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Debt mutual funds are not easy products to understand. The moment a bond can be traded in the middle of a tenure, the risk associated with it are often not obvious.  Regular readers would be aware that I have discussed this at length. To compound matters further, it is very hard to spot mutual fund that is style pure.

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Anirban Ghosh had posted his analysis of a debt mutual fund at Facebook Group, Asan Ideas for Wealth (AIFW). When I requested him to write an account of how he selected his first debt mutual fund, he readily agreed.  Anirban's data crunching has unearthed an interesting mutual fund with a curious strategy and is the main reason for my request.

Before we begin, I would like to point out that,

1: the debt mutual funds mentioned in the post should not be treated as recommendations. read more

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Franklin India Savings Plus Fund can be classified as an ultra-short term debt mutual fund that invests predominantly in floating rate bonds (to minimise interest rate sensitivity) of reasonably good credit quality, making it a reasonable candidate for first-time debt mutual fund investors to consider. In this post, I look at the main characteristics of the fund. This post is not a recommendation to invest in this fund. It is a recommendation to learn more about this fund. read more

Many Investors, especially senior citizens, who purchased long term gilts funds (or their cousins, dynamic bond funds) after seeing recent double-digit returns, are puzzled and even worried about why these funds are falling since the last three months. In this post, I discuss the reasons behind this and how to make sense of debt fund NAV movements.

Before we begin, my book with PV Subramanyam, You Can Be Rich Too is available at 50 discount (Rs. 198) for short periods of time this month as it was among the top 25 bestsellers in the last 3 months. Grab it now! read more

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Dear Reader, This is a pdf collection of 26 posts on debt mutual funds written over the past 4 years. I enjoyed learning and writing about every bit of this fascinating space in finance – tradable fixed income. Debt mutual funds are not exactly easy to understand, but I believe they are not hard to understand at least the basics and use them intelligently to reduce the tax burden, especially after retirement. So even if you do not need a debt fund one, it is highly likely that you would need one after retirement. So now would be a good time to start understanding them. read more