Sangeeta
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About Sangeeta
AltiFi is Northern Arc’s new age wealth management platform that helps HNIs, mass affluent and retail investors access fixed income instruments like bonds. It provides investors an opportunity to invest in high-quality high-return products, that were hitherto largely only available to institutional investors. These securities help investors diversify their portfolio, earn better returns on their investment and reduce exposure to market volatility.
Bond; a not so secret agent
You may wonder - what’s in it for the investor? Well, in return for the investment made by the investor, the issuer shall then add an interest amount over the principal amount invested. These interest payments are usually fixed in nature and follow a predetermined schedule. Thus, bonds are also commonly known as fixed income instruments. So why are bonds still alien to us? It’s mainly because bond as investment instrument was only accessible to HNIs (High Net-worth Individuals) due to its high ticket size (i.e. the minimum investment amount was very high). However, in recent years, bonds have been made accessible to the masses by facilitating investment through small ticket sizes (even as low as a hundred rupees).
Spice Up Your Portfolio | AltiFi – A Bond Investment Platform
Feeling Fixed with Fixed Deposits? Spice Up Your Portfolio with Corporate Bonds An investment portfolio is like a recipe with investment avenues like fixed deposits, stocks, bonds, etc., its ingredients. No one would want to have a bland meal unless they’ve been advised to. Most of us would love to spice up our meal with something that makes it more delightful! Similarly, many people who’ve invested in numerous reliable investment avenues like fixed deposits look to flavour up their portfolio with something more exciting (albeit a little riskier) and mint some more money. Can bonds, particularly corporate, be that secret tangy sauce? Let’s find it out!
The Gift of Stability: Why Bonds Are a Thoughtful Investment for Your Future
The Gift of Stability: Why Bonds Make a Thoughtful Present? Amidst the age of uncertainties, the best gift you can present to someone is a financially stable future! But can you and us do that? We cannot. Financial stability isn’t something you order online and unwrap it in your home. Rather, you build it with a vision, years of strategic investments and maintaining consistency. Now, while talking about investment, most of us think about stocks. They are an option undoubtedly. However, if you are looking to invest in the long run, bonds can make a potentially greater difference. Let’s look at some characteristics of bonds to know how they can prove a stable investment.
Factors to consider while building a healthy bond portfolio
Against this backdrop, it is natural for investors to look for safety and stability of their portfolio in case adverse events impact the riskier asset classes. A good way to limit the downside amid volatility is to increase one’s overall allocation to bonds as In the realm of investment strategies, building a bond portfolio stands as a pillar of stability amid the ebb and flow of financial markets. A bond portfolio comprises a collection of fixed income securities, such as government bonds, corporate bonds, and other debt instruments, designed to provide steady returns and mitigate risk. As investors navigate the dynamic landscape of asset classes, including stocks, real estate, and commodities, the allure of bonds becomes increasingly apparent. However, crafting a robust bond portfolio requires careful consideration of various factors to align with individual financial goals and risk appetites.
High FD Interest Rates Explained
Fixed Deposit Rates on the Rise: Should You Lock in Now? If you’ve been looking to invest in fixed deposits but are reluctant to do so due to the lower interest returns, then here’s some news for you! Many banks are offering high interest rates of 7-9 per cent per annum on FDs for various tenures. However, the rates are expected to drop in the second half of 2024! So, it seems the right time to lock-in some amount and safeguard its interest. But is it really so?
Beat Inflation in India (2024): Go Beyond Fixed Deposits with Strategic Bonds
Feeling Anxious About Inflation? Tame the Heat with the Right Bond Strategy Inflation is something that worries everyone. Believe it or not, even the richest of all dread the rising inflation rates! So, feeling anxious about it is usual. In India, inflation has long been a hot political and economic issue. The government has been able to control it significantly in recent years. However, it would be unrealistic to expect it to remain constant throughout and at the same time, enjoy historic economic growth. India’s current inflation rate stands at 5.69 per cent (as of December 2023), which marks a 1.6 per cent decline compared to 2022, when it was 6.7 per cent. Although that’s great news for now, in the long run, you should be prepared to tackle the rising inflation mercury with the right investment strategy. Are bond investments one? Let’s find it out.
Invest in Government Bonds in India: Safe, Accessible & Low Risk (Even for Beginners)
In the 1990s, the Indian government grew serious about the prospect of raising debt capital through government securities - also referred to as bonds or gilts. Before the aforementioned period, while such borrowings used to take form, they remained dominated by large investors like banks and other established companies. However, in what reflected a marked change in the government’s approach, the post-liberalisation era saw these bonds being increasingly issued to individual and non-institutional investors. Fast forward to FY 2023, the total outstanding value of government bonds stands at 161 lakh crores. To put things into perspective, the said value has risen by 77% since FY 2018. The dominance and popular acceptance of government bonds is further exhibited by the fact that it occupies 78% of the market share pertaining to the bond market.
Green Bonds in India: Sustainable Investments with Room to Grow
In recent years, the conversation around global warming and climate change has taken centre stage, and for crucial reasons. In their interaction with this conversation, businesses and governments have sought to address the shortcomings of the prevalent system through a shift to environment-friendly solutions to the needs of the environment and the populations they cater to. And thus, we have observed a marked shift towards sustainable options like electric vehicles, paperless businesses, infrastructural projects pertaining to solar use and the like. While the jury is still out on the actual impact of these changes, it is certain that they have significantly impacted policy designs curated by governments and corporations alike. Importantly, since a number of these initiatives demand large scale alterations in the production process, governments and corporations have sought to facilitate the influx of funds required for the same through a number of financial instruments - like green bond
Debt Funds vs Fixed Deposits: Invest in Bonds for Higher Returns After Tax Changes
Investing in bonds is more than just looking at the tax implications The fixed income investing landscape witnessed an overhaul nearly a year ago, especially for those invested in debt funds. The government changed the tax rules to make capital gains booked on units of debt schemes acquired on or after April 1, 2023 taxable at the slab rate. Along with this, debt schemes also lost the indexation benefit that allowed factoring in inflation to arrive at the tax payable, thereby softening the tax impact.
Don't Ignore RBI Rules! How They Impact Bond Market Returns in India
While making investment decisions, with a view to optimise total gains, it is common among seasoned investors to prioritise analyses pertaining to the corporations or firms they're planning to bank upon. Indeed, this practice is vital and should be encouraged, but true financial wisdom lies in not hyper focusing on this aspect alone. While it is important to track these particulars, it is equally crucial to keep a tab on policy changes and regulations that inform the said changes to a reasonable extent. The importance of doing so is further underlined when the products in question are market-linked. In India, major policy changes affiliated with macro-economic stability are facilitated by the Reserve Bank of India (RBI).
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