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-   -   Where do you invest your money? (https://www.team-bhp.com/forum/shifting-gears/12877-where-do-you-invest-your-money-9.html)

If you want high returns, you have to take the NCD/bond route. For eg:



You can invest in these via large traditional brokers like Kotak, ICICI etc or directly via www.goldenpi.com (stratup funding by Zerodha)



However, liquidity and minimum lot size is an issue. Instead, you can just opt for debt mutual fund route and invest in "credit risk" and "corporate bond" categories.

https://www.valueresearchonline.com/...bt-credit-risk
https://www.valueresearchonline.com/.../?tab=snapshot

Look at Yield To Maturity % before picking a fund. This gives you an idea about what kind of returns you can expect. Eg:



To understand the terminology used by debt funds, refer to this thread:
https://www.team-bhp.com/forum/shift...ebt-funds.html

I'm planning to buy an apartment in the next 12 months. I have some cash and I'll be having some salary savings every month and I intend to use these for the down payment. Where do I park my funds ? I want the most appreciation with minimum risks. I don't think puting money in equity would be prudent given the short duration. Should I look at short term bond funds ? I have an account on Zerodha and I can purchases via coin.

With these asks, bank FDs are the least risky option.

Hi @SmartCat,

How do you view apps like Jiraaf, TradeCred, GripInvest, Upcide, etc. which allow retail investors to invest in other asset classes like:
1. Invoice discounting
2. Asset leasing
3. Corporate debt
4. Revenue based financing
A friend recently introduced me to this and he swore that invoice discounting is pretty safe with fairly good returns (~12-14%) as an alternate to traditional FDs.

What's your view?

Those fancy names itself sound scary to me. Is time like this safe for trying options like invoice discounting?

Well that's precisely what I wanted to confer with SmartCat.
With the traditional avenues drying up the returns, invoice discounting seemed decent especially with the 10-14% returns (there's only so many FDs one can make; more so when the equity market is scaring everyone).

A close friend swore by it, though he did mention that he invests only smaller amounts.
So just wanted to understand a more learned opinion.

Hiii everyone... Has anyone held FDs with Shriram Transport Finance... They have been offering the highest returns on FD but I am not sure how reliable they are. If someone has any insight, kindly share.