Dividend yield mutual funds, with specific stock investments and risk profiles, offer regular income to low-risk investors. Sebi guidelines mandate significant portfolio allocation to dividend-yielding stocks, ensuring stability in returns over varied periods.
It is advisable to avoid consolidating all your funds into a single fixed deposit. Instead, consider adopting a laddering strategy. In this approach, the investment amount earmarked for FDs should be divided, but across different FDs.
A long-term investment is an investment approach in which an investor purchases assets and maintains them for a long run, usually more than five years, in accordance with his or her risk tolerance.