Fixed Investment Option

Retirement planning is really a combination of an art and science. You can plan for an annual retirement income that you would like to see in your retirement years – perhaps something that is at least the income that you earn now or a percentage of your current income. You'll also want to estimate your expected retirement expenses and make sure you protect your retirement savings against inflation. You'll want to plan for a longer life to avoid running out of income during your retirement years especially if longevity runs in your family like –  Tax Free Bonds .  Ask yourself, do you wish to retire and live off only your retirement savings or do you plan to work in retirement to supplement your retirement savings? If you are not yet retired, do you need to continue saving in order to better meet your retirement goals? All of these estimates and considerations are important to factor into your retirement plan and your Financial Advisor can help you make sure that you're well...

  There are many alternative investments Indian residents including   Fixed Income securities . Some are riskier than others, but in general they all have potential to bring a nice return on investment. To be successful though, it’s crucial that you compare investments beforehand. Here’s a summary of the most important alternative investments India residents have access to.   1. Art– Investing in art, whether it be classic or contemporary, is one of the most refined investment options available. The rule is to buy things you like, because views on the same piece of art can vary widely – what one expert finds astounding, another can find lacking. You have to love art to invest in art. 2. Antiques – Investing in antiques requires extensive knowledge of old things, as well as determination, and above all, passion for the items you collect. Provenance of antiques is crucial and drives the price. 3. Coins– Investing in coins, especially older, rarer ones can be lucrative. Rare...

If you are interested in making your money work for you, you need to invest it in some plans, shares bonds etc. but before doing investment tasks, there is a need of portfolio management for your investment as well as the depository accounts. This is the basic need which is required early before starting the  investment in Bonds . So what’s the  bonds portfolio  management? Benefits of Bonds portfolio  which is maintained and updated about your investments involving your profit and losses, the future expected profits etc. is called the management of the investment portfolio. Before we go further about the investment portfolio, we make it clear that the investment portfolio can be done for an organization as well as an individual investor. The basic purpose for making an investment portfolio is to gain more and more profit from the investments. Hence the portfolio is a solid based plan for your future as well as on going investment. Who can make the portfolio about th...

  When it comes to investing your money for retirement and   invest money in bonds online   as well mutual funds are, more times than not, the way to go. If you have read a number of personal finance articles, you might notice that writers continually talk about these   bonds investment in India . Still, they often fail to explain the basic premise behind mutual funds; so many investors have a limited idea of what they are. Know about Stocks, Bond & Mutual Funds? Starting Steps Before you c a n fully understand  mutual funds , you have to have a basic knowledge of stocks,  Treasury Bonds  and other important terms. Though these are simplistic explanations of these important terms, they will suffice for the sake of understanding. Stocks Stocks are interesting because they give you the opportunity to hold shares in a company’s ownership. Companies that offer stocks are often referred to as “public” companies because their ownership is comprised of ma...

What Are Debt Funds & How do they Work?       Debt Funds or Debt Mutual Funds  primarily invest the money in  fixed income securities in India  like government bonds ( Gsec Strips ), debentures,  corporate bonds  and other money- market linked debenture   instruments. These funds lower their risk by investing in such avenues. They have relatively low volatility and generate risk adjusted returns over time.       How do Debt Funds Work?     These funds invest in instruments such as  Bonds  and  fixed income securities   to generate returns for the investors. These funds buy these instruments and earn interest on the money. The yield that the investors receive is based on this.       The  Bonds portfolio   needs to have specific maturity ranges. For example, a liquid fund can  buy government securities  which have maturities of up-to 91 days. They do not of...