RETUR CONVINIEN

S.NO TYPES OF ASSETS RISK N% CE LIQUIDITY

A BANK
1 CASA Low 3.5 high high
2 Bank Recurring A/c M-low 8 high medium
3 Bank Current A/c Low nil high high
4 Bank 1yr F.D Low 6.75 high medium
5 Bank2yr F.D M-low 7 high medium
6 Bank 5yr F.D High 7.5 high Low

B POST OFFICE
11 Post Office Saving A/C Low 3.5 high medium
5-YearPost Office Recurring Deposit
2 Account M-low 7.5 high Low
1.6.25/2.6.
50/3.7.25/
3 PostOffice Time Deposit Account Moderate 5.7.50 high Low
4 PostOffice Monthly Income Account Low 8 high medium

C GOVT &PUBLIC BOND

1 15year Public Provident Fund Account Moderate 8 high Low
2 KisanVikas Patra Moderate 8.4 high Low
3 Indra Vikas Patra Moderate 8 high Low
4 National Savings Certificate Moderate 8 high Low
5 Senior Citizens Savings Scheme Moderate 9 high medium
6 Public Scetor Bank Bonds Low 9 medium medium
7 Zero Coupon bonds Low 8 medium high
8 State Govt. Securities Low 8 medium high
9 Public Sector Undertaking Bonds Low 8 medium medium
 Bonds of Public Financial
10 Institution(PFIs) Low 8 medium Low
11 Pass Through Certificates(PTCs) Moderate 9-15.0 low Low
12 Municipal Bonds Low 8 medium Low
13 NABRD rural Bonds Low 8 medium medium
NABRD BHAVISHYA Nirman
14 Bonds(BNB) Low 8 medium medium
National High Way Authority of India
15 Bonds Low 8 medium medium

D SHARES
1 Blue Chip Shares Moderate 14-18 medium high
2 Growth Shares Moderate 20-25 medium high
3 Income Shares Moderate 15-20 medium medium
4 Cyclical Shares Moderate 10-15.0 medium Low
5 Speculative Shares Moderate 20-25 medium high

E FUTURE & OPTION

1 Index Future High 30-40 medium high
2 Index option High 30-40 medium high
3 Stock Future High 30-40 medium high
4 Stock Option High 30-40 medium high
5 Currency Future High 30-40 medium high
6 Currency option High 30-40 medium high

F MUTUAL FUND
1 Diversified Equity Fund Moderate 20-25 medium high
2 Aggressive Growth Fund High 20-25 medium high
3 Growth Fund Moderate 20 medium high
4 Index Fund High 20 medium high
5 Sector Fund High 15-25 medium high
6 Thematic funds Moderate 20-25 medium high
7 Equity Linked Savings Schemes (ELSS), Moderate 15-20 medium Low
Equity Income / Dividend Yield
8 Schemes Moderate 15-20 medium high
9 Arbitrage Funds Moderate 15-20 medium high
10 Contra Funds Moderate 15-20 medium high
11 Multicap Funds Moderate 20-30 medium high
12 Monthly Income Plan Low 5 medium medium
13 P/ E Ratio Fund High 15-20 medium high
14 Capital Protected Schemes Low 10 medium Low
15 Capital Protection Funds Moderate 10 medium Low
16 Gold Funds Moderate 15-30 medium high
17 Gold Exchange Traded Fund, Moderate 15-20 medium high
18 Gold Sector Funds Moderate 15-20 medium high
19 Real Estate Funds High 20-30 medium high
20 Commodity Funds High 20-30 medium high
21 International Funds High 15-25 medium high
22 Fund of Funds High 15-20 medium high
23 Exchange Traded Funds Moderate 15-20 medium high
24 Gilt funds Moderate 10-12.0 medium medium
25 Diversified debt funds Moderate 10-12.0 medium medium
26 Floating rate funds High 9-12.5 medium medium
27 Liquid schemes Low 4-6.0 medium high

G T BILLS & COMMERCIAL PAPER

Unsecure
1 91 day T-bills instru. 6.1495 medium high
Unsecure
2 182 day T-bills instru. 6.3519 medium high
Unsecure
3 364 day T-bills instru. 6.4232 medium high
Commercial papers 1yr(top Unsecure
4 companies) instru. 7.9-8.2 medium high
 Unsecure
5 6month CP(top companies) instru. 7.5-7.8 medium high
Unsecure
6 3months CP(top companies) instru. 7-7.25 medium high

H LANDS
1 Agricultural Land Moderate 15-20 medium Low
2 Semi Urban Land Moderate 20-25 medium medium

I INSURANCE
1 Endowment Assurance Policy Low 8 high Low
2 Money Back Policy Low 6-9.0 high Low
3 Whole Life Policy Low 6-9.0 high Low
4 Premium Back Term Insurance Policy Low 6-9.0 high Low
5 Children Education Plan Low 6-9.0 high Low
6 Medical Insurance Plan Low depend high Low
7 ULIP High 15-20 high Low

J PHYSICAL ASSSETE
1 Real Assets High 25-30 medium Low
2 Gold M-low 12.0-15.0 high high
3 Silver M-low 12.5-14 high high
4 Commodities High 20-25 medium
 Invest.amou
TAX nt in RS.

no 5hund.
no 250
no 2.5 thou
no 5thou
no 5thou
yes 5thou

no 50-1lac

no 10

yes 200
no 1500-450000

max 70000
deductible 500-70000
yes 100
yes 100
yes 100
no 1000-15lac
no 1000
no 1000
no 1000
no 1000
no 1000
no 1000
no 1000
yes 1000

yes 1000

yes 1000

no 2000
no 1000
no 1000
no 1000
no 1000

no 25thou
no 25thou
no 25thou
no 25thou
no 1lac
no 1lac

no 1000
no 1000
no 1000
no 1000
no 1000
no 1000
no 1000

no 1000
no 1000
no 1000
no 1000
no 1000
no 1000
no 1000
no 1000
no 1000
no 1000
no 1000
no 1000
no 1000
no 1000
no 1000
no 1000
no 1000
no 1000
no 1000
no 1000

no 25thu

no 25thou

no 25thou

no 2.5 million
no 2.5million

no 2.5million

no 3lac
no 10lac

yes 10000
yes 10000
yes 10000
yes 10000
yes 5000
yes 5000
yes 10000

no 10 lac
no 10 thou
no 1thou
10 thou