PrimeInvestor - Articles and Reports

Employees' Pension Scheme (EPS) and the SC verdict
General
Aarati Krishnan

Employees’ Pension Scheme and the SC verdict – Your questions answered

A recent Supreme Court ruling about the Employeesโ€™ Pension Scheme has put personal finance writers in a tizzy. Most have tried to decipher the complicated ruling. Some have tried to tell eligible employees what they can still do to board the EPS bus if theyโ€™ve missed it so far. But after studying the ruling and its implications, we felt you neednโ€™t worry over-much about the EPS if you have missed the bus. There are many other good pension options.ย ย 

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Are SDLs safe? And other questions
Bonds & Deposits
Aarati Krishnan

Are SDLs safe? And other questions

Whenever we recommend SDLs, our readers raise many queries like “Are SDLs safe?” and more about the difficulty of choosing them. In this FAQ, we try and address all of your niggling doubts about SDLs.

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NHIT NCD - Five reasons to skip the NCD
Bonds & Deposits
Aarati Krishnan

Should you invest in NHIT’s NCD offer?

With interest rates on fixed income options hitting rock-bottom in recent years, debt investors have been starved for reasonable yields. This is perhaps why the issue of Non-Convertible Debentures (NCDs) from National Highways Infra Trust (NHIT NCD), offering a yield which is a tad over 8%, is seeing such enthusiastic reception from investors, bond platforms and some advisors too.ย 

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short term money
Bonds & Deposits
Aarati Krishnan

Have short term money to park? Hereโ€™s a cast iron option

Lately, it is not just Indiaโ€™s stock market that has been hopping all over the place like an impatient child. The bond market has been doing it too! Indiaโ€™s 10-year government bond yield, which sets the benchmark for all other debt instruments, climbed vertically from 5.8% in July 2020 to 7.61% in June 2022. But after that, it has been unable to make up its mind on whether to climb higher or pause for breath.ย 

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Is it time to invest in US equities?
Markets
Aarati Krishnan

Is it time to invest in US equities?

US stock indices have started a fresh bout of declines. This has led smart investors to ask if they should be bargain-hunting US equities at this juncture. The answer depends on where the US economy and earnings are heading.

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Stock investing and the boiling frog syndrome
Stocks
Aarati Krishnan

Stock investing and the boiling frog syndrome

If you are interested in psychology or behavioural economics, youโ€™d surely have come across the boiling frog syndrome. The theory goes that if you try to dunk a frog in a pot of boiling water, it will immediately jump out. But if you place it in cool water and slowly heat up the pot, the frog will ignore the small changes in temperature and simply boil to death.ย 

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Prime Review: TN Power Finance and Infrastructure Fixed Deposit
Bonds & Deposits
Aarati Krishnan

Prime Review: TN Power Finance and Infrastructure Fixed Deposit

When interest rates on bank deposits hit rock-bottom in the last few years, the fixed deposit (FD) programme from Tamil Nadu Power Finance and Infrastructure Corporation (TNPFIC) turned quite a hit. This NBFC owned by the Tamil Nadu Government offers high interest rates of 7-8% on FDs and has a friendly online interface, making it very popular with fixed income seekers and seniors. We have received a number of queries from many of you, about this deposit.ย ย 

Premium article available only to subscribers.

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6 ways to identify deposit scams
Bonds & Deposits
Aarati Krishnan

6 ways to identify deposit scams

Some folks still have a fatal fascination for โ€˜better-than-FDโ€™ returns advertised by unregulated entities – whether it is cryptocurrency exchanges offering interest rates of 12-14% on staking oneโ€™s crypto holdings, or peer-to-peer lending platforms promising you a 14% return from becoming part of a lending club. Informal entities ranging from unregistered chit funds run to the street corner jeweller tempt you to โ€˜depositโ€™ money with them promising high returns.ย 

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Whatโ€™s next for HDFC MF investors
Commentary
Aarati Krishnan

Whatโ€™s next for HDFC MF investors

Chief Investment Officers (CIOs) or star fund managers bidding goodbye to an AMC, or even the MF industry, has become a commonplace occurrence in India. The recent bull market has seen many well-known fund managers, from Kenneth Andrade of IDFC to Sunil Singhania of Nippon quit their MFs to seek greener pastures in managing PMS schemes or AIFs.ย 

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