Deposits: the safe end of the shelf
What do an FD and an RD actually pay, and what is the part nobody mentions?
4 steps · Asset classes
The path
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FD Calculator
The simplest instrument there is, and the baseline every riskier one has to beat.
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RD Calculator
Monthly deposits instead of one lump sum, which changes the answer more than most people expect.
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How RD interest is calculated, and why it looks too small
Each instalment earns for a different length of time. This is why an RD pays less than an FD at the same rate.
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Real returns — why you divide, not subtract
Read this again with deposit rates in mind. It is where the safe end stops looking safe.
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After this one
If you invest monthly instead of all at once, are you better off — and what are you actually paying for?