Fixed Returns – Fixed Income Investments in India

Fixed Returns: Reliable and Dependable Nets of Revenues Most investors need the sense of comfort and stability in an ever-changing financial environment. In the Seed Finserve, we understand that not all people are excited with the changes in the stock market. This is the reason why we offer you our fixed returns products that will make you rest in peace and would offer you secure growth and stable income protecting your capitals. Need to make some retirement planning, safety net or just want to diversify your portfolio of investments? Our wide selection of fixed returning solutions can give you the confidence to meet your goals.

The two reasons to prefer Fixed Returns. Fixed returns investments are suited to people who attach more importance to security and certainty. These products have pre-determined returns unlike the market-linked products and this enables you to plan your finances and not worry about fluctuations. They are particularly appropriate to:

Retired people who want to receive regular income
Cautious investors who are fond of low-risk investments
Families that plan of future expenditure such as education or marriage
Any investor seeking to diversify the portfolio and minimize the overall risk

We carefully find out the specific financial goals you might have, and how much risk you want to take, always recommending suitable fixed-return-based products just the way you need.

Fixed Deposits the Failure of Safe Investing One of the most popular and trusted instruments of fixed returns are called fixed deposits (FDs). They offer:

Competitive Interest Rates: Our FDs offer so much in terms of interest as they usually give more in terms of interest rates than other normal savings accounts and thus makes your money grow steadily and is guaranteed.
Flexible Tenures: A variety of tenures is available, a few months to several years as per the financial schemes you have.
Guaranteed Returns: You will know exactly what your money is going to earn when it is due, and this can easily be used to plan the expenses.
Simplicity in Access to Liquidity: Even though FDs have fixed terms, we provide an opportunity to obtain funds early in times of emergency so that you always have an insurance.

Our advisors guide you to choose the appropriate FD regarding your cash flow requirement, preferred tenure, and rate of returns. It is also our role to help with laddering (i.e. staggering several FDs across maturities) so that liquidity is improved and we drive the best returns.

Non-Convertible Debentures (NCDs): Greater Returns and Periodical Interests Non-Convertible Debentures (NCDs) are a good option to investors who want to receive more returns without exposing themselves to equity market risks. NCDs are fixed income securities which are secured with reputable companies, and which offer:

Increased Fixed Returns: Generally, the NCDs are more profitable compared to normal FDs, and therefore they are desirable to those who want to grow their revenues.
Monthly, Quarterly or Annual Payout of Interest: Select to receive payments of interest monthly, every quarter or annually, which allows constant flow of cash.
Diverse Tenures: NCDs offer short-term maturity or long-term maturity dependent on your investment horizon.
Credit-Rated Safety: only highly-rated NCDs are advised so that your investment is insured.

Our team undertakes a comprehensive due diligence on issuers and assists you in having a balanced yield and a safety NCD investment. We maintain you with the updates on the new issues, secondary market opportunities, and series of trends in the debt market.

Corporate Bonds: Stable Income That is Credible Issuers Other components of our fixed return products include corporate bonds. Through loans to established companies, you will get to earn:

Predictable Interest Income: Bonds pay a fixed coupon rate on a regular basis and therefore bonds are apt investments when the investor is interested in income.
Quality Selection: We select high quality bonds of financially stable companies with good performance and reduce risks of default.
Portfolio Diversification: By including corporate bonds in your investments, a sense of portfolio risk could be diminished, in addition to having stability when the market is trying.
Liquidity: Most bonds have the advantage of being sold on a secondary market in case you need to get out of a bond prematurely.

The advisors of Seed Finserve direct you to pick bonds that are in alignment with your risk level, your desire, and the length of tenure and income requirements.

Capital Protection: Protection Of Your Principal Capital protection can be considered as one of the greatest benefits of fixed return products. As does not happen with equities when the market moves in one direction or the other, meaning that principal can move up and down, fixed return instruments are designed in such a way that the principal is maintained in its original state. And here is how we make sure your capital remains safe:

Prudent Product Selection: We suggest only FDs, NCDs, and bonds issued by well known institutions and companies with sound financial strength.
Regulatory Compliance: Any product passed through regulatory compliance that adds an extra level of security.
Risk Assessment: Our consultants can tell based on your risk tolerance assessment and recommend only those instruments that would feel comfortable to you.
Diversification: You will invest in multiple issuers and maturities and we will create a position that is very diversified and makes you very unlikely to be subjected to any one kind of risk.

Capital protection does not imply the sacrifice of returns. Having a balanced product mix, you will be able not only to feel safe but also continuously develop.

Customising Fixed Return Solutions to your needs The experience of every investor is unique. Fixed return investing is about a personal approach at Seed Finserve:

Know Your Goal: First, we begin by talking in depth about your goals, time frame and income needs.
Risk Profiling: We determine your attitude and capacity to tolerate risk and the recommendation we give fits you exactly.
Product selection: Depending on your profile, we recommend a combination of FDs, NCDs and corporate bonds which provide an adequate balance between safety, returns and liquidity.
The monitoring process continues: We monitor interest rates, credit ratings and market news and advise on reinvestment or rebalancing in time.
Transparency in Reporting: You will be updated regularly and most of the statements are clear hence you are aware of how your investments are faring.

Seed Finserve Advantage Investing in fixed products through Seed finance will provide you with additional benefits besides the stable income. It implies being affiliated with a group that cares about your confidence and dedicates its efforts to preserve and increase your wealth.

Custom Service: We are good listeners and comprehend your individual problems and find solutions accordingly.
Expert Advice: Guidance as our experts have a thorough understanding of the market and a sense of solid commitment to your finances.
Rights and Responsibilities: Honesty and No Smoke and Mirrors-at all levels, no hidden fees, client communication, and advice.
Round the clock: Our support and advice is available throughout the life of the investment.

A good portfolio should include fixed return investments, which balance the portfolio, give you security, predictable returns, and sleep. We provide a balanced relationship between growth and security at Seed Finserve, and though your money works, it is safe and efficiently done. Need help planning your retirement, a major milestone, or wish to lock up your wealth, then look no further as our fixed-return products will provide the security you want.

Seed Finserve trust with the established tip-toe steps towards building and securing the future of the financial posterity.