Financial Planning 101 A notification buzzed, and both your mobile screen and your eyes lit up! (Dear Customer, Your Salary of Rs 1,82,336.00 is credited to you’re a/c no. XXXXX876 on 30-Nov-2023.) Perhaps the only text message that brings a smile to your face and a sense of relief amidst a barrage of OTPs, EMI […]

Introduction When it comes to India’s financial mechanisms, one instrument takes center stage for its crucial role in managing short-term cash dynamics—the Cash Management Bill (CMB). Exclusively issued by the central government, the CMB plays a pivotal role in addressing temporary cash flow imbalances. This exploration delves into the subtleties of cash management bills, unveiling […]

Disclaimer: Leasing is a widely accepted financial strategy for acquiring and utilizing assets without the necessity for significant upfront capital investments. Equipment leasing, a formalized business practice, has ancient roots as a concept. This article aims to explore the ‘securitization’ of the aforementioned leasing into a structured product and compare it with bonds, as both […]

Do you understand the distinction between a retail investor and a High-Net worth Investor (HNI)? I’m not referring to the SEBI definition, but rather the difference in their investing mindset. An HNI doesn’t pursue high returns; instead, they remain unfazed by market volatility, stay composed, diversify their investments adeptly and think long-term, unlike our average […]

In this final clash, the war rages on, Bonds stand strong, their resilience drawn. Though yields may lure with their tempting might, Only bonds endure, the victors of this fight. Having triumphed over the new-age alternative financial products, bonds find themselves encircled by their age-old adversaries: traditional fixed income instruments like Public Provident Fund (PPF), […]

“Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas.” – Paul Samuelson Why do people choose to invest? Often, the main incentives driving investment choices are the appeal of quick and substantial returns or herd mentality. Ideally, investing should align with […]

Introduction If a retail investor looking for fixed-income investment options in India does a simple Google search of peer 2 peer lending vs bonds, they may find themselves inundated with misleading online information. This information tends to favor P2P lending and often portrays bonds negatively, creating a sense of apprehension. This skewed perspective fails to […]

Introduction If you are planning a vacation one year from now and have already calculated the total cost, but you need to accumulate a specific sum within the next year, you may consider investing in a risk-free instrument to ensure capital protection. Bank Fixed Deposits (FDs) are not suitable due to potential withdrawal charges in […]

When the global economies were finally recovering from the pandemic, the repercussions that followed was a burden of a recessionary environment characterized by increased unemployment rates, soaring commodity and oil prices, banking sector strains and escalating geopolitical tensions. Amidst all of this, India has emerged as a genuine underdog. As major global banking institutions faced […]