January 27, 2011 11:26 pm
Both options give you good returns.What you have to look is how long you want to stay-5 years or 10 years.
Very much also depends on what will be the liquidity available if you want to redeem it after 5 years.
You cant say which is better and which is not , depends on your situation and what you are looking at , non-cumulative is something which will help someone who is looking for a income per year and cumulative is for someone who is looking for growth of his money over the years .
So you take which one you want .
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