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4 conservative ways to lock the wealth for future

  • Highlights

  • Fixed deposits are stable investment sources

  • Bonds are excellent investment modes for low risk appetites

  • Invest in insurance cover to protect family’s financial future

  • Develop a disciplined investment habit with annuities

With market volatility at an all-time high, conservative investments help in safeguarding your funds. They yield fixed and minimum returns, without yielding any unprecedented profits or losses from sudden market upheavals. However, these investment options ensure future security, if invested for a considerable period.
These help in safeguarding your wealth, until a certain period when you need it the most. Here’s a look at four investment options to achieve these options:

DID You Know? Bajaj Finance Fixed Deposit offers assured returns of up to 8.35%*, along with multi-deposit, loan against FD, and auto-renewal facilities. Invest Online

Fixed Deposits

The foremost item of investment interest in terms of time and safety is fixed deposit. Here’s a look at some of the best benefits of investing in fixed deposits:
- Higher rate of interest than savings account
- Better safety and security of your funds
- Flexible tenors
- No impact of market fluctuations on your returns
- Facilities for loan against fixed deposits

Because of the time factor, fixed deposits in many countries is called term deposits or time deposits. Here money cannot be withdrawn before the stipulated maturity period, also availing loans against it at a competitive rate of interest.


For those with less risk appetite, bonds mean security under unpredictable market conditions. Apart from giving its investors tax advantages, short term bonds involve lesser opportunity cost in terms of smaller lock-in period than those taken for a longer tenor like 15-20 years.

Life Insurance Policies

Whole life insurance plans undertaken by an investor are the most important means to secure the financial future of your family. Your nominee can recover your sum assured after your death depending upon the premium paid, your health condition, your age and the time of taking out the policy.

Why should you choose Bajaj Finance Fixed Deposits?


This is yet another alternative investment option for the future and are unaffected by market fluctuations. Low cost annuities have a guaranteed pay back irrespective of the market condition.
An annuity is a contract between you and the insurance company. Here an investor pays money to the company in the form of premiums in exchange of which the later pays the former back at regular intervals. An annuity with a guaranteed payback, once purchased, yields you returns for the rest of your life even after the depletion of your account value.

DISCLAIMER: The mentioned fixed deposit interest rates are indicative only, and may be subject to change periodically. Please check the interest rates on our website.

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