How Falling Interest Rates are Eating Away the Investor’s Money & It’s solution provided by Reliance Nivesh Lakshya – promising returns over long term.
The last few months have been quite tough for the conservative investors after going through the headlines of falling interest rates. Now is the right time for exploring the scenario of diminishing interest rates and have a prudent look at different investment avenues. The historical data is the evidence that fixed income funds are performing better than the bank FDs (fixed deposits) in this environment of falling interest rates.
Today, there are alternate fixed income products both long term and short term in the financial markets, although risk and reward which these products offer would depend on the investor’s preference. With some of these products, an investor could withdraw anytime.
In today’s scenario, drop in the lending rates appears to be positive news for the home a buyer looking for home loans, however, the decline in FD rates is a big concern.
Another major worrying is the NPA (Non-performing assets). The sharp rise in the NPA levels has caused worry because until and unless banks have good assets (advances, loans, overdraft, etc.) which are paid timely, the banks could face troubles while paying the deposit holders or lenders.
Not just the FDs, the financial advisors have been asking investors to move out of GILT funds. A lot of investors don’t believe that the debt funds could be risky too. The investor’s capital could be in danger as the Gilt funds invest thickly in the government securities and these securities are extremely interest rate sensitive.
With the interest rates for the deposits going down below 7%, investors are now feeling the financial pinch. As the Fixed Deposit is losing its sheen, an investor should look for other investment options. While the investors are discouraged by the free fall in the interest rates, fixed income funds must be a hefty part of the investor’s asset portfolio.
So, how an individual can deal with the economic environment of falling interest and what could be his alternatives?
Reliance Mutual Fund’s new Fund Offer, ‘Nivesh Lakshya’ Fund is the answer to all FD worries.
Are you worried? Don’t be! Reliance Mutual Fund which is among the leading mutual fund houses and a preferred choice for millions of investors brings you Nivesh Lakshya – a fund which would be your ultimate choice for fixed income securities. Nivesh Lakshya is a tax-efficient debt product which aims at capturing the existing yields by investing in G-Sec (Government Securities) for realizing long-term goals for the investors.
Secure yourself with a well-invested future with Nivesh Lakshya offering assured returns of 8.25%. The fund invests in long-dated G-secs ensuring you best-in-class returns. The fund can be withdrawn anytime ensuring no liquidity issues for the investors. Adding to the benefits listed above, the fund is also tax-efficient as indexation benefit is available to the investors to help them reduce the burden of capital gains tax.
Who should invest in Nivesh Lakshaya
Nivesh Lakshya is best suited for HNIs wishing to preserve their wealth by locking in their investments at high-interest rates for 25-30 years horizon. It is also great gift parents and grandparents can give to their lineal decedents. Nivesh Lakhsya is also a great investment alternative for the retirees ensuing a steady of handsome flow of income as the fund allows regular withdrawals.
How to invest in Nivesh Lakshya
Investing in Nivesh Lakshya is very simple and straightforward. You can secure your future with Nivesh Lakshya with just a few clicks.
Disclaimer- Mutual fund investments are subject to market risks. Please read all scheme-
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