Build a dependable income stream and protect your capital with fixed income solutions tailored for
stability, security, and steady returns.
“Not every part of your investment journey has to be high risk.”
At Helmsman Financial Services, we understand the importance of capital preservation and predictable returns in your investment portfolio. Fixed Deposits (FDs) and Bonds offer you exactly that — safe, stable, and reliable avenues to grow your savings while minimizing risk.
These instruments are ideal for preserving capital, generating steady cash flows, or parking funds earmarked for short-term goals.
Both FDs and most bonds are low-risk instruments, ideal for risk-averse investors.
Enjoy fixed or periodic interest payments, helping with cash flow planning.
Some bonds and FDs offer premature withdrawal or secondary market trading. One can also avail loan against fixed deposit to address temporary liquidity needs at reasonable rate of interest.
Recent changes in the Income Tax Act (Budget 2025), have made interest income from fixed income instruments virtually tax-free for individuals with total income up to ₹12 lakh annually, making these products even more attractive for middle-income investors.
They add balance to your portfolio alongside equities and mutual funds.
We calculate how much you’ll need and account for inflation, longevity, and lifestyle.
We design a mix of investments for growth pre-retirement and stable income post-retirement.
We help you review the plan regularly and adjust it as life evolves.
Risks to Keep in Mind
While Fixed Deposits and Bonds are generally safe, it’s important to understand below risks :
Rising rates may reduce the market value of existing bonds.
The issuer may default, especially with corporate bonds and NCDs.
Fixed returns may be eroded by inflation over time.
Exiting before maturity might reduce returns.
At Helmsman Financial Services, we carefully assess these risks and guide you in selecting products that align with your risk appetite and financial goals.
We begin by understanding your financial landscape—your cash flow needs, liquidity preferences, time horizon, and risk appetite. This ensures that your fixed income investments are well-suited to your personal financial goals.
Based on your profile, we curate a shortlist of options—from government securities and AAA-rated bonds to high-yield corporate FDs and NCDs—balancing safety, returns, and tax-efficiency.
We guide you in comparing multiple instruments by assessing interest rates, credit ratings, issuer credibility, and maturity profiles. Our goal is to align the right mix of fixed income investments with your unique objectives.
We assist you through the entire execution process—whether it involves placing deposits with NBFCs, subscribing to bond issuances, or transacting via secondary markets. Our partnerships with top-tier brokers and institutions ensure smooth, reliable, and compliant execution.
Our role doesn’t end at investment. We actively track changes in credit ratings, interest rate outlook, and issuer fundamentals. We proactively recommend rebalancing or reinvestment strategies as your needs evolve or market conditions shift.
What We Offer
Secure your capital with stable, interest-yielding investments.
Sanidhya Party Plot, Near Falgun Society, Beside Riddhi Tower Jodhpur Gam Road, Satellite, Ahmedabad – 380015, Gujarat, India.
