Interest rate
Mutual funds & ETFs
Aarati Krishnan

Prime outlook for debt market 2020: No more easy pickings

The Indian debt market threw up multiple money-making opportunities for investors in 2019. 2020 though, is likely to prove far more challenging. Interest rates are likely to halt their steady slide over the last five years to display more volatility this year. The compensation for taking on credit risks is likely to shrink

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Debt weighing on people's minds
Mutual funds & ETFs
Vidya Bala

Vodafone’s impact on your debt funds – What now?

For those of you who did not follow us 2 months ago – we not only gave a timely caution but also gave exit strategies based on the exposure that you had to funds that held the Vodafone paper. Now, in the current scenario, if you are still holding the funds that had exposure, what should your strategy be?

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Gold provided sheltr
Markets
Aarati Krishnan

2019: Fortune favours the fearful

Gold was a topper, helped by global pessimism In debt, AAA rated/PSU funds delivered while credit funds were battered In equities, large-cap and multi-cap funds

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2019 - year in debt funds
Mutual funds & ETFs
Vidya Bala

How did debt funds perform in 2019?

After a dramatic comeback, gilt and dynamic bond funds swiftly lost the peak return they made post July 2019. Credit risk funds drew a blank

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Nifty PE ratio 
Markets
Aarati Krishnan

What they don’t tell you about the Nifty PE

The market is at a new high. Should I invest a lumpsum in equities today? To answer this question, savvy investors look at the Nifty50’s PE ratio published by the exchange. But before making such drastic decisions based on this lone indicator, it is important to dig deeper into the Nifty50’s published PE.

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Risk vs Rewards in Bonds
Bonds & Deposits
Aarati Krishnan

Should you buy L&T Finance NCDs? Which option?

L&T Finance, a non-deposit-taking NBFC, is seeking to raise Rs 1,500 crore from a public issue of Non-Convertible Debentures that is open from December 16 to December 30, 2019. Should you buy? If so, which option can you consider?

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Reality vs expectations 
Mutual funds & ETFs
Vidya Bala

What returns should you expect from your debt funds?

The last two years of turmoil in the debt fund space may have left you wondering what returns to expect from debt funds. Will debt funds beat FD? Or would their returns hover somewhere around their yield (yield to maturity) as promised by some? Are double-digit returns possible in debt? Use this analysis to set more realistic expectations from debt funds instead of a vague 8% or 9% return you may have in mind.

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Be safe in retirement
General
Aarati Krishnan

Where to park your VRS proceeds

The over 92,000 staffers who have opted for the Voluntary Retirement Scheme (VRS) from BSNL and MTNL are now faced with the challenging task of finding a safe parking ground for their money while making sure it earns reasonable income in a low interest rate environment. They need to factor in liquidity and tax efficiency too. If you’re a VRS optee, don’t worry. Here’s a list of attractive investment options, ranked in the order of their safety.

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