Fixed income refers to investments that provide regular and predictable returns in the form of interest payments and principal repayment over a defined period. It is a low-risk, stable investment option, ideal for investors seeking capital protection, steady income, and portfolio diversification.
Government Bonds: Issued by Central/State Govts (e.g., RBI Bonds)
Corporate Bonds: Issued by companies to raise capital
Fixed Deposits (FDs): Bank/Company deposits with fixed interest
Public Provident Fund (PPF): Govt-backed with tax benefits under 80C
Debt Mutual Funds: Invest in bonds, treasury bills, etc.
Senior Citizen Saving Schemes: Govt schemes for retirees
RBI Floating Rate Bonds: 100% secure, interest resets every 6 months
Stable Returns: Earn predictable interest regardless of market volatility
Capital Protection: Ideal for conservative investors and retirees
Regular Income: Useful for monthly/quarterly income needs (like pensions or SWP)
Diversification: Balances the high-risk part of your portfolio (like equity)
Tax-Efficient Options Available: Investments like PPF, NPS, and Debt Funds offer tax advantages
Retired individuals seeking safety and income
Risk-averse investors who prefer stability
Individuals planning for short- to medium-term goals
Investors looking to balance equity in their portfolio
Risk: Low to Moderate | High
Returns: Fixed/Predictable | Market-linked/Variable
Liquidity: Moderate (FDs) to High (Debt MFs) | High (Stocks, Equity MFs)
Ideal For: Capital preservation + income | Wealth creation over long term
Choose the right mix of fixed-income products
Align them with your cash flow needs and life goals
Optimize tax efficiency (especially post-retirement)
Combine fixed income with equity for smart asset allocation
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