How to evaluate Non Convertible Debenture Offer?
Various companies are tapping money by offering NCDs at mouth watering rate of interest. Often investors get lured by the coupon offered by these NCDs and ignore key indicators of NCDs in terms of quality and future prospects. Read this space to know how to evaluate NCD offer.
Post retirement investment avenues for financial planning
Once you have retired, you no longer have a steady source of income. Managing your finances after retirement is different – but it need not be difficult. Financial expert Raag Vamdatt discusses various post-retirement investment avenues which can help one to enjoy a healthy financial life even after retirement.
Short end of the yield curve is still attractive
According to Arjun Parthasarathy, investors can invest directly into fixed income securities or invest in short term income funds in the current market. It is advisable to stick to the best credit quality given the rising levels of bad loans and restructured loans in the system.
Caution! Your PF amount may be taxable
Provident Fund (PF) is one of the best fixed-income instruments. This is so because PF is the ONLY debt product (apart from PPF; but where the investment limit is just Rs.1 lakh p.a.) where the interest rate is not only quite attractive but more-importantly also “tax-freeâ€.
Stick to RD for returns for assured returns in short term
If your investment time horizon is only 3-5 years, it would be best to stick to recurring deposit in a bank or post office rather than investing in the stock market, advises Harshvardhan Roongta of Roongta Securities.
Things to check while investing in Fixed Income instruments
For all those who are looking at making some fixed income investments there are few things that they need to check before they actually decide about completing this process. Only when these points are addressed should the individual be confident that the fixed income investment will serve a specific purpose, reckons financial advisor Arnav Pandya
When savings bank interest trumps fixed deposit earnings
There are times when a little bit of planning can lead to a better return as well as savings over a period of time.
Watch out for few basic details while withdrawing PF
There are a lot of people who have their Provident Fund accounts and there is always the question of how they should deal with the withdrawal of the amount here.
Timing rate cuts can hurt your fixed income investments
RBI's first quarter monetary policy review is coming up on the 31st of July 2012. Investors looking to invest in fixed income instruments will be wondering whether to invest before the policy review or after. Arjun Parthasarathy shares his view on what an investor should do in current interest regime.
What to monitor in Fixed Income instruments
It is a general tendency of investors to put their money in fixed income instruments and totally forget about it later. However this leads to loss of opportunities where the timely monitor could earn us more wealth. Read this space to know the key factors that one should look at after investing in a fixed income investment.
Understanding safety of bank deposits
When we open a bank deposit account, we assume that money deposited in the bank account is safe and will not have any issue in terms of getting the principal and interest back. This means that we assume that banks deposits are sound and safe.
Caveat Emptor: PPF is not a risk free investment
While talking to one of the well informed investors, I just ended up asking him his opinion on Public Provident Fund (PPF). The response was immediate and I was told ,‘ PPF is the best investment option because it is not just tax free but also risk free‘.
Exploring different types of NRI accounts
Are you a NRI? Are you confused on what to do with your bank accounts? Here is the quick guide on different types of NRI accounts and how to go about opening them?
How the Interest Rate cycle affects your debt portfolio
Investors often get confused when it comes to decode the relationship between interest rates and fixed income instruments. As the movement of interest rates affects the performance of Debt portfolio it is important to understand the concept clearly. Read this space to know the link between the interest rates and fixed income investments.
What you should look into before investing in FD?
Investing in any investment avenue requires at least some basic know-how on the part of investors. Just going by what your distributors / relationship managers / agents say can do more harm than good to your hard earned money. Here are some of the pointers you should check before signing that cheque to invest in a bank‘s fixed deposit.
Latest RBI measures non-event for fixed income mkt: Nomura
Neeraj Gambhir, Managing Director & Co-Head, Fixed Income, Nomura India tells CNBC-TV18 that the extra limit of USD 5 billion on government securities will take some time to be exhausted. According to him, it might take somewhere between two to three months.
Investments that will fetch good returns in next one year
In the current uncertain financial condition, investors are often perplexed on investments which will earn them good returns. Financial advisor Jitendra Solanki lists out various avenues available today in the fixed income space will help investors to earn that extra return without impacting their financial objective.
How does rise/fall in repo rates impact Bond yields?
RBI kept the interest rates unchanged on concerns of growth & liquidity issue. As bond shares inverse relationship with the interest rates, it becomes important to understand the concept clearly before investing in fixed income. Financial advisor Arjun Parthasarathy enlightens us on how the yield curves behave with the rise/fall of interest rates.
How do banks calculate interest on your savings a/c
RBI's deregulation drive on saving interest rates has created a competitive environment across banks in an effort to retain and capture a loyal customer base. Read this article to understand how savings rate work in current scenario.
Why joint central bank action is unlikely and won't work
Speculation that major central banks are planning coordinated action heightened on Friday on a media report that Group of 20 nations are preparing to provide liquidity to financial markets.
FMP is better than bank fixed deposit
Traditionally almost around 85% of the people in India invest their surplus funds in Bank Fixed Deposits, Postal Schemes etc. This clearly indicates that safety and security of the principal amount is the first priority when it comes to investment.
Indian govt bonds: Time for a rally to begin
Indian bonds have severely underperformed their global counterparts in the past year and given current market conditions, Indian bonds are likely to benefit from the sharp fall in bond yields across the globe.
How the changes in Small Savings Schemes benefits investors
Before investing in Small Savings Schemes it is very important to understand the recent changes brought in these instruments. Read this space to know how you can benefit from them.
Things to consider while investing in fixed income products
'It is always better to be safe than sorry.' This quote holds true for all the investments you make even for Fixed Income products. Read on to know what are the key points that you should check before investing in Fixed income space.
Buying Bonds: Go through the checklist
Bonds are fixed income instruments in which payment is made by the issuer to the subscriber on a fixed schedule, even though the amount may vary.
