The bounty has arrived, which the market was waiting for. Taking the popularly tracked parameter of 10-year maturity government security, it had touched 8.2 percent in September 2018 as there…
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Opinion | Don’t Write Off Rating Agencies For One Failure
There are certain thankless jobs, like keeping wickets in cricket or keeping the goal in football. Unless you perform exceptionally, taking a regular catch or saving a routine attempt at…
Home loan interest rates: What external benchmark means for your floating rate loan
Joydeep Sen Let us see how the interest rate on your loan works. In a fixed rate loan, let’s say a fixed rate home loan, the rate of interest is fixed for…
Fixed Income: Should You Hold On To Debt Funds With Exposure to IL&FS?
By Joydeep Sen By now it is well known that multiple mutual funds with exposure to IL&FS or its group entities have fully written off their exposure. Consequently, the hit,…
2019 Looks Good For Bond Fund Investors
Joydeep Sen When it comes to investments, we tend to predict market movements. For bond investments, we take a view on interest rate movements. To be noted, in bonds or…
What Are Some Of The Challenges In Managing A Debt Portfolio?
There’s over-reliance on rating agencies India has one of the larger and more liquid bond markets in Asia. But compared to the size of outstanding bonds, trading is limited. Liquidity…
Opinion | Why RBI Should Change Its Repo Rate Stance
Apart from the signal rate i.e. repo rate of 6.5%, there is a policy rate stance of the Monetary Policy Committee (MPC), which gives the future guidance. An easing stance, called ‘dovish’…
Corporate Bonds: You Can Pick Up Bonds From Primary Market
By Joydeep Sen Due to certain events over the last couple of months, yield levels, i.e., interest rates on corporate bonds have moved up. It started with the default of…
Investing In Government Bonds: Why and How
Joydeep Sen For investment decisions, the guiding principle should be the SLR of investments: safety, liquidity and return. In terms of safety, government securities (G-Secs) are the safest since they…
Opinion | Loans Against Shares Not As Bad As Perceived
Debt mutual funds have various kinds of instruments in their portfolios. These are mostly bonds but there may be certain variants like commercial papers, certificates of deposit, government securities,…
RBI Policy: Interest Rate Hikes Ruled Out, More Transparency For Borrowers
Joydeep Sen In the run-up to today’s review by the Monetary Policy Committee (MPC) of the RBI, the question in everybody’s mind was that “inflation is benign, so they should…
“Mutual Fund Commission Should Be Adequate For A Distributor To Survive”
SynopsisSebi has been consistently reducing the recurring expenses (TER) that can be charged by mutual funds, thus making it more investor friendly. Expenses charged in a financial product by the…