33 results for “FD”

Risk, Regret, and the Case for a Buffer

Most people understand asset allocation just fine in the abstract but look at it as unnecessary friction especially when the markets are booming. But what has three years of ignoring it quietly cost Indian investors? Read on to know more.

[Podcast] A Structured Approach to Cash Calls

Podcast: How arbitrage funds might have systemic risk on a tax-rule change

"If it looks like a duck, swims like a duck, and quacks like a duck, then it probably is a duck", goes the saying. Arbitrage mutual funds are actually taxed as equity funds but they actually behave as debt funds.  And this tax arbitrage of arbitrage funds is what the regulators may be looking to fix. In light of this, we have our latest episode of the Capitalmind Podcast, where we dive into the intriguing world of arbitrage mutual funds, also known as arb funds.

What we should not learn from the SVB crisis

Silicon Valley Bank has gone under. And the government has rescued the depositors. What just happened? We take you through the journey of what the crisis was all about. And then, what we shouldn't take away from that crisis - and instead, what we should. Risk is eternal in banking, but it's true of nearly everything else we do too. It's not even like India's entirely immune, even if our system is better. Read on, there's a juicy long post for you.

Podcast: Why SEBI should implement India's EDGAR and more

Recently, as of 7th September 2022, total Demat accounts in India touched the 10 crore mark. This is a staggering increase from 40 crore Demat accounts in Mach 2020. This alone is a testimony of increased participation and inclusion of individuals in Indian markets. More and more Indians, especially youngsters, are taking to investing in equities enabled by their smartphones - digital broking, increased information access, and social media influence. The whole securities (stock) market ecosystem has evolved immensely over the past decade and deserves a lot of credit for the recent growth in the participation of new investors. At the helm of the ecosystem sits our regulators who are responsible to enable, guide, protect and watch the market participants to ensure that we have a fair and thriving market. In this episode, Deepak and Shray talk about the role SEBI can play in shaping the future of the markets. They talk about data warehousing, data accessibility, regulatory enhancements, bond markets, disclosures & reporting, and a lot more that would make our markets more accessible.

Podcast: Turbulent times - RBI thrives, Fed fumbles

. Markets are slaves of earnings and liquidity. Liquidity has taken prominence after the coronavirus outbreak. At first, central banks across the world increased liquidity by cutting rates and helping their populace to live through the pandemic. Then the after effects of increasing liquidity hit - increased inflation. Now, the same banks are sucking out liquidity by increasing interest rates to counter inflation. The looming after effect of increasing rates is the "r" word that is too pious to speak loudly. In this podcast, Deepak & Shray discuss the two central banks that impact us the most - RBI and FED (Federal Reserve System, USA). What makes this podcast interesting is that we are looking at everything from the lens of who does better - FED or RBI? .

Investing for goals, Elon Musk invests in Twitter, 8 Instruments that beat FD & More

. 🔆 Personal Finance: How to invest for specific goals? 🔆 Actionable: 8 Fixed Income instruments that beat the FD 🔆 World Markets: After Elon's Twitter stock purchase, what's next for Twitter? 🔆 Passive Investing: Are we good enough to pick stocks? 🔆 Factor Investing: The strongest anomaly in stock markets - Momentum 🆕 Pop Quiz: A quiz question that can win you a little gift from us .

Eight Fixed Income instruments that beat the best FD rates in India

For decades, Fixed Deposits have been the most preferred instrument for everyone. But, historically this is the worst time to invest in FDs. Their interest rates are at a multi-year low. The nationalized banks like SBI, Punjab National Bank, HDFC Bank, Axis Bank are offering FD rates in the range of 4.4% to 5.8% per annum, depending on your tenure, and a 0.5% higher for senior citizens. On the other side, the CPI inflation for Feb 2022 was at 6.07%. This means, your real rate of return is actually negative. You are losing your purchasing power by investing in Fixed Deposits. In such a scenario, what are the alternatives available? Can we get a higher return than FDs, without taking the additional risk? The answer is, Yes. In this post, we will tell you the low-risk alternatives, without compromising on the risk.

What you know about inflation might be wrong

In this podcast, ▪️ We understand the practical concept of Inflation with examples ▪️ Impact of Inflation on your investments ▪️ Impact of Inflation on your daily lives, and how it impacts individuals differently ▪️ How the impact of interest rate change impacts the USA differently than in India ▪️ Hajaar practical examples and zero jargons

EP39: Why we run a PMS and how we do it differently

What is a Portfolio Management Service? How does it really work? Do they actually benefit their clients? In this episode, Vashistha and Deepak explore PMS' through their experience of running one at Capitalmind. They explain how the operations work, the pros and cons of different fee structures, quantitative strategies and how PMS' are different from AIFs, Mutual Funds and Smallcases.

EP38: Money, after you die

How do you plan for a smooth transfer of your wealth after you die? And how do you help someone whose loved one has passed on? In this episode, Shray and Deepak explore what you must do in an unfortunate circumstance of a loved one's death, and for an easy transition in case of your own. We also invite Harshavardhan Ganesan, a practicing lawyer, to give us the legal perspective. Listen in for real life anecdotes from covid, succession certificates, legal wills, and some counter-intuitive learnings.

Foundations of health for the wealth-walas, with LiveAltLife

Deepak invites Vivek Subramanyam of LiveAltLife to discuss the one thing without which wealth means very little - health. Vivek breaks down the foundations of health to help avoid or even reverse lifestyle diseases as Deepak draws paralells on human behavior from the world of investing.

Set Off and Carry Forward of Losses - Rules & Restrictions

Shrinking FD Rates, Expensive Loans and Where to Invest Instead

In this episode, Shray and Deepak discuss the evaporating returns from safe investments such as FDs, what it means for lending, and how should you invest in this new (to India) low interest-rate world.

Chart Of The Day: Bank FD Rates From 1976

How to think about Asset Allocation in India - Part 1

Getting usual Asset allocation advice is like listening to in-flight safety demonstrations. The airline crew has to give it, and you don't even have to pretend to listen.  That's because the way we think and talk about Asset Allocation is broken. Asset Allocation is NOT about settling for lower return if you don't want to deal with volatility.

Podcast #27: The run on debt mutual funds. Is your money safe?

Forget Stocks for a bit. Get your Asset Allocation right

Bond Baba #1: An introduction to bonds [Video]

How To Buy A Mutual Fund (Ep-14)

Podcast: Should You Buy A House? (Ep-13)

Introducing Bond Baba - Beat FD returns with Bonds

HUDCO and IRFC Bonds With Tax Free 8%+ Interest

Banks Sucker You On Automatic FD Renewals

SBI Life Money Back Isn't Even As Good As An FD

Monthly Income Plans Versus Fixed Deposit

On Yahoo: Death by Taxes

Repo is Back. Will Banks Hike FD rates?

The Structured Product

RBI to Banks: Rollover Fixed Deposits Without Penalties

Monthly Income Plans Versus Fixed Deposit (Archive)

FDs or government bonds better than "Insurance" plans

Liquid Funds are better than Fixed Deposits