5 Fixed Deposit Alternatives | Upto 20% Returns | Alternative Investments for Regular Income

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We often look to a fixed deposit, corporate bond, PPF or other debt based instruments for regular income. However those fixed income avenues offer similar returns and come with the same level of risk in terms of interest rate and default. In this video, I shall present 5 different alternative investment products that can diversify your fixed income portfolio & the risks associated with it, in addition to potentially offering a higher rate of return. In many cases, these alternative investment funds offer upto 2 times higher returns than a fixed deposit and should be considered as an alternative to fixed deposits. I'll be discussing 5 products in this video - P2P lending, Fractional Real Estate, Asset leasing, Senior Secured High Yielding Bonds and Invoice Discounting
👉 Video Chapters:
00:00 Alternative Investment Options in India
01:18 P2P Lending
04:25 Fractional Real Estate
07:42 Asset Leasing
10:00 Senior Secured Bonds
14:03 Invoice Discounting
16:25 Shankar's Viewpoint
👉 Some Useful Resources/Readings:
‣ Article in ETPrime on Alternative Investment Options: economictimes.indiatimes.com/...
‣ Article by Capitalmind on MLDs: www.capitalmind.in/2021/09/ho...
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#alternativeinvestments #fixeddeposit #shankarnath
Disclaimer: I am not a SEBI registered investment advisor or research analyst. The content posted on this platform is purely for educational purposes and none of it constitutes investing or trading advice. Viewers should do their own research and diligence before investing or acting on the information presented

Опубликовано:

27 июл 2024

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Комментарии : 543

@radhakrishnakeny1658 Год назад

Return of capital is more important than Return on capital

@kedarbali5438 9 месяцев назад

क्या बात है । आपने सही कह दिया ।👍👍

@smokingbomberz 9 месяцев назад

Good 1

@mustangblazer76 7 месяцев назад

That's the bottomline statement..very true😂

@laterlater8348 7 месяцев назад

but even if you keep your capital in a vault , it is still eroded and thats by design, so what you gonna do?

@normalhuman9539 6 месяцев назад

Pls explain wid an example

@mitulsat Год назад

Your videos are very elaborative Shankar and quite different from the other mass youtubers.

@shankarnath Год назад

So nice of you. Glad you like them, Mitul

@TheLionKing2345 Год назад

Kudos for such quality videos.. ! Undoubtedly the best finance RU-vidr at the moment ! No nonsense , no bias .. to the point !

@shankarnath Год назад

Thanks a ton, glad you liked it

@dipanker10 Год назад

One word, Amazing! Great video again that is very useful. My personal gratitude to your efforts and kind intentions. Thanks a ton 👍

@shankarnath Год назад

You're very welcome Dipankar ji. Very happy to know you are liking the content. Do share it with your wellwishers and help me grow this channel. Thx!

@ravihariharan2291 7 месяцев назад

Great presentation..I am investing 40% of my capital in IPO’s and hv discovered that one can easily generate 8-9% returns on allotment(if lucky) or buying a share with good credentials (like IREDA) The risk is minimal and you don’t hv to pay anybody commission to handle yr account albeit there will be STT etc to be paid on share sales..it’s still profitable.

@prudhviraj868 Год назад

Wow..The effort that you have put is really appreciable. The information that you always bring up is what generally people often look for and it is very difficult to gain such knowledge. These videos at least help to rule out certain financial options in some cases. Great effort

@shankarnath Год назад

So nice of you. Thank you Prudhvi ji, glad it is helping you in your financial journey

@gowrishankarkn6499 Год назад

Excellent sir. Though the entire fixed income universe seems to be complicated & full of jargon, you have literally simplified it. So, one can take some small risks in investing a fraction of their portfolio to earn those extra brownie points. Thanks a million. Looking forward to such videos.

@shankarnath Год назад

You're most welcome. Glad you found it useful, Mr. Gowrishankar

@klokesh5959 Год назад

Excellent video.... Making complex financial jargons understandable to a "know nothing investor" is shankar sir's USP🙏

@shankarnath Год назад

Glad you liked it. Thank you Lokesh

@rajram77 Год назад

Very informative video in diversifying ones debt portfolio, albeit with possibly increased risk. I understand that MLDs are also of 2 kinds - principal secured (listed) and non-principal secured (unlisted). The recent budget has tax classified listed MLDs as STCG. Would like to have a dedicated video on MLDs. There are many NBFC players Anand Rathi, Edelweiss in this space.

@shankarnath Год назад

Glad you found it useful.

@Prateekmittalnitrr 6 месяцев назад

Nice collaborated and no-nonsense video, thank you! My View on Jirraf (Opportunity Investment!) You normally invest 95k to get around 1.5k to 3.5k for 30-90 days holding. If we do the math as happened in my case if I take an average of 2.5k, 2.5k * 30 = 75k. So if there is one default in every 30 investments you stand at no financial gain. I took 75k because 20-25% of the investment amount is reserved in any default case they will return it as the first cheque in most cases. So, to simplify, if there is no default, then 25-28 investment will fetch you 90k-1L; otherwise, 1 default in 25-28 investment will bring you down to 0 gain.

@shankarnath 6 месяцев назад

Thanks for your appreciation and for sharing your views

@bakyme Год назад

Woww - This is such an excellent video. Nicely researched and covering wide range of aspects. This kind of videos are missing in the current space, where everyone creates video on similar financial topic again and again, by just changing the wording. Not a commenter generally - but couldn't resist as lot of points covered in a quick time.

@shankarnath Год назад

Glad you liked it! And please comment more esp. if you have something good to say to the content creator. The math is in the commentor's favour afterall it takes 2 minutes to write a comment .. a video like the one your liked takes me over 2000 minutes to create.

@chandrimad5776 Год назад

Extremely informative post. Keep posting such great quality videos! 👍

@shankarnath Год назад

Thank you

@ravinderk1 Год назад

Another Gem from Shankar Nath. Great Job!

@shankarnath Год назад

Thank you Ravi

@Sachin19881112 Год назад

People like you are soothing to eyes, extremely knowledgeable while other half learned you tubers are misguiding people

@shankarnath Год назад

Thank you very much. I'm glad the content is resonating with you. Glad to hear this

@manishthakur7808 10 месяцев назад

Excellent videos providing just the right perspective with objectivity. Thank you

@shankarnath 10 месяцев назад

Glad you enjoyed it! Most welcome

@mohammedasadulla529 Год назад

Thanks for the knowledgeable information Shankar. I like ur way of not following herd and sharing a seedhi baat no bakwaas knowledge. Keep up the good work sir 👏 👍

@shankarnath Год назад

So nice of you. Thank you very much for your kind wishes

@siddheshk6943 Год назад

I am using Cred Mint since Dec 2021 and have earned 9% regularly. Take out the interest every month. I understand the risk but as per Cred the money is distributed with minimum of 20 lenders so even a hypothetical high default rate of 5% making it relatively safe. So far so good is all I can say !

@vinayakrishna7924 Год назад

May i know how to use cred mint?

@human__being Год назад

@@vinayakrishna7924 if you are eligible you will get the option to use cred mint.

@shankarnath Год назад

Thanks for sharing

@dr.riteshchhabra3611 Год назад

how much amount u have invested till now@Siddhesh..

@NewUnknownMind Год назад

Do read the fine prints of the agreement dear. It says CredMint is just a coordinator. The actual money is holded & invested by P2P Lending partners. In case of default, they would only provided extended support which is very loosely written & can have different meanings. Just see in case of default, what happens, no specifics are shared. Trust me defaults aren't 5% & much higher. Also, the risk to reward ratio is bad. They earn 24-36% on your money & you get 9%. Doesn't look fair to me.

@saumitrachakraborty9794 6 месяцев назад

One of the best videos on the topic. Clarified all factors. Thank you sir.

@shankarnath 6 месяцев назад

Glad it was helpful! So nice of you

@sandyutube1 Год назад

Thanks for the vdo. Really informative, have tried rhe 12 percent club. Working fine till now. Very much interested in reits. Invoice discounting looks good . Loved the term opportunity portfolio.

@shankarnath Год назад

Most welcome Sandipan & thanks for sharing your experience.

@MrAbhinav567 Год назад

Good work... What a term "Opportunity portfolio" one coined. Love this video beautifully designed, developed, explained, and executed. Waiting for the video of your future investment in opportunity portfolio. Thanks a ton

@shankarnath Год назад

Thank you very much. Glad you found it useful. Yes, it's an important one so I reiterated that in my video on asset allocation aswell. The root of your portfolio tree has to be strong although it won't bear any fruit, it will provide the nutrients and make it happen

@rajupakalapati 7 месяцев назад

subscribed post gone through initial 5 mins you got me in 😊

@senthilkumarg.s3288 Год назад

All your videos are too too good. Thanks Shankar. Really eye opener. I am an avid follower of your videos. You deserve 1M followers

@shankarnath Год назад

Thank you very much Senthil. Happy to know you are finding the videos useful and relevant

@001vgupta 7 месяцев назад

Wonderful video. Appreciate the efforts, systematic and wisely presented the facts on the topic. Great efforts evolved. Thanks.

@shankarnath 7 месяцев назад

So nice of you. Thank you so much!

@gopikannans9246 Год назад

An excellent session Shankar. Amazing one.

@shankarnath Год назад

Thanks!

@beluga9596 Год назад

Super coverage as usual sir

@NewUnknownMind Год назад

P2P Lending is immature industry. The NPAs in the industry is over 20% & there are many loop holes the way the NPA every P2P platform calculates. In case defaults, these guys don't even do anything as it's conflict of interest for them & these companies do not want to come in news. Many defaulters like Gaurav Kapahi from Delhi, takes multiple loans from multiple P2P Lending platforms & defaults. Noone is able to do anything. Many a times it's observed that P2P firms showcased wrong information of the borrower knowingly so they can get loan faster as they took much higher processing from them. Also many a times, the loan is paid by borrower but is shown as defaulter by P2P firm. RBI doesn't do anything about these platforms. Lendenclub is the biggest fraud amongst all.

@shankarnath Год назад

Hi, this is serious. Thanks for this note. Has someone taken this up i.e. published it in an article or explained in video? Maybe Moneylife or The Ken might have done an expose. If yes, kindly share the link.

@rajasreedharbabu3840 Год назад

I am investing in P2P for the last 3 years. My yield is just 4% per annum. They claimed much more yield during investment. Pathetic and never invest. Lendenclub is big fraud.

@shankarnath Год назад

@@rajasreedharbabu3840 Thanks for sharing your experience

@sivag2032 Год назад

Agree to ur points,P2P is diaster for any investor

@AbhinavRege Год назад

@@shankarnath do check out Monexo, and how they work with RBI to remain complaint and have about 0.5 - 1% NPAs

@shailesh24071982 Год назад

wonderful clarity on the topic. Could not avoid subscribing to this channel. Got a lot of knowledge content in this video.

@shankarnath Год назад

Welcome aboard! Happy to know this video helped

@mohitoberoi4089 Год назад

Fully second your views. Grip n wint are good i would say, thanks for listing their competitors too. There is golden pi as well but their min ticket is 2l

@shankarnath Год назад

Glad you found it useful

@viks710 4 месяца назад

Well researched, thank you as always

@shankarnath 4 месяца назад

My pleasure!

@ralphrau Год назад

Balanced Advantage Fund is easier and safer way to generate 10% pre tax. If the Fund is at least 65% in Equity then LTCG will be 10%. Thus post tax will be 9%.

@pranavmahajan4190 6 месяцев назад

which Balanced Advantage Fund ? Can you shed some light on it?

@ralphrau 6 месяцев назад

@@pranavmahajan4190 ICICI PRUDENTIAL EQUITY & DEBT FUND (DIRECT) SBI EQUITY HYBRID FUND (DIRECT) MIRAE ASSET AGGRESSIVE HYBRID FUND (DIRECT) you may check out the 1yr 5yr and 7yr returns

@smokingbomberz 9 месяцев назад

I find your perception quite unbiased. Thanks for the valuable advice.

@shankarnath 9 месяцев назад

Glad it was helpful!

@Akash-jj8pi Год назад

Superb video sir. Very informative Please do more videos like this

@shankarnath Год назад

Thank you very much

@ankitjain195 Год назад

I just split my fixed income in a ratio of 75-25 where 75 % goes in physical gold which I can used as emergency and 25% goes into FD & municipal bonds where interest income is invested again in gold as worked so far and it is beating the market over a 10 year period. Fixed income investing is much more important than equity investment

@shankarnath Год назад

Thanks for sharing

@ankitjain195 Год назад

The major benefit is that you can avail gold loan which is lowest and can be used in various investment apportunities which comes market crash , stressed real estate deal you never know . And I can easily paired of making charges through those profit.

@soumyacareer Год назад

Physical gold ?

@Pantera9527 Год назад

@@shankarnath Shankar Nath be like "why u r even watching my videos" after hearing 75% income is used to purchase physical gold 🤣

@ghosejoy Год назад

Smart Investment really !! Because not only are you hedging with Gold but also hedging against the rupee falling in value. Great to see such smart solutions coming up in the public domain. Nice share.

@Randomcomment7699 Год назад

One of the best video editing I visit this channel because of Shanker narration

@shankarnath Год назад

Glad you like the presentation and our editor's work. Thanks!

@muiseec Год назад

Great content, as always.

@shankarnath Год назад

Much appreciated Ranjeet

@Anbu-Ini Год назад

Thanks for the amazing video, Shankar bro

@shankarnath Год назад

My pleasure

@sauvikdas3268 Год назад

My p2p investment experience - before 2020, i invested quite some amount in p2p lending platform and enjoyed high return ( (upto 35%). But Corona changed everything, everything crashed, the returns discontinued. Many of the borrowers defaulted and declared that they no longer can return the borrowed money. Later one year back , I got back all the remaining principal amount which was pending from that platform with out the interest amount. I would say i was lucky to get back my remaining principal amount. I hope this information helps.

@shankarnath Год назад

Yes, it does Sauvik. Thanks for sharing.

@shalinkapadia515 Год назад

LIQUILOANS is running on subvention of interest.

@sivag2032 Год назад

I lost most of principal amount after covit especially the short term loans.

@ahamedkabir2006 Год назад

Very good information

@Anione111 11 месяцев назад

Which p2p was that? You are lucky. I don't know how the p2ps get away with lying and showing low npa. I have lost nearly 30% of my portfolio to npa, write offs etc.

@Cal_Chou 2 месяца назад

Nice video, informative and thought provoking. Thanks for making this !

@shankarnath 2 месяца назад

Glad you liked it!

@dhavalpanchal8077 Год назад

Your Videos are "to the point". Nice job.

@shankarnath Год назад

Glad you like them!

@jayadevtn1987 Год назад

Thank you for sharing this video and also sharing your thoughts around each. I did find wint wealth good and had tried in it and find it useful ..apart from that fd and debt fund is all I have .

@shankarnath Год назад

Most welcome

@Yogee7777 Год назад

Thank you Shankar bro! It's a great content, given the market conditions and economic situation which we are going through now. I just picked few weeks back Muthoot fin corp bond AA rating. Thank you once again ❤️.

@shankarnath Год назад

My pleasure

@SurenderSingh-rt3fk Год назад

Thanks for putting so much effort,Was very worthwhile 👍

@shankarnath Год назад

My pleasure. Glad you liked it

@sms9865 Год назад

Another great video loaded with Info, Info and Info. There is no forth in your video that will not be useful to the viewers 😊😊

@shankarnath Год назад

Thank you very much. Yes, the idea is to present information & analysis so that viewers can decide for themselves. Esp. with investments, information is half the battle

@New_Begining 7 месяцев назад

The video gave indepth insight into some of the other investment opportunities with their pros and cons. Thank you.

@shankarnath 7 месяцев назад

Most welcome. Glad you liked it

@nikhiltillu6201 Год назад

Hi Shankar, nice informative video. Ive invested in invoice discouuntung since last 1 year, ans its doing good.

@shankarnath Год назад

Thank you Nikhil for liking it & for sharing your experience with inv. discounting

@subhashpareek9798 Год назад

The warning is the best part in this video

@kunalsahny9489 Год назад

Have been using 12% club and trade cred from past 2 years , no issue till now getting returns around 11-12 % Though i have kept the limit to 15 % of my total fixed income As a tool to bring my overall fixed income yield to 8%

@shankarnath Год назад

That's good to know. Thx for sharing

@pradeepmasand9243 5 месяцев назад

Well researched and the efforts put in. Really appreciate the way it has been presented

@shankarnath 5 месяцев назад

Thanks a ton. Glad you liked it

@ramakrishnaak 6 месяцев назад

Excellent sir

@shankarnath 6 месяцев назад

Many many thanks

@vijetarvindpatil7579 Год назад

Pranam Shankar Guruji!!!

@HimanshuSharma-ec6hy Год назад

Thank you Shankar and your team for sharing such a delightful, intriguing, insightful and thought provoking videos over such wide range of investment topics every other time, with the right touch of unbiased views and analysis in backdrop to support! It’s quite clear and evident from the content richness of your videos and framework you follow in each video, the level of efforts you and your team puts in! In India (unlike equity market) the debt market seems to be not that broad and accessible to the retail investors like to our counterparts in US, China, UK etc. May be because majority of bonds are available on OTC. If it makes sense, can you please also create a video in your style on investor options, risk vs reward analysis, trusted platform/options available beyond debt MF etc. to explore this area more broadly…

@shankarnath Год назад

Thank you Himanshu for your kind words and endorsement of my content style. I am keen on building this channel into a community of learners and having two sided conversations .. and hopefully it can branch beyond investing and get into case study development, passive income, second income, better goal planning etc. Yes, I can certainly do that. I did a video earlier where I explained how my equity portfolio is designed. The debt part of my MF portfolio (until now) is a mix of short duration funds and target maturity funds -- so not much to say there. I also don't complicate my matters by wondering about YTM etc. as return of capital is more important than return on capital in the case of debt. Allow me sometime to build and present something more concrete on this. Thanks again for the encouragement

@jayeshkashyap4916 Год назад

Thanks Shankar.. it was nicely explained without any bias…Got learn some new avenues like P2P lending, asset leasing, etc.. I have been an investor with Wint wealth n so far experience is good..

@shankarnath Год назад

Most welcome, Jayesh .. and thanks for sharing your experience with WW

@cyrusirani5080 Год назад

Please dont invest in P2P.

@ThopalliVenkatRamamurthy Год назад

Insightful Shankar

@shankarnath Год назад

Thank you!

@akhileshsaraswat4983 5 месяцев назад

I have came to know first time these information. Although no money to invest currently

@saptarshikonar6158 Год назад

Super informative 👍

@shankarnath Год назад

Glad it was helpful!

@raizanumrigar2587 Год назад

Hi Shankar, Once again a very informative video coming from your end. I would like to know if you have any plans on making a video on the textile sector, similar to the ones you made on the cement & hotel sector. Thanks in advance

@shankarnath Год назад

Thank you Raizan. I am taking up sectors one by one & the next one in my list is an important sector -- banking

@ChetanSankhala Год назад

moral: every investment has risk. diversity is the key.

@hazrahadee6257 Год назад

Excellent presentation and information. I love the fact that you present a wealth of information in simple terms that anyone can understand. I wanted to know more about platforms like Growpital and the risks involved. There are many ‘sponsored ’ videos out there. Appreciate it if you could do a video on it. 🙏

@shankarnath Год назад

Thank you for your kind appreciation and suggestion

@power9Vision 9 месяцев назад

Great, How would you compare the risk vs reward return proportionality and are they governed and insured by SEBI or FDIC/NIPC insured like in the US

@helpfullyhonest7767 Год назад

On top of this, a general advice to all my friends, don't invest in any platform where they don't have a physical location. For example if 12% club becomes bankrupt there is no way you can file an FIR or complaint against this agency.

@nabeelyahiya Год назад

For the time being I will stay away from such investments. Good video👍

@shankarnath Год назад

Thanks

@svnrm2004 Год назад

Thanks. So in short, contend yourself with max 7% with safer instruments

@TarunKrSingh Год назад

SIr your videos are very Informative and I want the knowledge to be spread across most of the population for that I would request you to please Include Hindi as well or make a Hindi channel altogether so that people who understand the concept a little easier.

@shankarnath Год назад

Thank you very much. I have plans to do Hindi content but as a single person it is currently difficult to make videos in two very distinct languages without compromising on video quality which will not help anyone. I will circle back once there is a viable solution or if you have a solution, pls do let me know. I want to explain in Hindi but without compromising on content research time

@kevaljain503 Год назад

For the fixed income portfolio, I am going with the senior secured corporate and state guaranteed bonds (50%), FDs(20%), gold(30%). I have gained conviction on the bonds mentioned above but able to built the conviction on any of the 4 options discussed other than senior secured bonds because of the credit risk and the time consumed to gain the fixed income which is at risk. It is better to deploy such money to blue-chip equities with less risk. I am still researching a bit to gain more conviction on REITs in terms of the returns provided. It will be of great help if you could add up on the REITs video in terms of decision to buy REITs over Residential/Commercial/Industrial real estate in terms of return and default risk.

@shankarnath Год назад

Thanks for sharing. In the REIT videos, from what I had then discovered, the market-price-to-NAV seemed a useful way to check for over and undervaluation. Unfortunately some changes in the budget requires us to rework as REITs like Embassy are projecting a big drop in distribution which will affect demand (and therefore share price) for the product. I'll circle back once I find something worthy

@Vinkalm Год назад

Great content Shankar. Can you also do a video on RBI bonds like T- Bills

@shankarnath Год назад

Thank you. It's a very niche topic. What would you like to know specifically under T-Bills?

@Vinkalm Год назад

@Shankar Nath how did these work, is it good to invest and if yes how should we, what should be our asset allocation to these Can these be used for long- term like pension or child education ?

@prk3136 Год назад

Good information for fixed income.

@shankarnath Год назад

Glad it was helpful!

@brownman3654 Год назад

For regular income I'm investing in Reit and Invit.

@venkatakrishnan9690 6 месяцев назад

Sir you are a amazing talent, 1st time i viewed this video, I am really happy to hear the professional way you give this video presentation and your voice is absolutely suits to the content. I love to see you soon joining CNBC-TV18 and doing more videos, interviews of big mutual fund - fund managers on the

@shankarnath 6 месяцев назад

So nice of you. Thank you so much 😀

@sourabhmayekar3354 Год назад

Good one

@shankarnath Год назад

Thanks

@phanitejca Год назад

one of the best youtuber you are

@shankarnath Год назад

Thanks for your kind appreciation

@millennialmind9507 Год назад

Which one you use? And can you also tell through which app?

@95yashsheel Год назад

Nice explanation 🙏👏. Which is white coloured desk top behind you on your desk?

@shankarnath Год назад

Thanks. Do you mean the book? There are two of them in white: 1. The Most Important Thing by Howard Marks 2. The Almanack of Naval Ravikanth by Eric Jorgenson

@flp30609 Год назад

Great Info, congratulations, but advisable to have it in Hindi too.

@shankarnath Год назад

Thank you very much. I'm looking at tools to convert my English videos to Hindi -- Aloud by Google is one such tool. It's still not released for public but once its ready, I'll want to test it out

@abhinav5847 Год назад

My experience with grip has been really good.

@shankarnath Год назад

Thanks for sharing

@manindermann8164 7 месяцев назад

Thanks your video is very high quality and honest information. please make video on your investment and your resons to check the risk and return justification also give details of your paid servics.

@shankarnath 7 месяцев назад

1. Most welcome, glad you found this compilation useful. 2. I have a video on how I have designed my equity portfolio in a different video. Pls have a watch: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-bN5QdxY3RVs.html 3. I don't offer any paid services at the moment

@HarshitGupta07 Год назад

Hi Shankar sir, please make a video on Debt Mutual Funds like how to select one? Currently, I keep my fixed income in cash and FDs, so willing to explore Debt MFs, PPFs etc

@shankarnath Год назад

I'll try. Thanks for your suggestion

@rahulk455 Год назад

Some videos on debt investments...

@aksket2000 Год назад

I believe in corporate bonds from wint wealth giving 9-11%. 20% options may be risky. Goldenpi may be another option but not tried yet.

@shankarnath Год назад

Thanks for sharing Sachin. I am yet to make up my mind from the context that mutual funds also offer corporate bonds but they spread the risk over dozens of bonds but in the case of these platforms, there is just one egg in that basket.

@healthwealth360 Год назад

Awesome video

@shankarnath Год назад

Thanks!

@mohanraj.s728 Год назад

Thanks!

@shankarnath Год назад

Thank you very much for this kind gratuity. Much appreciated

@rohititagi4758 Год назад

I have invested in Strata and Myre capital both are good and giving me rent on monthly basis.

@shankarnath Год назад

Thx for sharing.

@ramaliya197 Год назад

People say equities are risky.. But investing in equity through even a half baked mutual funds given enough time.. virtually all investors would have gotten thier money back with atleast 6 to 7 % cagr . Compared to the thousands who keep loosing their Capital to high interest schemes.. Net net one is far better of with a 50 50 allocation to secure fixed income at 6 to 7% return and large and mud cap equity through mutual funds.. In any 5 to 7 year rolling horizon you are almost sure if making 10% cagr in a tax efficient way with safety.

@Shankar-lz7zs Год назад

Nice information sir

@shankarnath Год назад

Thanks!

@anjuripavansaikumar8756 Год назад

I have been using GRIP from past 1 and half year mainly for Inventory Financing and the results are good(8%~10%). I invest in short term plans which will be around 3-4 months and cross verify the cash balance/burn of the company and then invest in it.

@shankarnath Год назад

Thanks for sharing. Any issues you faced so far?

@dtfdtf7860 Год назад

Just to be clear.. you mean 8-10% APY returns in which case for 3-4 months the yield will be between 3-5%?

@shankarnath Год назад

@@dtfdtf7860 Yes, you are right. It's like a 1 week fixed deposit. The interest rate card will say 4%, but 1 lakh will not become 1.04 lakhs in just one week. Same concept

@alfa5741 Год назад

Thanks for sharing wonderful information with all... Can you make a video on Index Funds...

@shankarnath Год назад

Most welcome. Thx for your suggestion. There are lots of videos on index funds. What are the 6-7 points you would like me to cover that are not sufficiently covered by others? I ask so because index funds is a vast topic

@alfa5741 Год назад

@Shankar Nath Right way to choose an index funds as compared to vast choices available and which ones to avoid

@sunildhanuka Год назад

Hi Shankar, I have invested in p2p like Faircent, Lendbox and have about 15% npa in Lendbox. Faircent is less than 2% npa. Invested in wint wealth and got timely repayment of interest and principal. Invested in grip and no issue at all in getting interest and principal.

@sunildhanuka Год назад

Response from Lendbox is standard answer and seems they are helpless. Overall I invested about 4 lacs in each product and did not made loss.

@shankarnath Год назад

Thanks for sharing, Sunil ji

@sunildhanuka Год назад

@@shankarnath do you provide any financial services for nri or hni

@shankarnath Год назад

@@sunildhanuka Not presently

@sunildhanuka Год назад

@@tkdevlop I checked with their customer service and they said we are trying to recover

@priyankasanthmayor1030 Год назад

In liquiloans you don't invest directly to any lenders .any way to verify whom the money is lend to?

@preethishukla8403 3 месяца назад

Good video

@shankarnath 3 месяца назад

Thanks!

@manzoorhusain1990 Год назад

Is building depreciation considered in fractional real estate ?

@Rahul-ih2qv Год назад

Can you make a video on gold lease which is being offered by safegold and gullak like platform. More specific about safety of funds Thanks in advance

@shankarnath Год назад

I'll try. Thx for the suggestion

@sierratango9124 Год назад

Shankar you are a rockstar

@shankarnath Год назад

Glad you liked the content. Thanks

@manish_algomuse Год назад

RBI Retails Directs can be a good option also.

@nitmat14 Год назад

But isn't it a bidding system?

@LatzViz Год назад

Zero risk and return of 35 bips more rhan post offfice savings ..thus making highest return where GoI stands as guarantor.

@nitmat14 Год назад

@@LatzViz Do you bid for it each time? I have never got a hang of it yet

@pareshphede Год назад

Loved the video. Can you give some dope on invoice discounting platform Falcon.

@shankarnath Год назад

Thank you Paresh. I haven't tried Falcon as a platform. But maybe some other commentor might have tried it, can you check the comments below? Many viewers have written the goods and bads of their own experience, lots of useful info there

@03aravind Год назад

Please share risk free products.

@PrathamGupta2408 3 месяца назад

Thanks for the video. Can you pls share your thoughts on gold leasing (Safegold) and third party companies like myjar.

@shankarnath 3 месяца назад

Most welcome. Sorry, I have no idea about gold leasing

@pqpqpqpqpqpqpqpqpq Год назад

I will stay with fd only looking at risk

@atulsinha6298 7 месяцев назад

Please make a detailed video on SWP for senior citizens to ensure inflation proof income😂

@shankarnath 7 месяцев назад

Thanks for the suggestion

@swaminathanthiagu5682 Год назад

Excellent video. I came across fixed income in the agriculture sector- growpital. Interesting concept and tax free. Are you able to review this Shankar.

@shankarnath Год назад

Thanks for the suggestion