Bank fixed deposits are suited for investors with low risk appetite and an investment period of six to twelve months. Post office savings combine the advantages of low risk with no tax deduction at source. Public provident funds are the best fixed income investments for high tax payers. An option to maximise returns within a fixed income portfolio is investing in the fixed deposits of companies with high credit rating. Bonds and debentures provide an avenue to avail of capital gains tax rebates for large investments.
Mutual funds are an indirect route to invest in bonds and equity shares.
Monitor the performance of your investments closely and constantly. Rely on experts to maximise returns. They will help you rectify your investment errors. Enjoy the journey.