Silver, often called "the poor man’s gold," is a unique asset caught between its industrial utility and its historical role as a store of value. Its price is a complex function of supply, industrial demand, monetary policy, and, increasingly, global politics. As we look ahead to the next five years (2026–2031), understanding these intertwined forces is crucial for any forecast. Current Analysis: A Dual-Purpose Metal Under Pressure In early 2026, silver trades with significant volatility. As an industrial metal, its demand is heavily tied to green energy technologies. Solar panels, electric vehicles, and 5G infrastructure all consume substantial amounts of silver. This creates a strong fundamental demand floor. However, high interest rates in major economies have pressured all non-yielding assets, including precious metals. Silver’s price often follows gold’s broader movements but with amplified swings due to its smaller, less liquid market. On the supply side, mining o...
Bank fix deposit (Bank FD) is a
fairly common and most popular investment option in India. But due to the
falling interest rates on bank FDs for the last few months, people are looking
for an alternative so that they can get good returns. Experts recommend such
investors to start investing in Corporate Fix Deposits (Corporate FD) with AAA
rating. One thing investors should know here is that corporate fix deposits
have a higher risk than bank FDs.
Corporate FDs with AAA ratings such
as HDFC Ltd and ICICI Home Finance Ltd give one to two per cent higher returns
than bank FDs. An investor must know the three risks before investing in a
corporate FD. Let's know what they are.
Default risk
Corporate FDs outside bank FDs are
unsecured. This investment product guarantees neither capital nor interest
payment security. If the company faces a financial crisis, as an investor you
may have to lose your money.
Return after tax
Interest on corporate FD adds to the
investor's income and is taxed as per the income tax slab. For investors who
fall in higher tax slabs, corporate FDs may not be attractive, as returns after-tax decrease.
Pre-mature withdrawal
Most company FDs come with a lock-in
period of three months, during which the investor cannot withdraw. Even after
completion of the lock-in period, pre-matured withdrawal means the closure of
the entire FD. There is no facility of partial withdrawal here. In addition, an
investor will lose some interest on withdrawals before the FD matures.
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