Some endowment insurance policies also offer sort of higher interest rate than FD and bonus payout (if any). Down side is usually is mid to long term like 5 yrs - 20 yrs.
For 1 - 3 yrs, FD seem to be the way to go. Of cuz there is a faster way of buying unit trust fund, bond, shares etc... but those are not principal amount guaranteed schemes but if make it big it will definitely bring in more returns than your FD.
So besides bank FD, any other ways to get better returns with 100% principal amount guaranteed schemes?
