Fixed income is not boring — it is the anchor that lets you take equity risks confidently.
Unlike equities, most fixed income instruments offer return of principal — critical for risk-averse and retired investors.
Regular interest payouts — monthly, quarterly, or annually — to meet living expenses, EMIs, or goals.
Fixed income reduces overall portfolio volatility and acts as a cushion during equity market downturns.
Instruments like PPF, SCSS, and Tax-Free Bonds offer tax benefits under 80C, 80TTB, and Section 10.
Even liquid debt funds outperform savings accounts after tax, with instant redemption facility.
Stagger maturities across 1, 3, 5, 10 years to manage reinvestment risk and ensure liquidity at intervals.
| Product | Indicative Rate | Liquidity | Risk Level | Taxability | Min. Investment |
|---|---|---|---|---|---|
| Bank FD (1 yr) | 6.5–7.5% | Medium | Very Low | Yes | ₹1,000 |
| Corporate NCD | 8.5–10.5% | Medium | Low–Med | Yes | ₹10,000 |
| Govt Bond | 7.0–7.75% | High | None | Yes | ₹10,000 |
| PPF | 7.1% | Low | None | No (EEE) | ₹500/yr |
| SCSS | 8.2% | Low | None | Yes | ₹1,000 |
| Debt Mutual Fund | Market linked | High | Low | LTCG/STCG | ₹500 (SIP) |
* Rates are indicative and subject to market / government revision. Consult your advisor before investing.
Senior citizens and retirees needing monthly income
Investors with financial goals within 1–5 years
Conservative investors who cannot afford to lose capital
High-income earners seeking tax-free bond returns
Anyone wanting to rebalance an equity-heavy portfolio
NRIs looking for stable INR-denominated income
Businesspeople parking surplus funds before reinvestment
THE SAHAYAK FIXED INCOME APPROACH
We map your income needs, existing assets, and risk appetite.
Staggered maturities across 1–10 years for liquidity and rate optimisation.
FDs, Govt Bonds, NCDs, Post Office, or Debt Funds — curated for you.
Seamless execution via NJ Wealth + annual review of the fixed income portfolio.
Let our advisors design a customised fixed income ladder — stable, tax-efficient, and aligned to your life goals.