Savings rate – Impact on you!
Recently, RBI has also deregulated the savings rate along with increasing the policy rates by 25 basis points, the 13th time in the last 18 months.
Category Archives: Debt Instruments
Not All Debt Funds Provide High Liquidity!
There are various types of debt funds that are available in the market with varying maturity periods. Depending upon the investor’s requirements the funds can be chosen. The short-term debt funds carry high liquidity whereas funds whose maturity period extends for up to 10-15 years or even beyond, have low levels of liquidity. Debt assets… Read More »
How to set up a workable home budget!
One of the key aspects of creating a successful financial plan for a year is to establish a workable home budget that deals with your expenses, manages your debt and also builds your savings at the same time! A home budget can be defined as a plan that pre-determines your spending goals, spread over a… Read More »
Where to invest for a short term?
Liquid funds are a very popular choice if the investment is for a small duration. These funds invest in very short-term securities such as commercial papers, short-term treasury papers and bank deposits. They are not affected by interest rates fluctuations. So, if Mr A holds on till the maturity of the product, then he would… Read More »
Retired? Invest here for higher returns
As a senior citizen, while safety of capital is of paramount importance, don’t forget to take into account the tax factor. Taxes can actually erode the value of your returns. Also another black hole to watch out for is inflation. Many seniors opt for the security of assured returns and end up finding that the… Read More »