'Comparing the rates of interest with PSU banks, the three- and five-year time deposit rates of the post office are more favourable.'
Besides high portfolio yield, investors may enjoy capital gains in debt funds in 2023 as bonds rally in anticipation of rate cuts.
Given the prevailing uncertainties, investors must maintain a 10-15 per cent allocation to gold in 2023.
'AI can be very useful for making analysis and especially making city-based local forecasts.'
