When I meet investors who are new to debt, the first thing I clarify is the meaning of corporate bonds. A bond is simply a loan from us to a company: we provide capital today; the issuer pays interest at set intervals and returns principal on maturity. We are creditors, not owners, and that one distinction…
Fixed income acts like the planning engine of a portfolio. It converts long term goals into scheduled cash flows and helps investors stay on track without watching markets all day. Behind many steady financial journeys you will usually find a calm allocation to bonds investment. This allocation has grown alongside the wider awareness of bonds in…
An interest rate swap is a simple contract where two parties exchange interest payments on a notional amount for a set period. No principal changes hands. One side pays a fixed rate. The other pays a floating rate that resets with a market benchmark. In India the most common version is the MIBOR linked overnight index swap…
Anyone starting out in fixed income soon realizes that “government bonds” is not just one product. There are several types, and each plays a different role. Having a sense of what sits inside the list of government bonds in India makes it easier to decide which one fits your plan. The most basic are treasury…
When I first learned about zero coupon bonds, the idea sounded counter-intuitive: no periodic interest and still a sensible investment? The trick is in the purchase price. Instead of paying face value and receiving coupons through the year, I buy these bonds at a deep discount and receive the full face value at maturity. The…
On a rain bright morning in Kolkata, Sneha stared at her phone while her friend Aditya counted coins for their breakfast bill. She had just bought her first corporate bonds and felt nervous. What happens between clicking buy and getting the securities in her account. Aditya grinned and said it is a conveyor belt, not a mystery,…
If you’ve made a long-term profit from selling land or property, the first thing that usually comes up is tax. Thankfully, the Income Tax Act gives you an option to reduce that burden—through 54EC bonds. And the best part? You can now complete the entire process online. The 54EC bonds online purchase route is simple, safe and…
So, you’re itching to make your money do some work in India and you’ve heard folks chatting about stocks and bonds. They’re like choosing between a spicy vada pav and a soothing kulfi—both awesome but totally different. Getting a handle on the difference between stocks and bonds can help you figure out what’s best for your cash,…
Government regulations play an important role in shaping the truck industry in Kenya. Let us learn how these regulations impact truck operations and how businesses can navigate compliance while maximising efficiency and profitability. Kenya’s truck industry is governed by various regulations related to vehicle safety, emissions standards, driver qualifications, and road usage. Fleet managers must…
Bihar, a state in eastern India, has been undergoing a gradual transformation of its economic landscape. It has become a hub for small and medium-sized enterprises. Business growth in Bihar often hinges on access to financial resources, particularly Business Loans. Bihar’s business ecosystem is a vibrant amalgamation of traditional industries such as agriculture, handloom, and…