This is the archive of all our articles related to fixed income investment options
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…
Continue reading →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…
Continue reading →The RBI 7.75% bonds (2018) have been replaced by RBI Floating Rate Savings Bonds 2020 according to a Finance Ministry announcement.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.
Continue reading →Here are ten lesser-known facts about PPF accounts concerning maturity, premature closure and nomination.
Continue reading →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.
Continue reading →The RBI has announced the cessation of its 7.75 per cent Savings (Taxable) Bonds, 2018 with effect from the end of business day, May 28th 2020. Where should one invest now?
Continue reading →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.
Continue reading →These are the key features of the Pradhan Mantri Vaya Vandana Yojana (Modified- 2020) Scheme that launches today, May 26th 2020.
Continue reading →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.
Continue reading →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!
Continue reading →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.
Continue reading →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.
Continue reading →Will the delay in EPF interest payment for 2018-2019 result in a loss to subscribers? Will it affect compounding? We show that it does with some simple examples.
Continue reading →Arjun had to choose between a two crore lump sum payout and a one lakh a month pension for life. What factors between the choices should he consider before deciding?
Continue reading →India Post Mobile Banking App has been launched by the Department of Posts for Post Office Saving bank account users. Here is everything that you need to know about this app: its features, benefits and limitations
Continue reading →This a review and user guide of IPPB App or the India Post Payments Bank Mobile Banking App. How to set it up, features, benefits and limitations authored by Pratik Jain. India Post has long remained an offline bastion of the small saver. However, it has failed to keep up with internet penetration in the…
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