Retirement planning is an often overlooked aspect of wealth management, with a significant number of Indians failing to adequately prepare for their post-work years. The India Retirement Index Study (IRIS), conducted by Kantar on behalf of Max Life Insurance Company, reveals that 37% of individuals have not made any investments for their retirement thus far. […]

Capital markets are the backbone of economic growth, acting as bridges between those who need funds and those looking to invest. Whether you’re a business expanding operations, a government funding infrastructure projects, or an individual planning for retirement, these markets keep money flowing where it’s needed most. Let’s break down how they operate, their different […]

If you’ve ever tried to park money “safely” for a few months or a year, chances are someone has suggested an FD. And if you’ve spent a little more time reading about money markets, you may have stumbled upon something called a Certificate of Deposit (CD). At first glance, both look similar: you lock money […]

CPI Demystified: More Than Just a Number Introduction: Imagine CPI as the economy’s thermometer. Just as a fever signals health issues, rising CPI indicates inflation heating up your daily expenses. In India, the Consumer Price Index tracks price changes for essentials like food, housing, transport, and healthcare. It’s not just a statistic—it’s a pulse check […]

Introduction A convertible bond is already an interesting product because it has two sides. It works like a bond, but it also gives exposure to the company’s stock. Convertible Bond Arbitrage is a strategy built around this mix. It tries to benefit from the price difference between the convertible bond and the company’s shares. Key […]

Ramesh is a 42-year-old salaried professional in Pune. He’s been renewing his FD every year for the last decade — same bank, same routine, same 6.5% — while quietly watching inflation eat into his real returns. A colleague mentions corporate bonds. Ramesh has heard the phrase before but never quite understood it. Are they risky? […]

Most Indian investors reach the same crossroads at some point: “Should I put my money in a fixed deposit, or invest in bonds?” With living costs rising and in a downward interest rate cycle, the corporate bonds vs fd debate has become more relevant than ever. Fixed deposits feel familiar because the payout is predictable. […]

A bank FD is the first stop for many Indian households, but a corporate FD (also called a company FD or corporate fixed deposit)—and investors often ask, what is corporate fixed deposit—is another option that often offers a higher stated interest rate. In a corporate FD, the money is placed with a company, not a […]

Understanding Covered Bonds Definition, Benefits & Key Examples Some bonds have only one repayment support: the issuer. Covered bonds add another layer. They are backed by the issuer and also by a pool of assets. So, while checking such bonds, investors do not look only at the company. They also look at what sits behind […]