The FoundationFD / Bonds
FD+ & Structured Debt
The same job a bank FD does, parking money safely, done with better instruments. Corporate deposits, high-grade bonds and short debt strategies. Accessible in days, not years.
By Yash Jhaveri, Founder & CEO, Beyond
Beyond · JSL Wealth Management · Vadodara · ARN XXXXX
Last reviewed September 2026 · Regulatory position as at September 2026
Minimum₹1 L – ₹10 L
Indicative range6.5–7.5% p.a. (indicative)
Risk bandLow
LiquidityDays to weeks
Horizon1–3 yrs
What it actually is
A set of low-risk debt instruments: AAA and AA corporate FDs and bonds, target-maturity funds, and curated debt portfolios. Used as a stable anchor while the rest of the portfolio takes risk.
The job it does
- Parking surplus without an FD lock-in penalty
- Predictable, near-term cashflow
- A low-risk anchor for the wider portfolio
Why people use it
- Better liquidity than most alternatives — money out in days
- Laddered maturities can match known future expenses
- High credit quality keeps capital risk low
What can go wrong
- Credit risk: any extra yield is payment for lending below sovereign quality
- Bond prices move with interest rates if sold early
- Yields shown are indicative; reinvestment rates change
Does FD+ & Structured Debt belong in your architecture?
Seven questions narrow thirteen structures to a shortlist.
Adjacent materials
Education, not advice. We may earn referral fees when you invest through us. Full disclosures