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Hans India
an hour ago
- Business
- Hans India
SIP vs RD: Which is Better for Building Wealth?
When planning to save consistently, two common choices are Systematic Investment Plans (SIPs) in mutual funds and Recurring Deposits (RDs) offered by banks or post offices. While both promote regular savings, they differ in terms of return potential, risk level, and taxation. Knowing how each option works can help you choose the one that best fits your financial goals and risk appetite. Key Takeaways • SIPs invest in mutual fund schemes and are subject to market movements, whereas RDs offer fixed interest returns provided by banks or post offices. • SIPs have the potential for higher long term returns but come with market related risks. • RDs are generally low risk and suitable for short term goals, though the returns may be lower compared to market linked investments. • Returns from SIPs are taxed as capital gains, while RD interest is taxable as income under your applicable tax slab. • Using both SIPs and RDs together can help balance growth potential and capital safety in your overall savings plan. How Do SIPs and RDs Work? Investment Type • SIP (Systematic Investment Plan): Market-linked investment via mutual funds. • RD (Recurring Deposit): Fixed-income product with guaranteed returns. Returns • SIP: Depends on mutual fund performance, potential for higher long-term gains. • RD: Offers fixed interest rate determined by the bank. Compounding • SIP: Linked to fund performance; compounding varies based on market growth. • RD: Compounded quarterly by banks. Taxation • SIP: Capital gains tax applies depending on fund type and holding period. • RD: Interest is added to income and taxed as per the investor's income slab. Suitability • SIP: Ideal for long-term wealth creation and goal-based investing. • RD: Better suited for short-term savings with capital safety. Minimum Investment • SIP: As low as ₹100/month (varies by AMC and fund type). • RD: Usually starts from ₹500/month, depending on the bank. Comparing Long Term Returns: SIP vs RD Systematic Investment Plans ( SIP ), particularly in equity mutual funds, have the potential to generate better returns over longer periods such as 5 to 10 years. This is due to the benefits of compounding and rupee cost averaging. However, since mutual funds are market linked, returns are not guaranteed and may vary. Recurring Deposits (RDs), offered by banks and post offices, provide fixed and assured interest. They are more suitable for short term financial needs, but their returns may not keep pace with inflation over longer durations. SIPs (Mutual Funds): • For equity mutual funds, Long Term Capital Gains (LTCG) tax is applicable at 12.5% (for investments held over 12 months), with an exemption of up to ₹1.25 lakh per year. • Short Term Capital Gains (STCG) on equity funds (if sold within 12 months) are taxed at 20%. • For debt funds, both short and long term capital gains are taxed as per your income tax slab, with no indexation benefits. Recurring Deposits (RDs): • Interest earned on RDs is considered Income from Other Sources and is taxed as per your applicable income tax slab rate. • TDS (Tax Deducted at Source) may also apply if interest exceeds the prescribed limit. How Compounding Works in SIPs vs RDs Recurring Deposits (RDs): Interest in RDs is compounded quarterly, offering steady and predictable growth. You know the maturity amount in advance, which makes RDs suitable for short term or low risk savings goals. Systematic Investment Plans (SIPs): In SIPs, returns (if any) are reinvested automatically. Over the long term, this compounding effect combined with market participation can potentially accelerate wealth creation. However, SIP returns are market linked and not guaranteed, so they may fluctuate based on fund performance. Managing Risk: Capital Safety vs Market Exposure • RDs protect your capital and offer assured returns. • SIPs involve market risk but offer a chance to earn inflation beating returns. If you are risk averse or saving for short term goals, RDs may be better. If you can stay invested for 3+ years, SIPs can work better for wealth creation. Balanced Strategy: Using SIP and RD Together Yes, combining a Systematic Investment Plan (SIP) and a Recurring Deposit (RD) can help you balance safety and long term growth: • Recurring Deposits (RDs) can be used for short term goals or emergency funds, as they offer fixed and predictable returns with low risk. • Systematic Investment Plans (SIPs) in mutual funds are suitable for long term goals like retirement, home purchase, or children's education, as they have the potential to generate higher returns over time, though they are subject to market risks. Conclusion Systematic Investment Plans (SIPs) and Recurring Deposits (RDs) cater to different financial needs. SIPs in mutual funds may help you build long term wealth through market participation, making them suitable for goals like retirement or home purchase though returns are market linked and not guaranteed. RDs, with their fixed and predictable returns, are ideal for short term needs and risk averse investors. You do not have to choose one over the other. A combination of both can create a balanced strategy offering capital safety for near term goals and growth potential for the future. Always align your investment choice with your financial goals, time horizon, and risk appetite. FAQs Q1. Which is better: SIP or RD? SIP is better for long term wealth creation. RD is better for capital safety and short term goals. Q2. Are SIP returns guaranteed? No, SIPs are market linked and returns depend on fund performance. Q3. Do RDs carry any risk? RDs are considered low risk with guaranteed returns. However, the returns may not beat inflation over the long term. Q4. Is SIP safe for beginners? SIPs can be a suitable option for beginners, especially when investing in mutual funds with lower volatility such as large cap or hybrid funds. While mutual fund investments are subject to market risks, starting with a small amount and staying invested for the long term can help manage risk and build investing discipline. Always choose funds that match your risk profile and financial goals. Q5. Can I invest in both SIP and RD at the same time? Yes. Many investors use RDs for short term needs and SIPs for long term wealth creation.
Express Tribune
3 hours ago
- Entertainment
- Express Tribune
Christopher Nolan's 'The Odyssey' IMAX tickets sell out a year before 2026 film release
On July 17 2025, 70MM IMAX tickets for The Odyssey went on sale at midnight eastern time, exactly one year ahead of its 2026 release date, and sold out in several key theatres within minutes. The Odyssey will be the first film fully shot with IMAX cameras, aligning with Nolan's preferred screening format. The film will be shown in fewer than 30 theatres across North America equipped to display 70MM IMAX, which contributed to the rapid ticket sales. At New York's Lincoln Square AMC, tickets sold out within five minutes of release. The Odyssey features a cast including Matt Damon, Tom Holland, Jon Bernthal, and Zendaya, with the production focusing on capturing as much of the epic story in-camera as possible. While the film's final runtime is yet to be confirmed, AMC currently lists a placeholder runtime of 2 hours and 40 minutes. The first trailer for the film debuted in theatres earlier this month but has not been released online. There will be four 70MM IMAX showings per theatre during the film's opening weekend, with potential for additional screenings closer to release. The Odyssey is scheduled to open in theatres on July 17 2026.
Express Tribune
3 hours ago
- Entertainment
- Express Tribune
Imax 70mm tickets now live for Nolan's The Odyssey
Tickets for Christopher Nolan's next film, The Odyssey, are now officially on sale in select IMAX 70mm theaters, more than a year before the film's scheduled release on July 17, 2026. IMAX confirmed the news via its official X account on July 17, stating, 'Tickets now live for IMAX 70mm showings of The Odyssey. A year ahead.' Get tickets now to experience the first IMAX 70mm screenings of #TheOdysseyMovie - A film by Christopher Nolan. In theaters 7 17 26. — IMAX (@IMAX) July 17, 2025 Shortly after the announcement, major cinema chains including AMC, Harkins, and Cinemark began showing listings for the film, with ticket booking available through platforms like Fandango. Listings have appeared for several major IMAX 70mm venues including AMC Lincoln Square in New York, AMC Metreon in San Francisco, TCL Chinese Theatre in Los Angeles, and BFI IMAX in London. These theaters are among the limited 30 or so worldwide capable of projecting in 70mm IMAX. This marks the first time Nolan has shot a film entirely in the IMAX 70mm format, which is considered the gold standard for cinematic presentation. While early ticket sales aren't unusual for blockbuster films, releasing tickets 365 days in advance is rare and underscores the exclusivity of the format and expected demand. The content of The Odyssey remains tightly under wraps. However, the announcement has generated immediate buzz across social media, with film journalists and fans alike confirming purchases. With limited capacity at 70mm venues and a full year of anticipation ahead, The Odyssey is already shaping up to be one of 2026's most anticipated cinematic events.
Time of India
9 hours ago
- Business
- Time of India
Auda's past plans erode Ahmedabad's urban lakes
Ahmedabad: Several ponds and lakes across the city have witnessed a significant reduction in their land area due to past Town Planning (TP) schemes drafted by the Ahmedabad Urban Development Authority (AUDA)—despite state govt policy prohibiting such reductions, sources have revealed. Areas such as Thaltej, Bopal, Memnagar, Vastrapur, and Charodi—once under AUDA's jurisdiction—have recorded shrinking lake and pond areas after being integrated into the Ahmedabad Municipal Corporation (AMC) limits. According to official sources, AUDA's TP scheme drafts—originally prepared for village lands that were later merged into the city—reduced the designated land for several water bodies. In at least five cases, the final plot area allotted for ponds was smaller than the original, leading to long-term disputes and stalled development. You Can Also Check: Ahmedabad AQI | Weather in Ahmedabad | Bank Holidays in Ahmedabad | Public Holidays in Ahmedabad For instance, in Bopal, AUDA's TP Scheme No. 2 shows the village lake's original area as 46,438 sq m, but the final plot was reduced to 44,432 sq m. Similarly, in Vastrapur TP Scheme No. 1, the pond—developed by AUDA nearly two decades ago—was originally allocated 73,957 sq m, but the final plot was only 51,761 sq m. In Thaltej, the situation is more complex. AUDA's TP Scheme No. 38 combined four original plots—three containing ponds and one with village land—into a single final plot. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like No annual fees for life UnionBank Credit Card Apply Now Undo While the total original area was 1,54,692 sq m, the final plot was reduced to 1,12,642 sq m. This has led to disputes over the exact size and boundaries of the Thaltej pond. The AMC has not yet taken possession of the land, and illegal encroachments continue to block development. An AUDA official, speaking anonymously, explained that during TP scheme drafting, a standard 40% land deduction was applied even to government lands—including ponds, wastelands, and grazing lands. This often resulted in merged or reshaped water body plots, inadvertently reducing the functional area of ponds. An AMC official clarified that, as per state government directives, no reduction or reshaping of pond land is allowed in TP schemes. "However, AUDA's earlier TP drafts did reduce and reshape pond areas. In finalized schemes where this has already occurred, no further changes can be made," the official said. Authorities now claim that new TP schemes comply with the no-reduction policy, but past decisions continue to pose legal and environmental challenges, with encroachments and disputes delaying the conservation and development of critical urban water bodies. Head: Status City Lakes (area in sq m) Name Original Area Final Area Thaltej Lake 1,54,692 1,42,642 Vastrapur Lake 73,957 51,761 Memnagar Lake 75,373 53,924 Bopal Lake 46,438 44,432 Charodi Lake 42,593 40,271
Geek Tyrant
11 hours ago
- Entertainment
- Geek Tyrant
Teaser Trailer For Eminem-Produced Superfans Documentary STANS — GeekTyrant
A teaser trailer and release date have been set for the Eminem-produced documentary Stans , about superfans and the rapper's song 'Stan,' which has become the definition of an overly-dedicated or obsessive fan. The doc is said to explore 'the rapper's trajectory through the prism of the following of his most loyal superfans.' Stans examines the complicated relationship between one of the world's most private artists and his massive public persona. Through stylized recreations, rare archival footage, and intimate original interviews, it follows Eminem's career and the passionate audience that has grown with him. AMC Theatres Distribution will launch the work, by Emmy-winning writer, director, and investigative journalist Steven Leckart, in 135 AMC theatres in the U.S. for a limited time period from August 7 to 10. All participating AMC theatres will offer at least two showtimes per day. The doc will also receive a full week awards-qualifying run at AMC Empire 25 in New York. Trafalgar Releasing will launch the film internationally on the same date in more than 1,600 theatres across more than 50 territories. Full screening details will be released on July 24. Alongside Eminem, producers are Paul Rosenberg, Stuart Parr, Antoine Fuqua, Tony DiSanto, David Schiff with DIGA Studios in association with Shady Films, Fuqua Films, Interscope Films, and MTV Entertainment Studios. Bruce Gillmer, Amanda Culkowski and Michael Maniaci are Executive Producers for MTV Entertainment Studios. Check out the teaser below:
