Banks are giving good returns now-a-days and the RBI Governor indicated to banks to increase FD interest rates and decrease Loan interest rates. Mutual Funds give a better return in the long run and risk is also involved. Before investing in mutual funds enquire about the Fund Manager and his background. In my opinion youngsters can go for Mutual Funda and people over 50 better stick to bank deposits.
By
Suryanarayan Murthy, Free lancer
| 04 28 2011 05:24:33 +0000
Banks are giving good returns now-a-days and the RBI Governor indicated to banks to increase FD interest rates and decrease Loan interest rates. Mutual Funds give a better return in the long run and risk is also involved. Before investing in mutual funds enquire about the Fund Manager and his background. In my opinion youngsters can go for Mutual Funda and people over 50 better stick to bank deposits.
By
Suryanarayan Murthy, Free lancer
| 04 28 2011 05:24:17 +0000
You can not compare apple to orange..Conservative investors who wants to keep the capital preserved will have to go for Bank Deposits. Moderate Investors should look into right combination of mutual funds to earn better returns.
By
RAVI P, Zonal Head, Private Bank
| 04 24 2011 01:44:35 +0000
00 I think by considering todays market where banks are giving rate of around 10 % PA it is good source to earn income without any risk. bt in long prospective MF is better option than bank term deposits
By
sujit chavan, BRANCH BANKING CUSTOMER SERVICE OFFICER, ICICI Bank
| 03 13 2011 06:27:49 +0000
I think by considering todays market where banks are giving rate of around 10 % PA it is good source to earn income without any risk. bt in long prospective MF is better option than bank term deposits
By
sujit chavan, BRANCH BANKING CUSTOMER SERVICE OFFICER, ICICI Bank
| 03 13 2011 06:26:47 +0000
yes
By
anil seth, Manager Finance, H.L TEXTILES LTD
| 03 07 2011 07:49:51 +0000
Bank offering are secure & fixed return instruments. MF are market based and thus a risky investment. Thus investment of your valued money be made in bank & some part in MF
By
Sourabh Gupta, B.Com student, Institute Of Chartered Accountant of India
| 03 07 2011 07:21:41 +0000
i think according to the long term investment the mutual fund investment is the best one
By
yogesh m shinde, Advisor/Outside Consultant, reliance mutual fund
| 03 05 2011 05:15:09 +0000
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If someone has proper knowledge about the mutual fund investment or have some idea about the entry and exit time from them mutual fund is the best option of investment than any banking scheme.
By
Vipin Bhasin, Private Equity/Hedge Fund/VC-Manager, Indian Investment Co.
| 04 29 2011 18:59:30 +0000
Definitely Mutual fund Have better Return than Bank rates but,it should be better and best professorially managed also the rate of return differ from fund to fund .the return is depends on which fund u have invested.There is a "more risk more return" are expected.but in case of bank rate there are fixed return with minimun or zero risk.
By
Devendra Pratap singh, Finance Executive, Devendra pratap singh
| 04 24 2011 13:36:52 +0000
Mutual fund returns are better than bank rates in inflationary economic environment. real returns in case of bank rates is negative in todays environment. Mutual fund returns are linked to equity and can provide positive real returns.
By
Danish khan, Business Analyst, cognizant business consultancy
| 03 13 2011 08:16:36 +0000
Hii this is Bijay, the current inflation rate recorded at 9.3% in jan,2011 at our country.Banks gives us fixed and sure return, but whats is the rate of return?? its 8-9% maximum. so If anybody have the knowledge of time value of money they can easily know that in bank after 1 year some body can hardly secure his principle amount only . So we need to think about some alternative way for investment , on the other hand if some body can properly manage his funds in Mutual Fund they can not only get a return of 15-18% p.a . I dont denied there is a risk factor in Mutual fund but at this age of globalization a fixed income group layman have to take some risk to servive . Becoz there is an universal word" No Risk No Gain". Thats why I think Mutual funds return is better then Banks return.
By
Biju Bhattacharjee, Investor Relationship-Executive/Manager, Indiabulls Securities Ltd
| 03 08 2011 03:35:52 +0000
Many mutual funds have given better than bank rates. however even mutual funds are not giving the expected level of return. a mutual fund should be able to give at least 'the rate of nflation+growth rate of GDP' i.e. inflation on average 10% + gdp of ablut 8%. A mutal funda or any other investment should be able to give 18% of return today.
By
C.V.Divakar , professor & HOD Dayananda Sagar Business School
| 03 07 2011 07:11:32 +0000
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