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C:\inetpub\wwwroot\rachanainvestments.com\assets
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edit: C:\inetpub\wwwroot\kapadiawealthbuilders.in\fixed_income.html
<!DOCTYPE html> <html lang="en"> <!-- Mirrored from steelthemes.com/demo/html/fortune-html/index.html by HTTrack Website Copier/3.x [XR&CO'2014], Sat, 18 Nov 2017 05:47:15 GMT --> <head> <meta charset="UTF-8"> <title>Kapadia Wealth Builders</title> <!-- mobile responsive meta --> <meta name="viewport" content="width=device-width, initial-scale=1"> <meta name="viewport" content="width=device-width, initial-scale=1, maximum-scale=1"> <link rel="stylesheet" href="css/style.css"> <link rel="stylesheet" href="css/responsive.css"> <link rel="stylesheet" href="css/custom.css"> <link rel="icon" type="image/png" href="images/favi16.png" sizes="16x16"> </head> <body> <div class="boxed_wrapper"> <header class="top-bar"> <div class="container"> <div class="clearfix"> <ul class="top-bar-text float_left"> <li><i class="icon-technology-1"></i> +91 7738344677 </li> <li><i class="icon-note"></i><a href=""> kapadiawealthbuilders@gmail.com</a></li> </ul> <ul class="social float_right"> <li><a 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src="images/logo.png" alt=""></a> <p class="line-1 anim-typewriter">We build, maintain & grow your wealth</p> </div> </div> <div class="col-md-8 menu-column"> <nav class="main-menu"> <div class="navbar-header"> <div class="logo"> <a href="index.html"><img src="images/logo.png" alt=""></a> </div> <button type="button" class="navbar-toggle" data-toggle="collapse" data-target=".navbar-collapse"> <span class="icon-bar"></span> <span class="icon-bar"></span> <span class="icon-bar"></span> <span class="icon-bar"></span> </button> </div> <div class="navbar-collapse collapse clearfix"> <ul class="navigation clearfix"> <li><a href="index.html">Home</a></li> <li class="dropdown"><a href="#">About us</a> <ul class="submenu"> <li><a href="about.html">Our Profiles</a></li> <li><a href="whyus.html">Why Us?</a></li> <li><a href="team.html">Our Team</a></li> <li><a href="awards.html">Awards and Certificates</a></li> </ul> </li> <li class="dropdown"><a href="#" class="active">Products</a> <ul class="submenu"> <li><a href="mutual_funds.html">Mutual Fund</a></li> <li><a href="life_ins.html">Life Insurance</a></li> <li><a href="health_ins.html">Health Insurance</a></li> <li><a href="general_ins.html">General Insurance</a></li> <li><a href="fixed_income.html">Fixed Income Products</a></li> <li><a href="home_loan.html">Home Loan</a></li> </ul> </li> <li class="dropdown"><a href="#">Our Services</a> <ul class="submenu"> <li><a href="wealth_plan.html">Wealth Management</a></li> <li><a href="retirement_plan.html">Retirement Planning</a></li> <li><a href="financial_plan.html">Financial Planning</a></li> <li><a href="tax_plan.html">Tax Planning</a></li> <li><a href="insurance_plan.html">Insurance Planning</a></li> <li><a href="estate_plan.html">Will & Estate Planning</a></li> </ul> </li> <li><a href="calculator.html">Calculators</a></li> <li class="dropdown"><a href="#">Resources</a> <ul class="submenu"> <li><a href="kyc.html">KYC/PAN Services </a></li> <!-- <li><a href="calculator.html">Financial Calculators</a></li> --> <li><a href="videos.html">Educational Videos</a></li> </ul> </li> <li class=""><a href="contact.html">contact us</a></li> <li><a href="login.html">Login</a></li> </ul> <ul class="mobile-menu clearfix"> <li><a href="index.html">Home</a></li> <li class="dropdown"><a href="#">About us</a> <ul> <li><a href="about.html">Our Profiles</a></li> <li><a href="whyus.html">Why Us?</a></li> <li><a href="team.html">Our Team</a></li> <li><a href="awards.html">Awards and Certificates</a></li> </ul> </li> <li class="dropdown"><a href="#" class="active">Products</a> <ul class="submenu"> <li><a href="mutual_funds.html">Mutual Fund</a></li> <li><a href="life_ins.html">Life Insurance</a></li> <li><a href="health_ins.html">Health Insurance</a></li> <li><a href="general_ins.html">General Insurance</a></li> <li><a href="fixed_income.html">Fixed Income Products</a></li> <li><a href="home_loan.html">Home Loan</a></li> </ul> </li> <li class="dropdown"><a href="#">Our Services</a> <ul class="submenu"> <li><a href="wealth_plan.html">Wealth Management</a></li> <li><a href="retirement_plan.html">Retirement Planning</a></li> <li><a href="financial_plan.html">Financial Planning</a></li> <li><a href="tax_plan.html">Tax Planning</a></li> <li><a href="insurance_plan.html">Insurance Planning</a></li> <li><a href="estate_plan.html">Will & Estate Planning</a></li> </ul> </li> <li><a href="calculator.html">Calculators</a></li> <li class="dropdown"><a href="#">Resources</a> <ul class="submenu"> <li><a href="kyc.html">KYC/PAN Services </a></li> <!-- <li><a href="calculator.html">Financial Calculators</a></li> --> <li><a href="videos.html">Educational Videos</a></li> </ul> </li> <li class=""><a href="contact.html">contact us</a></li> <li><a href="login.html">Login</a></li> </ul> </div> </nav> <!-- End of #main_menu --> </div> </div> </div> <!-- End of .conatiner --> </section> <!--Start slider wrapper--> <div class="background"> <img src="images/fixeds.jpg"> <div class="title_banner"> <div class="animated fadeInLeft" style="color:#fff;">Fixed Income Products</div> </div> </div> <!--End slider wrapper--> <!-- Start about us --> <section class="about-faq sec-padd"> <div class="container"> <div class="fancy-title title-dotted-border title-center"> <h3>Fixed Income Products</h3> </div> <div class="row achiev"> <div class="col-md-12 col-sm-12 col-xs-12"> <div class="about-info"> <div class="aboutus"> <p>Fixed income products forms the base of a financial plan. If the base is not strong whatever we build upon it is under risk of collapse, therefore by allocating a higher quanta of funds towards fixed income products improves the overall stability of a portfolio.</p> <h5>Company Fixed Deposits</h5> <p>Fixed Deposits in companies that earn a fixed rate of return over a period of time are called Company Fixed Deposits. Financial insstitutions and Non-Banking Finance Companies (NBFCs) also accept such deposits. Deposits thus mobilised are governed by the Companies Act under Section 58A. These deposits are unsecured, i.e., if the company defaults, the investor cannot sell the documents to recover his capital, thus making them a risky investment option.</p> <h5>Benefits of investing in Company Fixed Deposits</h5> <ul> <li><i class="fa fa-check-circle-o"></i>High interest</li> <li><i class="fa fa-check-circle-o"></i>Short-term deposits</li> <li><i class="fa fa-check-circle-o"></i>Lock-in period is only 6 months</li> <li><i class="fa fa-check-circle-o"></i>No Income Tax is deducted at source if the interest income is up to Rs 5,000 in one financial year</li> <li><i class="fa fa-check-circle-o"></i>Investment can be spread in more than one company, so that interest from one company does not exceed Rs. 5,000</li> </ul> <p>Like most investment option, Company Fixed Deposits are a mixed bag. Company FDs can be an interesting investment option if you know how to select the right FD, and how to avoid the no-so-good ones. Here are some of the points that investors should keep in mind.</p> <h5>Spread your Risk</h5> <p>The deposits should be spread over a large number of companies engaged in different industries. This way, you'll be able to diversify your risk among various industries/companies. Try not to put more than 10% of your total investments in one particular company.</p> <p>Choose the Right Period of Deposit</p> <p>Ideally, the investment should be for 1 to 3 years depending upon the rate of interest.</p> <h5>Periodic Review</h5> <p>The performance of the companies should be reviewed at maturity. This will help you decide whether to renew or reshuffle the deposit. It is also wise to keep a track of these companies by checking their share prices, annual reports and other details reported in newspapers.</p> <h5>Bonds</h5> <p>Bond refers to a security issued by a company, financial institution or government which offers regular or fixed payment of interest in return for borrowed money for a certain period of time.</p> <p>By purchasing a bond, an investor loans money for a fixed period of time at a predetermined interest rate. While the interest is paid to the bond holder at regular intervals, the principal amount is repaid at a later date, known as the maturity date. While both bonds and stocks are securities, the principle difference between the two is that bond holders are lenders, while stockholders are the owners of the organization. Another difference is that bonds usually have a defined term, or maturity, after which the bond is redeemed, whereas stocks may be outstanding indefinitely. An exception is a consol bond, which is a perpetuity (i.e., bond with no maturity).</p> <p>Thus a bond is like a loan: the issuer is the borrower (debtor), the holder is the lender (creditor), and the coupon is the interest. Bonds provide the borrower with external funds to finance long-term investments, or, in the case of government bonds, to finance current expenditure. Certificates of deposit (CDs) or commercial paper are considered to be money market instruments and not bonds. Bonds must be repaid at fixed intervals over a period of time.</p> <p>Hence, technically speaking, a mutual fund is an investment vehicle which pools investors' money and invests the same for and on behalf of investors into stocks, bonds, money market instruments and other assets. The money is received by the AMC with a promise that it will be invested in a particular manner by professional managers (commonly known as fund managers). The fund managers are expected to honour this promise. The SEBI and the Board of Trustees ensure that this actually happens.</p> </div> </div> </div> </div> </div> </section> <!-- End about us --> <footer class="main-footer"> <!--Widgets Section--> <div class="widgets-section"> <div class="container"> <div class="row"> <div class="footer-column col-md-3 col-sm-6 col-xs-12"> <div class="footer-widget about-widget"> <div class="section-title"> <h3>About Us</h3> </div> <div class="widget-content"> <div class=""><p>At Kapadia Wealthbuilders we follow our passions backed by expertise and experience. We started our journey of spreading financial awareness at all levels of society and making our clientsâ lives safe, secured and wealthy almost 30 years from now.</p> </div> <div class="link"> <a href="about.html" class="default_link">More About us <i class="fa fa-angle-right"></i></a> </div> </div> </div> </div> <!--Footer Column--> <div class="footer-column col-md-3 col-sm-6 col-xs-12"> <div class="footer-widget links-widget products"> <div class="section-title"> <h3>Products</h3> </div> <div class="widget-content"> <ul class="list"> <li><a href="mutual_funds.html">Mutual Fund</a></li> <li><a href="life_ins.html">Life Insurance</a></li> <li><a href="health_ins.html">Health Insurance</a></li> <li><a href="general_ins.html">General Insurance</a></li> <li><a href="fixed_income.html">Fixed Income Products</a></li> <li><a href="home_loan.html">Home Loan</a></li> </ul> </div> </div> </div> <!--Big Column--> <!--Footer Column--> <div class="footer-column col-md-3 col-sm-6 col-xs-12"> <div 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