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Old 30th March 2020, 20:10   #16
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Default Re: Government Bonds - Safer than even Fixed Deposits

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Originally Posted by swapnil.awate View Post
If liquidity is not a requirement, then isn抰 a PPF better option than Government bonds?
PPF is indeed a better option if liquidity is not a requirement. However the amount you can invest is limited to ₹1.5 lakh per year.
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Old 30th March 2020, 20:24   #17
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Default Re: Government Bonds - Safer than even Fixed Deposits

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Originally Posted by timuseravan View Post
PPF is indeed a better option if liquidity is not a requirement. However the amount you can invest is limited to ₹1.5 lakh per year.
A couple of thoughts:
1) Have another PPF account opened in the name of the spouse, if income permits and if one wishes to pump in more money safely into such an investment
2) Keep extending the PPF's term beyond 15 years by continuing to invest, in 5 year blocks. You can choose to also not withdraw the accrued amount beyond 15 years; it will continue to earn interest...The real power of compounding only kicks in later in the investment period.
3) A smaller thought - make sure you pump in the maximum money right at the start of each financial year preferably. And - it's no use depositing money for a particular month if it is done so after the 5th of the month. Interest is earned for a month only if deposited on or before the 5th of the month.
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Old 30th March 2020, 23:11   #18
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Default Re: Government Bonds - Safer than even Fixed Deposits

You can contribute up to 100% of your basic salary to Voluntary PF (VPF) . Its a fantastic option to save for retirement.

I am surprised no one has mentioned about investing in arbitrage funds. They have been giving a consistent return of 6 - 6.5% over many years and are taxed just like equity. I usually put the rest of my monthly savings after PF, VPF and NPS contributions, into a couple of these funds.
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Old 31st March 2020, 00:13   #19
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Default Re: Government Bonds - Safer than even Fixed Deposits

Quote:
Originally Posted by timuseravan View Post
PPF is indeed a better option if liquidity is not a requirement. However the amount you can invest is limited to ₹1.5 lakh per year.
Is there any limit on the no.of transactions one can do in a ppf account in a year ? Earlier there used to be max limit of 12 transactions per financial year but I think that was revised last year to as many transactions as one wants, however the amount that can be invested remains the same.
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Old 5th April 2020, 20:51   #20
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Default Re: Government Bonds - Safer than even Fixed Deposits

Is there a way to figure out the return rates for instruments being auctioned? This is a screenshot from Gobid platform, and as an example, it does not show the ROI for NWGS2022 - GS. Either on this page or the entire portal. Quick google search did not help either.

Government Bonds - Safer than even Fixed Deposits-capture.jpg
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