Bilkul sahi jawab! **Fixed Deposits** Money Market instrument nahi hain. 👏💡
Money Market instruments ke baare mein kuch interesting facts:
- 💨 Ye short-term hote hain, usually 1 saal ya usse kam ke liye
- 🔒 Inme risk kam hota hai aur liquidity zyada
- 💼 Big companies aur government in instruments ka use karte hain
Chalo, ab in options ko samajhte hain:
1. **Treasury Bills (T-Bills)**:
- 🏛️ Government ki taraf se jaari kiye jaate hain
- ⏱️ 91 days, 182 days, ya 364 days ke liye hote hain
2. **Certificate of Deposit (CD)**:
- 🏦 Banks aur financial institutions issue karte hain
- 🔄 7 days se 1 saal tak ke liye ho sakte hain
3. **Commercial Paper**:
- 🏢 Badi companies apne short-term needs ke liye issue karti hain
- 📅 Usually 270 days tak ke liye hote hain
4. **Fixed Deposits**:
- 🏦 Ye banks offer karte hain
- ⏳ Inki duration usually 1 saal se zyada hoti hai
- 💡 Isliye ye Money Market instrument nahi hain!
Yaad rakhiye, Money Market instruments ka main goal hai short-term mein paise ko safe aur liquid rakhna. Fixed Deposits long-term hote hain, isliye wo is category mein nahi aate.
Toh agli baar jab aap apna paisa invest karne jaayein, to in differences ko dhyan mein rakhiye! 🧠💰