Monday, 24 February 2020 18:48

Investment in Fixed Deposit Schemes – A Brief Overview

Deposit Schemes Deposit Schemes

The different types of fixed deposits schemes have provided lot of opportunities to different investors. Currently in the market, the banks and other corporate fixed deposits schemes are available to the general public. Both, the banks and corporate fixed deposits schemes have their own regulations and policies.

The fixed deposit investments are safe heaven for the investors because there is no fear of the loss of money and they are less risky investment as compared to stocks and other commodities.

 

As far as the return on the fixed investment is concerned, the banks offer different rates on fixed investment in comparison with the corporate fixed deposit schemes. The banks offer normally a 2-3 percent less rate of return because the fixed deposit schemes which are being offered by different banks are safe as compared to the corporate fixed deposit schemes which normally offer higher rates of return to their investors. In addition to this, the bank’s fixed deposits are safe up to a specified limit of amount as they are insured by different banks but not by all banks.

 

There are also some negative things about fixed investments. The major drawback of this type of investment is that they are not liquid in nature as theses amounts are fixed for a certain period. Moreover, if the interest rate rises after making investment, the banks do not offer higher rates and they pay the interest as per agreed terms and conditions. In addition to this, due to the inflationary trend, the real value of money being is declined with the passage of time. Another problem with this type of investment is that the interest rate mentioned is the pre tax return and the amount of tax has to be deducted from it.

 
More in this category: Spring 2022 fashion trends »
  • Vans Parent Company's Data Breach Raises Fraud Concerns for Consumers
    Vans Parent Company's Data Breach Raises Fraud Concerns for Consumers

    In the wake of a significant data breach at VF Corporation, the parent company of the popular footwear brand Vans, customers are being cautioned about the increased risk of identity theft and fraudulent activities. Discovered in December 2023, this breach involved unauthorized entry into specific segments of VF Corporation's information technology systems, prompting worries about the confidentiality of consumer data.

    Written on Friday, 22 March 2024 15:51
  • UK's Defence Sector Embarks on Electrification with McLaren Partnership
    UK's Defence Sector Embarks on Electrification with McLaren Partnership

     The UK Ministry of Defence has embarked on an ambitious collaboration with the globally renowned Formula 1 team, McLaren, to transform its military vehicles through electrification. This strategic partnership leverages McLaren's leading-edge automotive engineering prowess to bolster the environmental sustainability and operational efficiency of the British armed forces.

    Written on Friday, 22 March 2024 15:27
  • Salesforce: Service Cloud Consultant Certification Practice Exam
    Salesforce: Service Cloud Consultant Certification Practice Exam

    In the diverse world of Customer Relationship Management (CRM), Salesforce's certifications have set the benchmark for professional excellence. The Service Cloud Consultant Certification is one such valuable credential that validates an individual's expertise in Salesforce Service Cloud solutions. An indispensable part of the preparation journey for this certification is the Salesforce: Service Cloud Consultant Certification Practice Exam.

    Written on Thursday, 06 July 2023 14:04
  • The Printing Revolution: How Nanomaterials are Transforming Quantum Dots and Advanced PCBs
    The Printing Revolution: How Nanomaterials are Transforming Quantum Dots and Advanced PCBs

    What are nanomaterials?

    Nanomaterials are materials that are incredibly small, often less than 100 nanometers in size.

    Written on Thursday, 11 May 2023 14:12
  • Understand Shopify Payments and Find Payments Gateways Suited for Your Business
    Understand Shopify Payments and Find Payments Gateways Suited for Your Business

    The right paying Shopify methods can help to ensure that your customers have an enjoyable and hassle-free shopping experience. Operating safe and secure payment processing also helps to get trust from your customers and give them peace of mind when making purchases through your store.

    Written on Monday, 08 May 2023 09:45
  • AI Impact On The Automotive World
    AI Impact On The Automotive World

    Artificial intelligence (AI) has had a significant impact on many industries, and the automotive industry is no exception. From self-driving cars to predictive maintenance, AI has brought about numerous improvements in the way cars are designed, manufactured, and operated.

    Written on Monday, 27 March 2023 11:57
  • What are the benefits of going on a stag do?
    What are the benefits of going on a stag do?

    A stag do, also known as a bachelor party, is a traditional pre-wedding celebration for the groom-to-be and his friends. It is a time for the groom to let loose and have some fun with his friends before settling down into married life.

    Written on Wednesday, 01 February 2023 13:55
  • Metavers and marketing trends 2023
    Metavers and marketing trends 2023

    The concept of “metaverse” has become very popular in recent years, it is a hype that is often mentioned along with games, as well as AR and VR technologies.

    Written on Monday, 12 September 2022 07:57
  • Mobile apps trends in 2022
    Mobile apps trends in 2022

    In 2020, Whidegroup can note a time that has been distinguished by multiple changes in terms of technology, of course, some changes in the distribution of mobile supplements have been corrected by the rapid spread of the pandemic that has affected the whole world.

    Written on Monday, 22 August 2022 09:45
  • Photoresistor - How photo semiconductor works
    Photoresistor - How photo semiconductor works

    A photoresistor is referred to as an element of semiconductor that is junction-free that, under the effect of light radiation alters its resistance. The active (photosensitive) component of a photoresistor is thin layer of semiconductor deposited on an electro-conductive substrate.

    Written on Thursday, 11 August 2022 08:59