PrimeInvestor - Articles and Reports

prime deposits
Bonds & Deposits
Aarati Krishnan

Quarterly review: What’s changing in Prime Deposits

These are extraordinary times for fixed income investors. Interest rates, after recent rate cuts by the MPC, are ruling at lows not seen in the last two decades. The repo rate of 4.4% today is even below levels seen during the global financial crisis. Keeping all this in mind, we have made significant changes to our curated list of deposits. Here are the three key sets of changes to the list and why we made them.

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RBI Package
General
Aarati Krishnan

RBI package – What’s in it for you

Repo and reverse repo rate cut, asymmetric LAF corridor, Long Term Repo Operations, moratorium. With words like these used freely in RBI’s package announced on Friday, ordinary borrowers and investors may be wondering if they have anything to cheer about. If you’ve been puzzled too, here are the measures explained in plain English.

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emergency fund
General
Aarati Krishnan

When to have liquid assets

The COVID-19 outbreak in India is wreaking unforeseen damage on household finances by leading to runaway expenses, interrupted incomes and a heightened risk of job losses. This has served to underline that an emergency or contingency fund should be the starting point of any financial planning exercise. But how large should this contingency fund be and where should it be invested? This crisis offers a few lessons.

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debt options
Bonds & Deposits
Aarati Krishnan

Five high-rate debt options to lock into

Desperate times call for desperate measures. Therefore, Indian fixed income investors may need to brace for a further plunge in interest rates in the coming months. • With rates cuts likely, lock into the options mentioned here, before March 31, 2020.

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AT1 bonds
Bonds & Deposits
Aarati Krishnan

What they didn’t tell you about perpetual bonds (AT1 bonds)

RBI’s rescue package for Yes Bank, which will see SBI infusing capital into the bank to pick up 49 % of its equity, offers a breather to its depositors and shareholders. But one class of stakeholders who are set to take a comprehensive haircut valued at Rs 10,800 crore despite the bailout, are the holders of Additional Tier 1 (AT1) bonds in the bank.

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Turbulent times
Markets
Aarati Krishnan

Investing in turbulent times

Just as the Indian stock market was taking a breather from recent worries about the slowdown, two new cases of Coronavirus infections have sent it into renewed paroxysms of volatility. Here’s attempt to answer top-of-mind questions from investors on how they should deal with this phase.

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IPO
Stocks
Aarati Krishnan

Should you invest in IPOs?

IPOs evoke such interest because of the mistaken belief that IPO stocks offer a unique ticket to riches that thousands of ‘older’ stocks listed in the market don’t. But IPOs have a far worse track record than secondary market investments in long-term wealth creation.

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tax planning
Taxes
Aarati Krishnan

New tax regime – is it goodbye for section 80C investments?

One of the intriguing things about Indian Union Budget presentations is that tweaks to the tax laws that get just a half-a-minute mention in the budget speech often pack a big punch for taxpayers. This year, the move that fits this description is the Centre’s decision to offer a new friendlier tax regime .

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A good budget for Mr Bond

While the Union Budget 2020 seems to have sorely disappointed stock markets which had built up hopes for everything from a Long-Term Capital Gains tax exemption to a magic pill for the economy, it seems to have given bond markets some reasons to cheer.

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