If Your Bank FD Pays 7%, What Should Your Portfolio Earn?

NRI Money ClinicFri, November 6, 2026 7:45amURL:
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What’s a realistic investment return, and how much do you keep after inflation and taxes? In this episode of NRI Money Clinic, Dr. Chandrakanth Bhat explains how to use bank fixed deposit (FD) rates as a benchmark and illustrates a portfolio return target of 3–6 percentage points above the FD rate. He breaks down opportunity cost, inflation-adjusted returns, FD interest taxation, and how tax deferral affects compounding.

Learn how portfolio diversification can help manage risk and market volatility across mutual funds, ETFs, index funds, real estate, and fixed income investments such as government bonds and non-convertible debentures (NCDs). The episode also explores GIFT City investment options and USD target return funds for accredited NRI investors.

#InvestmentReturns #PortfolioDiversification #FixedIncome #NRIInvesting

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