00:03If you are confused, do you want to do SIP or FD?
00:06If you are watching this video, just in a minute, the confusion is always finished.
00:15India has two popular investment options.
00:18SIP and FD.
00:20The goal is one thing.
00:22The price is the same.
00:23But the two are different.
00:25First of all, the simple language is the basic difference.
00:28First of all, FD, Fixed Deposit.
00:31If you add a fixed interest, you get a fixed interest.
00:34SIP, Systematic Investment Plan, which you can invest every month in mutual funds.
00:41FD is safe.
00:42SIP is for growth.
00:44The most important question is return.
00:48FD gives around 6-7% return.
00:52SIP gives long term 10-15% return.
00:55The simple thing is that FD is stable, but slow.
00:59FD is almost zero.
01:01The risk is almost zero.
01:02The bank is guaranteed.
01:03But SIP is linked to the market.
01:06So, it is on top, it is on top, it is on top.
01:07But one interesting thing.
01:09SIP means you can invest.
01:12The risk is automatically spread.
01:14FD means you can add a big amount.
01:17SIP means you can start 500.
01:20And you can invest every month.
01:22So, beginners can be easy.
01:24Now, this is a hidden truth.
01:27This is a hidden truth.
01:28FD return is not a big deal.
01:32This means you can invest in inflation.
01:33This means you have to pay for numbers.
01:34But the real value, purchasing power is lower.
01:39Note that FD has become 0.
01:39If you hear inflation will lower,
01:41If you think you can buy around 6% and FD will lower around 7%
01:43Then you can only grow just 1% you have to grow.
01:47Then the other regreses get up.
01:49So, SIP will come along term.
01:52When this means you can afford to be the market linked.
01:53and historically higher returns
01:56which can be comfortably
01:58beat the inflation.
02:02If you talk about tax difference
02:04then FD interest
02:05is a income tax lab
02:07according to tax
02:07and SIP
02:09long term investment
02:10comparatively
02:11low tax
02:11so SIP
02:13gives a little advantage
02:14so what choose
02:16do?
02:24FD choose
02:25if you don't have a risk
02:26and a short term goal
02:28is guaranteed return
02:29and SIP choose
02:31if you want to make long term
02:32wealth and a little risk
02:35and you want to make regular investing
02:37and you want to make regular investing
02:39FD is safe
02:40and SIP is quickly grow
02:43and smart people
02:44just one option
02:45both balance
02:47it's been out there
Comments