In the world of fixed income securities, Bonds and Fixed Deposits (FDs) are two dominant players, each with its own advantages and limitations. While FDs are widely used, bonds remain largely overlooked. In 2017, SEBI conducted a survey* to study investment patterns in households, which revealed that over 95% of households, preferred FDs as their […]

Mr. Mahesh had always been wary of bond investing. He had heard stories of investors losing money in bond investments because the company defaulted, and the thought of taking such risks made him very anxious. For years, he avoided any investment opportunity that involved bonds, even though his financial advisor tried to explain the benefits […]

Non-Convertible Debentures (NCDs) or simply ‘Debentures’ are long-term debt instruments issued by companies to raise funds from the public or institutions. These are also commonly referred to as ‘Bonds’. A debenture trustee is an independent third party appointed by the company to safeguard the interests of debenture holders. Debenture trustees play a critical role in […]

What is Bond redemption? Bond redemption is the process by which a bond issuer repays the principal amount of a bond to the bondholder on the bond’s maturity date. When a bond is issued, it has a specified term or maturity date, which is the date when the bond issuer is obligated to pay back […]

Delaying the initiation of a retirement savings plan is a common blunder that many individuals make. Another fundamental error in financial planning is neglecting savings in favour of fulfilling immediate desires. As individuals work throughout their lives, they often aspire to retire and pursue their passions. Therefore, it becomes critical to arrange their finances in […]

Introduction When you speak about investments, the first thought that pops into people’s minds is investing in stock markets. Stock markets can be exciting as individuals can become wealthy overnight. However, it comes with its fair share of risk. Share prices can drop as quickly as they increase, wiping out all of your hard-earned money […]

Mankind has treasured gold for thousands of years. The ancient Egyptians used gold for jewelry and decorative items, while the Greeks and Romans used it for coins and other currency. Gold has a special place in human culture and history. It has been used as a symbol of wealth, power, and prestige. People have been […]

“It’s only when the tide goes out that you learn who has been swimming naked” – WarrenBuffet The popular quote still holds true in 2023 where the world is watching as a sensational story of a US-based short seller taking on the Indian behemoth comes to light. Every other equity investor is hoping for a […]

Introduction: In the financial ecosystem, new and various types of financial instruments are regularly issued to the public to suit their individual needs. When it comes to equity investing, one can buy and sell equities in primary and secondary market. The primary market is where securities are first issued, after which they are exchanged on […]