YWS FINANCIAL SERVICES
FDs & Bonds
Compare tenure, issuer strength, interest terms, liquidity and capital risk.
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About this area
Fixed deposits and bonds can have different issuers, interest structures, maturity dates and risks. A stated interest rate alone does not describe the chance of delayed payment, early exit costs or loss of capital.
What to understand
- Check the issuer, credit rating source, maturity and payment schedule.
- Compare cumulative and payout options, tax treatment and premature exit rules.
- Understand market-price changes if a bond is sold before maturity.
Questions to ask
- Who owes the repayment and what protection, if any, applies?
- Is the rate fixed, floating or conditional?
- How easily can I access the money before maturity?