Yogesh

Assessing Risk in NCD Investments: Understanding Credit Ratings and Due Diligence

Finance & Investment /

Investing in Non-Convertible Debentures (NCDs) can be an attractive option for those seeking steady returns and relatively lower risk compared to equity investments. However, like all financial instruments, NCDs come with their own set of risks. To navigate these effectively, investors must grasp the concepts of credit ratings and due diligence. This blog aims to […]

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Diversify Beyond FD’s: Alternative High-Return Fixed Income Investments 

Finance & Investment /

As they offer consistent yields and capital protection, fixed-income investments are an essential part of every diversified portfolio. While Fixed deposits are common examples of traditional fixed-income instruments, there are other options that can provide better yields at comparatively lower risk. We’ll look at a few other high-return fixed-income options in this blog that can

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The Ins and Outs of Tax Credits: How to Take Advantage of Tax Credits for Maximum Savings in India

Finance & Investment /

In India, tax credits can help you save as much money as possible while lowering your tax burden. Gaining the maximum benefit from your income can be ensured by being aware of the many tax credits that are available and knowing how to use them. Here, we’ll look at the many kinds of tax credits,

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Understanding High-Yield Corporate Bonds: Exploring the Basics

Finance & Investment /

What are High-yield Corporate Bonds? High-yielding corporate bonds, sometimes referred to as “junk bonds,” are financial securities issued by companies with lower credit ratings. These bonds have higher interest rates to counteract the higher default risk. The essentials are summarized as follows: Key Characteristics of High-Yield Corporate Bonds 1. Credit Rating: Investment grade bonds are

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NCDs Demystified: How They Work and Why Companies Issue Them

Finance & Investment /

How Do Non-Convertible Debentures Work? Non-Convertible Debentures (NCDs) are long-term debt instruments issued by companies to raise funds without offering the option to convert them into equity shares. Here’s how they work: Issuance and Purpose Features Investment Process Benefits Considerations Companies issue Non-Convertible Debentures (NCDs) for several reasons: These factors make NCDs a popular choice

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Maximizing Tax Savings with Charitable Giving: How Donations Can Lower Your Tax Bill in India

Finance & Investment /

What is Charity? Giving to charity is a kind deed that not only improves society but also offers Indian donors substantial tax advantages. Knowing how to take full advantage of these tax breaks might significantly impact your financial planning. This is a thorough explanation explaining how giving can reduce your Indian tax liability. Understanding Section

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The Secure Path to Generate Wealth: Methods To Generate Wealth In India

Finance & Investment /

What exactly does WEALTH mean? The abundance of valuable financial assets or physical possessions can be converted into a form that can be used for transactions. Net worth Defined as the current value of one’s assets less liabilities, excluding principal in trust accounts.(Wealth = Assets-Liabilities) Now that We Have Understood What Wealth is, Let’s Understand

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Comparison of Corporate Bonds With Mutual Funds – Finzace

Finance & Investment /

Investing can be daunting, as there are so many options to choose from. Corporate bonds and mutual funds are two of the most popular investment opportunities today. While both have advantages and drawbacks, understanding their critical differences is essential to making an informed investment decision. This article will discuss corporate bonds vs. mutual funds and

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SEBI Makes Bond Investment More Accessible: A Boon for Retail Investors

Finance & Investment /

Why the Change? The Securities and Exchange Board of India (SEBI) has recently made a significant move to democratize the bond market by slashing the minimum investment amount for corporate bonds from ₹1 lakh to ₹10,000. This transformation addresses two critical issues that previously hindered retail investor participation: 1. Availability Barrier: The majority of bonds

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Preserving Capital, Generating Income: Low-Risk Investment Strategies for Retirement Planning in India

Fixed Income Investments /

Preserving your hard-earned money and ensuring a consistent flow of income become key concerns as you get closer to retirement. While development was the main focus of the accumulation phase of your career, the decumulation period in retirement necessitates a more cautious strategy to make sure your funds last during your golden years. Here are

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