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Category: Fixed Income

This is the archive of all our articles related to fixed income investment options

7.16% interest rate GOI 2050 bonds on sale 13-14th Oct 2020

Published on October 13, 2020 / By M. Pattabiraman Twitter: @pattufreefincal

Govt of India (GOI) has announced the sale (Re-issue) of 7.16% Government bonds maturing in 2050. Approximately Rs. 400 crores of these can be bid by retail investors via the NSEgoBid platform on 13th and 14th Oct 2020 (10 am to 5 pm). The auction will be conducted by the RBI on 16th Oct. Details…

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GOI 40 year bonds with 6.8% interest rate on sale 6-7th Oct 2020

Published on October 6, 2020 / By M. Pattabiraman Twitter: @pattufreefincal

Govt of India (GOI) has announced the sale (Re-issue) of 6.80% Government bonds maturing in 2060. Retail investors can participate in this sale via the NSEgoBid platform on 6th and 7th Oct 2020 (10 am to 5 pm). The auction will be conducted by the RBI on 9th Oct. Details of the 6.8% GOI Bond:Ā …

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Can I get a pension using GOI bonds instead of LIC pension?

Published on September 28, 2020 / By M. Pattabiraman Twitter: @pattufreefincal

Pension is an extremely important part of a personal retirement portfolio. Recent developments in the bond market have made it possible for a retail investor to buy long-term Government of India (GOI) bonds (different from RBI floating rate bond). It is time to ask if a GOI bond can be used for a pension and…

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Should I close my PPF account after maturity or extend it?

Published on September 22, 2020 / By M. Pattabiraman Twitter: @pattufreefincal

I received an unusual question from a reader that said, “my ppf account is nearing maturity. should I close it and invest the amount into equity to correct my asset allocation close to where it should be? Or should I extend the ppf for another five years?”. Unusual because most investors would never think of…

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PPF or ELSS Mutual Funds: Which would give me more returns?

Published on September 8, 2020 / By M. Pattabiraman Twitter: @pattufreefincal

When a young earner enters the taxable income slab for the first time, their immediate concern is to save tax. A common question that then arises is, “should I invest in PPF or ELSS mutual funds for saving tax? Which would give me better returns?” A discussion on when to consider what and how to…

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RBI Floating Rate Savings Bonds 2020: Should you buy?

Published on June 27, 2020 / By M. Pattabiraman Twitter: @pattufreefincal

The RBI 7.75% bonds (2018) have been replaced by RBI Floating Rate Savings Bonds 2020 according to a Finance Ministry announcement. We look at its features and discuss who should buy it and when.

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Ten lesser-known facts about PPF accounts!

Published on June 17, 2020 / By M. Pattabiraman Twitter: @pattufreefincal / 6 Comments

Here are ten lesser-known facts about PPF accounts concerning maturity, premature closure and nomination.

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Bank Perpetual Bonds: What you need to know before buying

Published on June 9, 2020 / By M. Pattabiraman Twitter: @pattufreefincal / 3 Comments

Several banks offer high-yielding perpetual bonds. In this article, we discuss the basics of a perpetual bond and what investors need to know before buying them.

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RBI 7.75% Bonds no longer available: Where to invest now?

Published on May 27, 2020 / By M. Pattabiraman Twitter: @pattufreefincal / 1 Comment

The RBI has announced the cessation of its 7.75 per centĀ Savings (Taxable) Bonds, 2018 with effect from the end of business day, May 28th 2020.Ā  Where should one invest now?

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Tax-free bond vs RBI 7.75% bonds: Which is better?

Published on May 27, 2020 / By M. Pattabiraman Twitter: @pattufreefincal / 4 Comments

A comparison between tax-free bonds that are available in the secondary market and RBI 7.75% bonds that can be obtained in the primary market. Which is better and how demand for tax-free bonds have quickly made them less attractive.

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PM Vaya Vandana Yojana (2020) is now open: Key Features

Published on May 26, 2020 / By M. Pattabiraman Twitter: @pattufreefincal / 9 Comments

These are the key features of the Pradhan Mantri Vaya Vandana Yojana (Modified- 2020) Scheme that launches today, May 26th 2020.

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PPF suffers fourth biggest Interest rate fall in its history!

Published on April 1, 2020 / By M. Pattabiraman Twitter: @pattufreefincal / 3 Comments

The 0.8% drop in PPF interest rate for April-June 2020 is the fourth biggest drop in its history! A study of historical PPF rates.

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Worried about 7.1% PPF interest rate? It is higher than what it should be!

Published on March 31, 2020 / By M. Pattabiraman Twitter: @pattufreefincal / 3 Comments

The big drop in PPF and SSY interest rates (among others) is a hard pill to swallow but here is why they are higher than they should be!

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How an EPF corpus increased 5500 times over 30 years of employment!

Published on January 12, 2020 / By M. Pattabiraman Twitter: @pattufreefincal / 1 Comment

A EPF corpus valued at Rs. 1300 in the financial year 1983-84 grew to an astounding Rs. 71.9 lakh in 2014-15. Power of compounding at its best. Here is what we can learn from it.

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Govt Updates Scheme Year of All Small Savings Instruments to 2019

Published on December 16, 2019 / By M. Pattabiraman Twitter: @pattufreefincal

The Ministry of finance in a gazette notification dated 12th Dec 2019 has updated the scheme year of all small savings instrument rules to 2019. A look at what has changed and what has not.

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