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🔷 BOC Relax Investments with a 6-month Fixed Deposit (FD) for an investment of LKR 10 million:


💰 BOC Relax Investment vs. 6-Month Fixed Deposit: Which Yields More on LKR 10 Million? 🇱🇰

Are you evaluating the best short-term investment options in Sri Lanka? In this video, we delve into a detailed comparison between the BOC Relax Investment Plan and a 6-month Fixed Deposit (FD), analyzing which offers superior returns for an investment of LKR 10 million.

🔍 Key Comparisons:

BOC Relax Investment Plan:
Interest Rate: 6.75% per annum (AER 6.96%)
Monthly Return: Approximately LKR 55,400
Total Return over 6 Months: LKR 332,400
Features: Monthly interest credited to your account, providing regular income.

6-Month Fixed Deposit:
Interest Rate: 6.75% per annum
Interest Payment: At maturity
Total Return over 6 Months: Approximately LKR 337,500
Features: Lump-sum interest payment at the end of the term.

📊 Which is Better for You?

If you prefer regular monthly income, the BOC Relax Investment Plan offers consistent cash flow, making it ideal for managing monthly expenses. On the other hand, if you're looking to maximize total returns and can wait until the end of the term, the 6-month Fixed Deposit provides a slightly higher return.

📈 Considerations:

Tax Implications: Interest income may be subject to government taxes.
Liquidity Needs: Assess your need for monthly income versus lump-sum returns.
Investment Goals: Align your choice with your financial objectives.

📌 Stay Informed:

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Citations:

1. Boc: www.boc.lk/personal-banking/investment-plans/investment-accounts/boc-relax?utm_source=chatgpt.com

2. Boc: www.boc.lk/rates-tariff?utm_source=chatgpt.com

Thanks all🌷