Fixed Deposit Management for Client Portfolios

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 ## Overview
 
-The Fixed Deposit Management feature allows financial advisors to track and manage their clients' fixed deposit investments within the IFANOW platform. This feature helps advisors maintain a complete view of client portfolios by including traditional fixed income products alongside other investment vehicles.
+The Fixed Deposit Management feature allows financial advisors to track and manage their clients' fixed deposit investments within the IFANOW platform. This feature helps advisors maintain comprehensive records of term deposits, monitor maturity dates, and provide better portfolio oversight to their clients.
 
-• Add new fixed deposits to client portfolios with complete details
-• Edit existing fixed deposit information including amounts and maturity dates
-• Delete fixed deposits that are no longer held by clients
-• View comprehensive lists of all client fixed deposits with filtering options
-• Track maturity dates and set up reminder notifications for upcoming maturities
+Key capabilities:
+• Add new fixed deposit investments to client portfolios with complete details
+• Edit existing fixed deposit information including amounts, rates, and maturity dates
+• View all fixed deposits across clients with filtering options for date ranges and reminders
+• Delete fixed deposit records when no longer needed
+• Access global reference data for setting up fixed deposits
 
 ## Prerequisites and Access
 
 **Requirements:**
-- Active IFANOW advisor account with portfolio management access
-- Client relationship established in the system
+- Active IFANOW advisor account with portfolio management permissions
+- Client-advisor relationship established in the system
+- Access to the Portfolio Management module
 
 **Navigation Path:**
-Portfolio Management → Client Portfolio → Assets → Fixed Income → Fixed Deposits
+Portfolio Management → Client Assets → Fixed Income → Fixed Deposits
 
 ## How-To Steps
 
-### How to Add a Fixed Deposit
+### How to Add a New Fixed Deposit
 
-Add new fixed deposit investments to track in your client's portfolio.
+Add a fixed deposit investment to a client's portfolio to track their term deposit holdings.
 
-1. Navigate to the client's portfolio page
-2. Select "Assets" from the portfolio menu
-3. Choose "Fixed Income" then "Fixed Deposits"
-4. Click "Add Fixed Deposit"
-5. Enter the deposit amount, bank name, and interest rate
-6. Set the start date and maturity date
-7. Add any additional notes or reference numbers
-8. Click "Save Fixed Deposit"
+1. Navigate to the client's portfolio in the Fixed Deposits section
+2. Click "Add Fixed Deposit" button
+3. Enter the deposit details including bank name, amount, interest rate, and maturity date
+4. Select the appropriate deposit type and tenure
+5. Review the information and click "Save"
+6. The system confirms successful addition and assigns a unique ID to the deposit
+7. The new fixed deposit appears in the client's asset list immediately
 
-The fixed deposit will immediately appear in the client's asset list and contribute to their total portfolio value. The system automatically categorizes it as a real asset in the portfolio.
+**Important:** All fixed deposits are automatically marked as real assets in the client's portfolio.
 
-**Warning:** Ensure all dates are accurate as these affect maturity tracking and reminder notifications.
+### How to Edit an Existing Fixed Deposit
 
-### How to Edit a Fixed Deposit
+Update fixed deposit information when details change or corrections are needed.
 
-Update existing fixed deposit details when information changes or corrections are needed.
+1. Locate the fixed deposit in the client's portfolio view
+2. Click the "Edit" option next to the specific deposit
+3. Modify the required fields (amount, interest rate, maturity date, etc.)
+4. Ensure all mandatory information remains complete
+5. Click "Update" to save changes
+6. The system displays a confirmation message upon successful update
+7. Updated information is immediately reflected in portfolio reports
 
-1. Locate the fixed deposit in the client's asset list
-2. Click on the deposit entry to open details
-3. Select "Edit" from the available options
-4. Modify any necessary fields (amount, dates, bank details)
-5. Review all changes for accuracy
-6. Click "Update Fixed Deposit"
+### How to View Fixed Deposits
 
-The changes take effect immediately and are reflected in portfolio calculations and reports.
+Access comprehensive views of fixed deposits with filtering and reminder options.
+
+1. Navigate to the Fixed Deposits section in Portfolio Management
+2. Select the specific client or leave blank to view all clients under your management
+3. Choose date range filters if you want deposits within specific periods
+4. Select reminder type to see deposits approaching maturity
+5. Click "View" or "Search" to display results
+6. Review the detailed list showing amounts, rates, maturity dates, and current status
+7. Use the displayed information for client discussions and portfolio reviews
 
 ### How to Delete a Fixed Deposit
 
-Remove fixed deposits that have matured or are no longer held by the client.
+Remove fixed deposit records that are no longer valid or needed in the portfolio.
 
-1. Find the fixed deposit in the client's portfolio
-2. Click on the deposit to view details
-3. Select "Delete" from the available actions
-4. Confirm the deletion when prompted
-5. The deposit is permanently removed from the portfolio
+1. Find the specific fixed deposit in the client's asset list
+2. Click the "Delete" option associated with the deposit
+3. Confirm the deletion when prompted by the system
+4. The system processes the removal and displays confirmation
+5. The deposit is permanently removed from the client's portfolio
+6. Portfolio totals and reports are automatically updated
 
-Once deleted, the fixed deposit no longer appears in portfolio values or reports.
+**Warning:** Deletion is permanent and cannot be undone. Ensure the deposit should truly be removed before confirming.
 
-**Warning:** Deletion is permanent and cannot be undone. Ensure the deposit should be completely removed rather than just marked as matured.
+### How to Access Fixed Deposit Setup Data
 
-### How to View Client Fixed Deposits
+Retrieve reference information needed for setting up new fixed deposits.
 
-Access comprehensive lists of all fixed deposits with filtering and date range options.
-
-1. Navigate to the client portfolio section
-2. Go to "Assets" → "Fixed Income" → "Fixed Deposits"
-3. Use the date range filter to view deposits within specific periods
-4. Apply reminder type filters to see deposits approaching maturity
-5. View detailed information including amounts, rates, and maturity dates
-
-The system displays current values, maturity information, and any pending reminders for each deposit.
-
-### How to Access Fixed Deposit Reference Data
-
-Retrieve global reference information needed for creating or updating fixed deposits.
-
-1. Access the fixed deposit management section
-2. The system automatically loads reference data including:
-   - Available bank options
-   - Current market interest rate ranges
-   - Standard term options
-   - Required field formats
-
-This reference data ensures consistent data entry across all client portfolios.
+1. Go to the Fixed Deposits management area
+2. Click "Global Data" or "Setup Information"
+3. Review available banks, standard interest rates, and tenure options
+4. Use this information when adding new deposits to ensure consistency
+5. Reference data helps maintain standardized entries across all client portfolios
 
 ## Rules and Limits
 
-• All fixed deposits are automatically classified as "real assets" in client portfolios
-• Client-advisor relationship must be validated before viewing or modifying deposits
-• Date ranges are optional when retrieving deposits - system defaults to all records if not specified
-• Reminder types are optional and default to no reminders if not set
-• Advisor ID and Client ID validation is enforced for all operations
-• Only advisors with proper client relationships can access deposit information
-• System validates hierarchy relationships between advisors and clients before allowing access
+• Fixed deposits are automatically classified as real assets in client portfolios
+• Client-advisor relationship must be verified before viewing or modifying deposits
+• Date range filtering accepts start and end dates with zero defaults for no filtering
+• Reminder types can be set to zero for no reminder filtering
+• All fixed deposit operations require valid client and advisor identification
+• Successful additions generate unique system IDs greater than zero
+• Global reference data must be available for proper deposit setup
+• Version validation ensures proper security token handling for all operations
 
 ## Common Questions
 
-**Q: Can I add fixed deposits for any client in the system?**
-A: No, you can only add and manage fixed deposits for clients who are assigned to you or within your advisor hierarchy.
+**Q: Can I view fixed deposits for all my clients at once?**
+A: Yes, leave the client selection blank when viewing deposits to see all clients under your management, or specify individual client IDs for focused views.
 
-**Q: What happens to portfolio calculations when I add a fixed deposit?**
-A: The fixed deposit value is immediately included in the client's total portfolio value and asset allocation calculations.
+**Q: What happens if I delete a fixed deposit by mistake?**
+A: Deletion is permanent and cannot be undone through the system. You would need to re-add the deposit with all original details if it was deleted in error.
 
-**Q: Can I set up automatic reminders for fixed deposit maturities?**
-A: Yes, you can specify reminder types when viewing deposits, and the system will notify you of approaching maturity dates based on your settings.
+**Q: Can I set up reminders for upcoming fixed deposit maturities?**
+A: Yes, the system includes reminder functionality that allows you to filter and view deposits based on maturity approaching dates.
 
-**Q: What information do I need to add a fixed deposit?**
-A: At minimum, you need the deposit amount, bank name, interest rate, start date, and maturity date. Additional reference information is available through the global data feature.
+**Q: Do I need special permissions to add fixed deposits to client portfolios?**
+A: You need standard advisor permissions and an established client-advisor relationship. The system validates this relationship before allowing any deposit operations.
 
-**Q: Can I recover a fixed deposit after deleting it?**
-A: No, deletions are permanent. If you accidentally delete a fixed deposit, you'll need to re-enter all the information manually.
+**Q: Can I modify a fixed deposit after it has matured?**
+A: Yes, you can edit fixed deposit details at any time, but ensure the information accurately reflects the actual investment status and terms.
 
 ## Troubleshooting
 
-**Problem:** Cannot add fixed deposit - access denied
-**Cause:** You don't have the proper client relationship or advisor permissions
-**Fix:** Verify the client is assigned to you and your account has portfolio management permissions
+**Problem:** "Fixed deposit not added" message appears when trying to save
+**Cause:** Required information is missing or invalid, or system validation failed
+**Fix:** Check all mandatory fields are completed correctly and retry the save operation
 
-**Problem:** Fixed deposit not appearing in portfolio after adding
-**Cause:** System processing delay or validation error during creation
-**Fix:** Refresh the portfolio view and check if all required fields were properly completed
+**Problem:** Cannot view fixed deposits for a specific client
+**Cause:** Client-advisor relationship not properly established or permission issue
+**Fix:** Verify the client is properly assigned to your advisor account and you have appropriate access permissions
 
-**Problem:** Cannot edit fixed deposit details
-**Cause:** Invalid data format or missing required information in the update
-**Fix:** Ensure all dates are in correct format and all mandatory fields are filled before saving
+**Problem:** "Fixed deposit not found" appears when trying to access deposits
+**Cause:** No fixed deposits exist for the specified criteria or client
+**Fix:** Verify the client has fixed deposits entered in the system or adjust your search filters
 
-**Problem:** Global reference data not loading
-**Cause:** System connectivity issue or missing reference data configuration
-**Fix:** Try refreshing the page or accessing the feature at a different time; reference data may be temporarily unavailable
+**Problem:** Global data not loading for fixed deposit setup
+**Cause:** Reference data service temporarily unavailable or configuration issue
+**Fix:** Wait a few moments and retry accessing the global data, or proceed with manual entry if urgent
+
+**Problem:** "Fixed deposit not deleted" error when trying to remove an entry
+**Cause:** The deposit may be referenced in reports or have dependencies preventing deletion
+**Fix:** Check if the deposit is used in any active reports or calculations before attempting deletion again
 
 ## Related Features
 
-- **Client Portfolio Overview** - Fixed deposits appear in overall portfolio summaries and asset allocation charts
-- **Portfolio Reporting** - Fixed deposits are included in all standard portfolio reports and performance calculations
-- **Token Authentication** - Requires valid advisor authentication to access any fixed deposit features
-- **Asset Management Dashboard** - Fixed deposits appear alongside other client assets in the main dashboard view
+This feature connects with several other IFANOW modules:
+- **Client Portfolio Overview** - Fixed deposits contribute to total portfolio valuations and asset allocation reports
+- **Token Service Authentication** - Requires valid advisor authentication tokens for all operations
+- **Asset Management** - Fixed deposits are classified within the broader asset management framework
+- **Client Reporting** - Fixed deposit details appear in comprehensive client portfolio reports
+- **Reminder Management** - Integrates with system-wide reminder functionality for maturity date notifications