sky high inflation.

Or they would not be able to impress the Middle Class Indian Consumer who might not be very comfortable with experimenting with new foreign brands.

Lets see.

But as soon as this news was circulated Market mood was happy and there was a rise in the shares of these Indian Retail brands.
Reason..?

Particularly the idea of making the retail sector more organized would be favorable for them and for Government too in terms of revenue from them through taxes would be certainly better than what the unorganized sector pays..!

General Insight

The various sectors you can invest in are :-

Banking & Finance
Technology
FMCG (Fast Moving Consumer Goods)
Oil and Gas
Power
Pharmaceuticals and many more.


You need to just select your favorites depending on how you think they have potential to grow in coming times.
And this requires just Common Sense!