There are fixed-income investments providing an assured return while there are other investments which provide returns linked to market. The decision to choose between fixed and market-linked investments is fairly simple. For a financial goal that is still few years away, the reason to take risk might still exist while for goals that needs to be met within few months or 2-3 years, taking risk with money is not suggested.
For investors, the choice between fixed-income investments and market-linked investments becomes more pronounced when it comes to meeting goals. Both fixed-income and market-lined investments have a role to play in creating wealth and achieving goals. Let’s see what they are and how different investment avenues may be put to use while chasing goals.
Fixed-income investments
Interest-bearing investments such as bank fixed deposits, company deposits, post office small savings products and bonds are popular among fixed-income investors. They come with a fixed return and a pre-decided maturity period. They, therefore, belong to the debt-asset class.
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