{"id":6047,"date":"2026-11-06T07:45:31","date_gmt":"2026-11-06T07:45:31","guid":{"rendered":"https:\/\/nrimoneyclinic.com\/V1\/if-your-bank-fd-pays-7-what-should-your-portfolio-earn\/"},"modified":"2026-11-06T07:45:31","modified_gmt":"2026-11-06T07:45:31","slug":"if-your-bank-fd-pays-7-what-should-your-portfolio-earn","status":"publish","type":"post","link":"https:\/\/nrimoneyclinic.com\/V1\/if-your-bank-fd-pays-7-what-should-your-portfolio-earn\/","title":{"rendered":"If Your Bank FD Pays 7%, What Should Your Portfolio Earn?"},"content":{"rendered":"<iframe  src=\"https:\/\/www.youtube.com\/embed\/wH4Iyv_pHNI?autoplay=0&cc_lang_pref=en&cc_load_policy=0&color=0&controls=0&fs=0&h1=en&loop=0&rel=1\"  title=\"YouTube video player\"  class=\"ayvpp responsive\"  width=\"506\"  height=\"304\"  data-ratio=\"16:9\"  frameborder=\"0\" allowfullscreen allowTransparency=\"true\"  ><\/iframe><p>What\u2019s 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 <!--more--> portfolio return target of 3\u20136 percentage points above the FD rate. He breaks down opportunity cost, inflation-adjusted returns, FD interest taxation, and how tax deferral affects compounding.<\/p>\n<p>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.<\/p>\n<p>#InvestmentReturns #PortfolioDiversification #FixedIncome #NRIInvesting<\/p>\n<p>LINK TO REGISTER FOR THE WEBINAR<br \/>\n &#8220;STRESS FREE RETIRED LIFE IN INDIA&#8221;<br \/>\n<a href=\"https:\/\/us06web.zoom.us\/webinar\/register\/3617892138642\/WN_Ps82sLY7TZmnnkgO2JWMQg\" target=\"_blank\" rel=\"nofollow\">https:\/\/us06web.zoom.us\/webinar\/register\/3617892138642\/WN_Ps82sLY7TZmnnkgO2JWMQg<\/a><\/p>\n<p>You can reach to us by sending a message on WhatsApp<br \/>\nWhatsApp Number: +971 551124596<br \/>\nOr click on the link below<br \/>\n<a href=\"https:\/\/wa.link\/2jh25k\" target=\"_blank\" rel=\"nofollow\">https:\/\/wa.link\/2jh25k<\/a><\/p>\n<p>We are not SEBI Registered Investment Advisors<br \/>\nWe are AMFi Certified Mutual Fund Distributors<\/p>\n<p>Services offered by NRI Money Clinic<br \/>\n* Life &amp; Critical Illness Insurance.<br \/>\n* Child education<br \/>\n* Emergency Funds<br \/>\n* Retirement Plan<br \/>\n* Health Insurance<br \/>\n* Wealth Building<br \/>\n* Tax planning ( investments to minimise tax impact)<br \/>\n* Dollar investment ( Only for NRIs in  Middle East and Africa )<br \/>\n* Mutual Funds ( NRIs other than in US &amp; Canada)<br \/>\n* PMS ( Portfolio Management Service)<br \/>\n* Fractional Real Estate<br \/>\n* Cash flow planning (Pension, Guaranteed Return plan , Fractional real estate)<br \/>\n* Tax filing and chartered accountant services. (Outsourced services)<br \/>\n* Wills and inheritance planning.  (Outsourced services)<br \/>\n* Property record legal verification (Outsourced service)<br \/>\n* Real Estate in Dubai (Outsourced service)<br \/>\n* Real Estate in Mumbai and Goa (Outsourced service)<\/p>\n<p>In case you are interested in using our services you can send a message on Watsapp:00971 551124596  or click on the link below<\/p>\n<p><a href=\"https:\/\/wa.link\/2jh25k\" target=\"_blank\" rel=\"nofollow\">https:\/\/wa.link\/2jh25k<\/a><\/p>\n<p>To know more about our business and our business model please watch the below video<br \/>\n<a href=\"https:\/\/lnkd.in\/g7cj2rgJ\" target=\"_blank\" rel=\"nofollow\">https:\/\/lnkd.in\/g7cj2rgJ<\/a><\/p>\n<p>Our Website: www.nrimoneyclinic.com<br \/>\nLinkedIn: <a href=\"https:\/\/www.linkedin.com\/company\/nrimoneyclinic\/\" target=\"_blank\" rel=\"nofollow\">https:\/\/www.linkedin.com\/company\/nrimoneyclinic\/<\/a><br \/>\nFacebook: <a href=\"https:\/\/www.facebook.com\/NRIMoneyClinicOfficial\" target=\"_blank\" rel=\"nofollow\">https:\/\/www.facebook.com\/NRIMoneyClinicOfficial<\/a><br \/>\nInstagram: <a href=\"https:\/\/instagram.com\/nrimoneyclinicofficial?igshid=ZDdkNTZiNTM=\" target=\"_blank\" rel=\"nofollow\">https:\/\/instagram.com\/nrimoneyclinicofficial?igshid=ZDdkNTZiNTM=<\/a><\/p>\n<p>CHAPTERS<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What\u2019s 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<\/p>\n","protected":false},"author":1,"featured_media":6049,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[109],"tags":[],"class_list":["post-6047","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-planning-videos"],"acf":[],"jetpack_featured_media_url":"https:\/\/nrimoneyclinic.com\/V1\/wp-content\/uploads\/2026\/11\/wH4Iyv_pHNI.jpg","_links":{"self":[{"href":"https:\/\/nrimoneyclinic.com\/V1\/wp-json\/wp\/v2\/posts\/6047","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nrimoneyclinic.com\/V1\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nrimoneyclinic.com\/V1\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nrimoneyclinic.com\/V1\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nrimoneyclinic.com\/V1\/wp-json\/wp\/v2\/comments?post=6047"}],"version-history":[{"count":0,"href":"https:\/\/nrimoneyclinic.com\/V1\/wp-json\/wp\/v2\/posts\/6047\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nrimoneyclinic.com\/V1\/wp-json\/wp\/v2\/media\/6049"}],"wp:attachment":[{"href":"https:\/\/nrimoneyclinic.com\/V1\/wp-json\/wp\/v2\/media?parent=6047"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nrimoneyclinic.com\/V1\/wp-json\/wp\/v2\/categories?post=6047"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nrimoneyclinic.com\/V1\/wp-json\/wp\/v2\/tags?post=6047"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}