Suppose you want to watch a movie—what is the first thing you check? The ratings, right? Just like movie ratings help you decide which film to watch, bond ratings help investors decide where to invest. These ratings are assigned by credit rating agencies and reflect the issuer’s ability to meet financial obligations. They serve as …
Understanding Bond Ratings: What Do AAA, AA and BBB Mean? Read More »
A widely-used strategy among investors to manage risk is diversification. This involves spreading investments across different assets, sectors, industries and regions to reduce exposure to any single risk. Bonds play a key role in a diversified portfolio, offering consistent returns while helping to balance the higher risks associated with assets like stocks. In this guide, …
Bond investment helps investors earn higher income compared to other debt instruments. However, certain bond pitfalls make investors susceptible to high risks, leading to financial losses. It is integral to avoid such losses to meet the financial goals. Ensure you avoid the following mistakes while investing in bonds to minimise risks and maximise income. 10 …
Top Bond Investment Mistakes to Avoid for Smart Returns Read More »
Investing in high-yield bonds can be an effective strategy for generating income, but it comes with its own set of risks. Unlike government bonds, high-yield bonds prove to be an ideal investment option among Indian bonds. To make informed investment decisions, it is crucial to know what factors to consider before choosing one. In this …
For the 2024 budget, Finance Minister Nirmala Sitharaman suggested two significant changes to the tax system to make it more appealing. Now, the standard deduction limit has been set to ₹75,000 which earlier used to be ₹50,000. Additionally, the income tax slab rules have undergone changes between ₹3 lakh to ₹10 lakh yearly income. Nonetheless, …
Capital gain bonds or 54EC bonds are specialised investment instruments offered by some selected institutions in India. Investors can avail a tax-saving opportunity by investing their money in these bonds after realising long-term capital gains from the transfer of capital assets like land, buildings or both. In this guide, let us find out how to …
As people enter their golden years, financial security becomes more crucial than ever. Seniors often seek safe and reliable ways to grow their savings without taking on excessive risk. One popular option is the fixed deposit. In this article, we’ll explore the benefits of fixed deposits for senior citizens, discuss why they are a preferred …
If you are among those investors who prefer to minimise risk, then you have probably already considered investing in debt mutual funds or bonds. Although bonds still share some risks, they are comparatively a lot safer when compared to equity-linked securities. Besides, their potential returns can beat other forms of traditional financial instruments like term …
Coupon Rate vs Yield to Maturity (YTM): Understand the Differences Read More »
Launched and managed by the HDFC Asset Management Company, the HDFC Corporate Bond Fund is a debt mutual fund option. If you are someone who is aiming to make a short-term or medium-term profit by investing in securities with a lock-in period of up to 3 years, then you can consider exploring the HDFC Bond …
Investing in debt ETFs in India is hassle-free if you have a demat account. However, if you do not have a demat account, you can consider opening one to start your debt ETF investments in India. You can invest in a diversified bond portfolio with debt ETF investments. Learn about debt ETF investment in detail …
Fixed deposits (FD) are secured investment options suitable for conservative investors. People invest in fixed deposits to get assured returns that are higher than other low-risk options like savings accounts. FDs are also used to diversify one’s portfolio to reduce risks. However, FD investors often look for high returns. While the interest rates are predetermined …
Maximize Your FD Profits: A Guide for Savvy Indian Investors Read More »
In financial emergencies, banks allow depositors to opt for a fixed deposit withdrawal before maturity. However, depositors can consider alternatives to premature liquidation to avoid paying penalties. Learn about the process of penalty imposition on premature fixed deposit withdrawal, as well as its disadvantages and alternatives to avoid penalty payments. Use the knowledge to plan …
How to Withdraw a Fixed Deposit: Process and Alternatives Read More »
Fixed deposits offer stable returns to investors wherein the interest rates are predetermined for a set period. The interest rate remains unchanged for the entire tenure of a fixed deposit booked. This means that to get higher returns, investors have one solution: to invest in an FD offering a higher interest rate. However, if you …
Fixed deposit laddering is an effective strategy to avoid the liquidation of long-term fixed deposits. It also helps depositors earn higher interest rates from a diversified fixed deposit portfolio. Investors can consider FD laddering to achieve a range of financial goals instead of depositing their entire corpus in a single FD. Learn about FD laddering …
Fixed Deposits have long been one of the safest investment options, offering stable income, guaranteed returns and low risks. They are an ideal choice for individuals who are looking to grow their savings over a fixed tenure. While withdrawing funds prematurely can provide immediate funds, it often comes with lower interest rates and penalties. In …
Need Funds Urgently? Here’s How FD Premature Withdrawal Impacts Your Investment Read More »
Equity and debt mutual funds are the most common investment options for individuals looking to grow their wealth. While both offer unique benefits, the choice between the two options depends on your financial goals, investment horizon and risk tolerance. To help you make an informed decision, let us compare equity mutual funds vs debt mutual …
Equity Mutual Funds vs Debt Mutual Funds: Which One Should You Choose? Read More »
Debt funds are mutual funds that pool money from investors to invest in debt securities that lend to various corporations and government bodies. The tenure of these instruments and the credit rating of each instrument held by a fund decide its risk level. Compared to equity funds, debt funds are often considered a safer investment …
Best Debt Funds for Long-Term Investment: Your Guide to Steady Returns Read More »
AAA-rated government bonds in India stand out as a secure investment choice, offering both safety and steady returns. These bonds carry a low risk of default, making them a trusted option for conservative investors. With their strong credit ratings, they provide a reliable income stream while protecting your capital. To learn more about these bonds, …
Wondering how to buy Sovereign Gold Bonds in India? These government-backed bonds offer a secure and cost-effective way to invest in gold without the hassle of storing physical gold. By purchasing SGBs, you not only benefit from the rising value of gold but also earn annual interest, making it a smart choice for wealth creation. …
How to Buy Sovereign Gold Bonds (SGBs) in India: A Step-by-Step Guide Read More »
Investors prefer bonds as these instruments ensure steady returns on their capital while reducing market-linked losses. You can perceive the benefits of these investments more clearly as you approach your financial goals, particularly when stock market fluctuations threaten to undermine your gains. Corporate bonds serve as debt obligations and are generally issued by businesses that …
What Are Company Bonds: A Beginner’s Guide to Corporate Bonds Read More »
When the Indian government requires financial support to meet various obligations, it seeks funding from the general public. Treasury bills are one of the dependable debt instruments used for this purpose. It is a promissory note that assures repayment in the future. To learn more about what a treasury bill is and other crucial details, …
What Are Treasury Bills? Understanding India’s Short-Term Investment Option Read More »
To foster new developments, the Reserve Bank of India (RBI) has collaborated with the National Stock Exchange of India (NSE) to enable retail investors to invest in government securities. As a result, now you may directly manage your investments made towards treasury bills (T-bills) and long-dated bonds. Earlier, only banks and large financial institutions could …
Introduction:As we approach the end of 2024, several prominent banks have raised their Fixed Deposit (FD) interest rates. These changes come amidst the Reserve Bank of India’s (RBI) decision to maintain its repo rate at 6.5% during the recent Monetary Policy Committee (MPC) meeting. If you’re looking for secure investment options with attractive returns, this …
Top Banks Revise FD Rates Ahead of RBI MPC Meeting: What You Should Know Read More »
To foster new developments, the Reserve Bank of India (RBI) has collaborated with the National Stock Exchange of India (NSE) to enable retail investors to invest in government securities. As a result, now you may directly manage your investments made towards treasury bills (T-bills) and long-dated bonds. Earlier, only banks and large financial institutions could …
Government Securities in India: What They Are and How to Invest Read More »
A lot of people mix up the terms ‘tax-free bonds’ and ‘tax-savings bonds’. However, in reality, both are different instruments. The main difference forms on how the tax treatment is implemented on each one of them. Generally, the government allows tax incentives to bond investors to foster long-term infrastructural developments. Thus, you can witness complete …
Tax-Free vs. Tax-Saving Bonds: Which Is Better for You? Read More »
If you want to reduce your tax liability while having a high tax bracket, you can invest in some of the best tax-free bonds in India. These bonds help you earn tax-free interest as regular income semi-annually or annually. Learn about these bonds in detail here to make an informed purchase decision. Top Tax-free Bonds …
Tax-free bonds issued by the government aim to collect funds for government activities. The government offers interests to the investors payable semi-annually or annually. Thus, if you invest in this type of bond, you can earn an income twice or once a year. Learn about this type of bond here in detail to make informed …
Tax-free Bonds: Meaning, Benefits and How They Work Read More »
You might be thinking about where to invest money to get good returns given market volatility. However, you can easily consider some of the secured investment options in India to get stable returns on your investment. It helps you reduce risks while diversifying your portfolio of investments. To help you choose your financial instruments, here …
As the financial landscape is ever-changing, we all need to make wise investment decisions to secure long-term safety and growth. Today, any person can hardly overstate the significance of long-term investments, as they play the most crucial role in combating inflation and achieving individual financial goals. The aim of this guide is to state the …
Best Long-Term Investment Plans for Future Security and Growth Read More »
Planning your investments wisely starts with understanding your liquidity requirements, risk appetite and investment tenure. For short-term goals, fixed deposits are a popular choice for their stability. Dive into this blog to discover more best short-term investment plans tailored to your financial goals. If you are planning to begin short-term investing soon, consider reading this …
