Aarati Krishnan, Author at PrimeInvestor

Insurance

How much life insurance do you need?

One of the very first questions you’ll be faced with after deciding to buy a term insurance plan, is – What’s the size of the term cover (what insurers call the sum assured) you’ll need?

Most folks don’t put much thought into this and go for the nice round number suggested by their insurance agent, which is usually Rs 1 crore. You can online calculators, but they can throw up widely diverging numbers.

Aarati Krishnan May 21, 2020 26 Comments

Bonds & Deposits

Prime Review: Should seniors invest in the SBI WeCare deposit?

With interest rates on debt options falling steeply in the past year, retirees, pensioners and those seeking to supplement their income with fixed deposit schemes have seen a sharp dip in their cash flows. In this context, it is good to see India’s largest bank – State Bank of India (SBI) – coming up with a special deposit scheme for senior citizens while revising its fixed deposit rates recently.

Aarati Krishnan May 12, 2020 4 Comments

Mutual funds & ETFs

Prime Views: Five things they don’t tell you about credit risk funds

After the Franklin Templeton debacle, CEOs of asset management companies have been out in big numbers across media to reassure investors that this was an isolated case and that there’s no crisis for the debt fund industry itself.

Aarati Krishnan May 5, 2020 7 Comments

Bonds & Deposits

Prime Views: Are your deposit and bond investments at risk next?

With returns failing to match risks and RBI relief measures complicating life for lenders, the next six months promise to be a minefield for debt investors. Here’s how you can navigate this

Aarati Krishnan April 29, 2020 18 Comments

Mutual funds & ETFs

Should you invest in the Motilal Oswal S&P 500 Index Fund?

Warren Buffett never fails to recommend it and 90% of US fund managers struggle to beat it. If you’re wondering what this miracle investment is, it’s the US S&P 500 index. Indian investors will soon have the opportunity to buy this US benchmark locally with Motilal Oswal AMC launching an open-end index fund replicating it.

Aarati Krishnan April 15, 2020 62 Comments

Bonds & Deposits

Prime Recommendation: Lock into these rates before they are cut

Given rate adjustments by other banks and NBFCs recently, a significant rate cut may soon be in the offing in this deposit as well. Investors and seniors looking for deposit options should lock into this FD before rates are revised.

Aarati Krishnan April 10, 2020 9 Comments

Bonds & Deposits

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.

Premium article available only to subscribers.

Aarati Krishnan April 3, 2020 No Comments

General

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.

Aarati Krishnan March 30, 2020 No Comments

General

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.

Aarati Krishnan March 25, 2020 3 Comments

Bonds & Deposits

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.

Aarati Krishnan March 18, 2020 10 Comments

Bonds & Deposits

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.

Aarati Krishnan March 9, 2020 25 Comments

Markets

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.

Aarati Krishnan March 4, 2020 5 Comments

How much life insurance do you need?

Prime Review: Should seniors invest in the SBI WeCare deposit?

Prime Views: Five things they don’t tell you about credit risk funds

Prime Views: Are your deposit and bond investments at risk next?

Should you invest in the Motilal Oswal S&P 500 Index Fund?

Prime Recommendation: Lock into these rates before they are cut

Quarterly review: What’s changing in Prime Deposits

RBI package – What’s in it for you

When to have liquid assets

Five high-rate debt options to lock into

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

Investing in turbulent times

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