I am 30 years old and looking to invest Rs1 lakh annually for tax planning, in a manner that the returns are better
than bank fixed deposit returns.
I know, what I did is not correct — cause I would have to pay Short Term Capital Gains tax (but even if I were to pay 33 % highest slab — it is better
than bank fixed deposits — so I did not care)
Typically for a fairly priced piece of real estate cap rate should be a bit higher
than bank fixed deposits.
Not exact matches
Rather
than making
fixed interest payments each month, as with a traditional
bank loan, the business» repayment amounts fluctuate each month, with ebbs and flows in revenue.
Instead, it's the story of
banking insiders who saw a problem and decided to
fix it rather
than exploit it.
Such rates will generally be higher
than what home buyers currently pay, not only because
banks now offer substantial discounts from posted rates, but also because many buyers (40 % according to a July 2011 TD
Bank report) take mortgages with variable rates, which are lower
than fixed rates at least 85 % of the time.
The logistics turned out to be relatively simple: The chain spent roughly $ 60 per store on signage and opted to
fix the exchange rate at 12 pesos to the dollar — slightly higher
than the going rate — to cover any market fluctuations and
banking fees.
Bank of America reported better -
than - expected adjusted fourth quarter earnings Wednesday after a jump in loan growth offset a drop in
fixed - income trading.
If the
Bank of Canada had kept the exchange rate
fixed at - say - 0.85 USD, the prices that Canadian oil producers receive would be about 15 % higher
than what they get now.
The Aussie will decline to 72 US cents by year - end as restrained economic growth and inflation mean the Reserve
Bank of Australia will take a «few years» to catch up with the Federal Reserve in raising borrowing costs, said Philip Moffitt, Asia - Pacific head of
fixed income in Sydney at the firm, which oversees more
than $ US1 trillion.
As in other cities, 5/1 ARM rates were quoted as higher
than fixed - rate mortgages at every
bank except Third Federal.
The People's
Bank of China (PBOC) set the yuan midpoint rate at 6.5646 per dollar, 0.5 % weaker
than the previous day's
fix.
Annual growth is well down from the peaks seen in 1997/98, but it is still much stronger
than growth in household disposable income or
bank fixed deposits.
Synchrony
Bank offers more
than just higher interest rates on
fixed deposits.
Investors» perceptions about the intentions of these central
banks, rather
than economic fundamentals, are likely to remain the central driver of
fixed income markets.
Banks» 3 - year
fixed housing rates have also moved slightly higher since June, but remain nearly 100 basis points lower
than in mid 2002.
«Investors» perceptions about the intentions of central
banks, rather
than economic fundamentals, are likely to remain the central driver of
fixed income markets.
Imports / Exports are stand still, the
banks have stopped taking any
fixed assests and lands as
bank guarantee towards taking loans to over come this situations where you can not find buyers paying good towards what you sell when you need financial liquidity... but these time you can not sell unless you will sell it at the lowest ever in the market...!?! Honestly tired of that now more
than was tired before all that started but at least things were stable although many were deprived but managed to live by those upper hands / classes giving charity..
According to the study that was just recently conducted by the Soccerex Football Finance 100, which ranks the world's top teams based on both their playing and
fixed assets, money in the
bank, owner potential investment and debt, Arsenal has more financial power
than those big clubs:
Arsenal have # 766 million worth of
fixed assets — following their move from Highbury to the Emirates Stadium — more
than any other club in world football, while only Manchester United have more money in the
bank (# 307m)
than Arsenal's # 300m.
Like a couple in need of a powerful
fix, they soon discover they need action (Annie more
than Bart) as they devolve from robbing grocery stores to
banks.
There's a BorgWarner turbo for each
bank with a conventional
fixed impeller, rather
than the more sophisticated variable geometry turbos used in the Turbo.
I would rather have the extra 30 Lakhs as a
fixed deposit in a
bank & pay my extra cost of fuel of a petrol rather
than the diesel Q 5.
Though
Bank of America remained on top in terms of mortgage rates, we found that for Yonkers, the 15 - year and 30 - year
fixed rates across all
banks stayed closer to those in New York City
than to rates in Buffalo or Rochester.
The
Bank of Canada hasn't even started raising its overnight rate, which sets the trend for borrowing costs other
than fixed - rate mortgages.
The resulting rates showed that as a smaller direct lender, Carrington quoted a higher initial rate on the typical 30 - year
fixed rate mortgage
than any of the big
banks.
Debt funds invest in
fixed income instruments such as Corporate and Government bonds, are lower - risk investment options for those looking for better interest rates
than their
bank's savings accounts /
fixed deposits.
Don't get gouged by
fixed - rate mortgages that require hefty down payments or adjustable mortgages that will end up costing way more money
than the
bank will have you believe.
The average returns on equity indexed annuities (or
fixed indexed annuities) tend to be higher
than fixed annuities or
bank products due to the linking to index returns.
For a 30 - year
fixed conventional mortgage, AimLoan quoted us a rate of 3.75 %, which was almost 0.35 % lower
than the rate offered by Wells Fargo and 0.25 % lower
than the rate from
Bank of America.
An Ontario Mortgage is with a private individual or syndicate who has the net capital to invest and believes that an investment in
fixed property is sound and offers a better return
than is available from a
bank.
Bank or Post office Time Deposits may offer you guaranteed and
fixed income, but do note that the interest rates on these deposits can be lower
than all the above options and also the interest income is taxable.
Fixed index annuities are designed for people who want the potential to earn higher interest rates
than they would through traditional
bank products, 1 but who are uncomfortable with exposure to market volatility.
Historically the returns generated by endowment plans are less
than the
Fixed Deposit at the Public Sector
Banks.
They invest primarily in high yield bonds with an effective maturity of less
than three years but can also have money in short term debt, preferred stock, convertible bonds, and
fixed - or floating - rate
bank loans.
Hi Sreekanth, My opinion is that the first MCLR that will be
fixed by the
banks on April 1 2016 for say home loan will be lower
than the current base rates.
Whereas,
Fixed rate with tenor of more
than 3 years will be exempt from MCLR regime i.e.
banks will have discretion in pricing the product.
Mr. Amar secured a loan from an independent mortgage financing company, at a 2.89 % five - year
fixed - rate — lower
than the 3 % the
banks were offering at the time.
Since the qualification rate being used is the
Bank Of Canada (BOC) conventional 5 year
fixed posted rate, which is roughly 2 % greater
than current
fixed rates, the amount that the home buyer will qualify for will be less.
Additionally, it offers the benefit of helping your investment grow (better
than a savings account,
fixed deposits, and infrastructure bonds) with the same ease of access that more modern financial instruments... Continue reading PPF Account: List of 21
Banks Supporting It, PPF Interest Rate, and the Only 7 Things You Need to Know About PPF
And if you are an investor, you will get much higher returns
than you can on your
bank investments, or other comparable
fixed income investments offered elsewhere.
Under current
banking rules, only insured mortgages, variable rates and
fixed mortgages less
than five years must be qualified at a higher rate.
For homebuyers with less
than 20 % down payment — currently to qualify for a 5 year
fixed rate mortgage, borrowers are qualified based on the fully discounted rate which is currently more
than 2 % lower
than the
Bank of Canada benchmark rate.
While the variable - rate offers are lower
than the
fixed - rate offerings, the
Bank of Canada has raised its influential overnight rate target — which affects variable rate mortgages — three times since last summer and suggested it is on the path to higher rates.
Lower
than five years
fixed rate mortgages are being pushed more by the
banks.
Fixed Annuities — Fixed annuities will usually pay a fixed rate of return that is higher than what the banks are offe
Fixed Annuities —
Fixed annuities will usually pay a fixed rate of return that is higher than what the banks are offe
Fixed annuities will usually pay a
fixed rate of return that is higher than what the banks are offe
fixed rate of return that is higher
than what the
banks are offering.
And one more note... I have come to a conclusion that the BIG SIX
banks should not be considered if you are taking a
fixed rate product... that's a strong statement, but their penalty calculations are just too biased and we have seen several non-bank lenders step up and offer rates and terms just as competitive or even better,
than the
banks..
For example, a 30 - year
fixed mortgage rate may be one percentage point higher
than say a 5/1 ARM, but the borrower who goes with the
fixed loan is
banking on payment stability in exchange for a higher upfront cost.
Sloppy
banking habits could easily cost consumers more
than $ 600 per year, but they are easy to
fix.
Despite of the fact that the interest rates this issue is carrying are still higher
than almost all of the
bank fixed deposits, these rates are not attractive enough for me to put my money in these NCDs.