Fixed Deposits | wealthymatters

Fixed Deposits And Equities In The Barbell Strategy

May 26, 2018 Leave a comment

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If the all the risk-reward stories of the portfolio theory mutualfundwale don’t grab you, here’s an alternative strategy for the independent investor : The Barbell Strategy.

Here’s what it involves :

Building a portfolio that recalls a barbell. That is : On one side, there’s a basket of extremely safe investments. On the other side, there’s a basket of extremely speculative plays. The weight is distributed between two extremes, with almost nothing in the middle. Read more of this post

Filed under Alternative Assets, Entrepreneurship, Paper Assets, Theory, Tool Kit Tagged with alternative strategy, asymmetric risk return scenario, asymmetric risk reward ratio, Barbell Strategy, conservative, derivatives trader and arbitrageur, Fixed Deposits, hyper aggressive, hyper conservative, illiquid stocks, independent invester, mildly aggressive, minimize downside risk, multi-bagger, Nassim Nicholas Taleb, networking, postaday, risk measures, risk-reward, speculation, strategy, ultra safe, unlimited upside, unlisted shares

Planning to Retire This Year? Here is How You Should Prepare for the Next Tax Season

January 29, 2018 Leave a comment

wealthymatters It is crucial to invest your retirement corpus diligently. Before you make your investment decisions, evaluating and analyzing different options is beneficial. You do not want to speculate your retirement corpus. You may prefer earning slightly lower returns for the security of your funds.

Your primary objective is to generate fixed income through your limited savings. The first step is to collect all your funds from instruments, such as gratuity, Public Provident Fund (PPF), savings bank accounts, equities, fixed deposits (FDs), and insurance. Read more of this post

Filed under Tool Kit Tagged with best tax-saving options, capital safety, DDT, dividend distribution tax, EEE - excempt excempt excempt investment, ELSS, equities, equity-based balanced mutual funds, Equity-Linked Saving Schemes, Fixed Deposits, gratuity, how to invest your retirement corpus, Inflation, Insurance, life expectancy, MF-MIP, monthly post retirement expenses, mutual fund MIP, Mutual Funds, POMIS, Post Office Monthly Income Schemes, postaday, PPF, Public Providend Fund, retirement investment options, savings account, savings bank account, SCSS, Senior Citizen Savings Scheme, tax free retirement investment options, tax saving mutual funds

Priya’s Story

August 21, 2012 11 Comments

wealthymatters.com Here is a story I came across on the internet today.Thought I’d share it with you.

Few things I learned after Mithun:

We always believe we will live forever. Bad things always happen to others.

Only when things hit us bang on your head you realise… Life is so unpredictable….

My husband was an IT guy…all techie…And I am a chartered accountant…Awesome combination you may think…

Techie guy so everything is on his laptop…his to do list… his e-bill and his bank statements in his email… … He even maintained a folder which said IMPWDS…wherein he stored all login id and passwords for all his online accounts…And even his laptop had a password… Techie guy so all the passwords were alpha-numeric with a special character not an easy one to crack…Office policy said passwords needed to be changed every 30 days…So every time I accessed his laptop I would realise it’s a new password again… I would simply opt for asking him ‘What’s the latest password’ instead of taking the strain to memorise it. Read more of this post

Filed under Theory, Tool Kit Tagged with bank accounts, Bank Lockers, car insurance, death certificate, Demat Accounts, FIR report, Fixed Deposits, indemnity bond, joint owner, legacy drawyer, life insurance, make a will, No objections certificates from co-heirs, nominations, nominee, notary, NSC, pension, Post Mortem report, postaday, property, Provident Fund, salary account, succession certificate, surety, two wheeler insurance, Will

RBI and its Repo Rates

September 28, 2011 4 Comments

wealthymatters Every time the RBI announces an interest rate change do you start wondering how it will affect the prices of your shares,how much you can get on your fixed deposits,whether it is a good time to buy bonds or bond funds,how much your EMIs will cost etc.?Then reading the following article from today’s ET is a must.It is written by Madan Sabnavis, chief economist of CARE Ratings.

Lag Effect of Rate Rise Worries Apex Bank

Every time the Reserve Bank of India (RBI) increases interest rates, a plethora of voices are heard. Industry laments that their profits get squeezed affecting growth. Bankers aver that their interest margins come under pressure and non-performing assets (NPAs) get Read more of this post

Filed under Paper Assets, Theory Tagged with Fixed Deposits, interest rates, postaday2011, RandomBlog2011, RBI

Investing in NCDs

July 4, 2011 4 Comments

A non-convertible debenture is a fixed income instrument where the issuer agrees to pay a fixed rate of interest to the investor. An NCD cannot be converted into equity of the issuing company unlike convertible debentures.NCDs are good substitutes for fixed deposits,especially company deposits.

Debentures are of two types secured and unsecured. The debentures with a “charge” on the assets of the issuer are called secured debentures. So in case of a default by the issuer, the secured debenture holders are paid by selling the assets against which the charge was created. Secured NCDs offer lower interest than their unsecured counterparts. Read more of this post