As interest rates change, there is an impact on the yield too. Here’s a comparison of how debt fund yields have changed over the past year. The yield at the lower end of the duration (Liquid, Ultra Short, Low Duration) is quite attractive now. Overall, there might still be some way up for the debt […]
If you have come across an FMP sales pitch, it almost always is that “it is as safe as a Bank FD”, yet, “it will give higher returns than an FD.” An easy lure for most investors since ‘safe returns’ is a primary criteria. You don’t like that FMP word any more. Do you? In […]
The year 2018 was one year when investors had a rude realisation that debt funds are not always safe and linear as they are made out to be. The IL&FS default, NBFC issues, oil prices, inflation contributed to a fairly volatile scenario for bonds. Investors now wonder, what is in store for 2019? Will things […]
I am sure you have read the newspapers about how some debt funds have lost value courtesy their holdings of various group companies of IL&FS. As a result you too see a loss in the current value of your investment. You were not prepared for it. To quickly summarise, a rating agency questioned the financial […]
I received an email from Franklin Templeton India about their debt fund schemes – a reckoner of sorts. Frankly, I was expecting information on their scheme rationalisation. Looks like they need more time. Anyways, here’s how I see the schemes change after the AMC implements SEBI’s circular for scheme rationalisation. So, this is what I did.
Last week, small savings rates payable for Jan to Mar 2018 were cut by 0.2%. As an investor, you feel unnerved and are thinking if there is something else that needs to be done to get the most of our of your investments. Should you invest in bonds / debt funds? If yes, where? What […]