Bonds Vs Equity Vs FD: Which Investment Is Right For You? Vishal Goenka Answers

In this discussion, Vishal Goenka, Co-founder of IndiaBonds.com, sheds light on why bonds are becoming a key investment option for retail investors. He explains that everyone, from 25 to 75 years, should consider allocating at least 20% of their portfolio to bonds, as part of a balanced approach to asset allocation. Goenka outlines the benefits of investing in bonds, particularly in the current interest rate cycle, where market conditions are favorable for capital gains. He also emphasizes the importance of diversifying with equities for growth, noting that bonds offer greater flexibility compared to traditional debt instruments like Fixed Deposits (FDs), which have lock-in periods and limited transferability. With bonds, investors can diversify, exit, and enter as needed, while also securing higher returns compared to FDs. This makes bonds a versatile and attractive option for anyone looking to grow their wealth steadily while mitigating risks, with equities adding the potential for higher growth.