Let us see what happens when a HNI wants to build a debt portfolio of his balance sheet! Why only a HNI? Simply because a not very rich person may be happy with 4-5 PPF accounts (into which he can invest about Rs. 2-3 lakhs a year), some bank fixed deposits, etc. However for a […]
Now that people have postponed their foreign trips, they all want to buy a house…. Let us see if you can afford a house: – can you afford to pay at least 40% of the cost of the house as a down payment? – can you afford to pay the EMI on just ONE salary […]
The amount of commotion that has happened in the debt market is not funny. Yes not too much has happened in the market – it is the regulator who is doing most of the things. Let us accept the following: Posco, Warren Buffett, Ikea, many FIIs leaving India is surely not good news. However we […]
People end up asking me some very basic debt market questions too…so here is an attempt to help them…if they do not know the basics Continuing the debt class, have you ever wondered what assets can you invest in to meet your debt requirement? Well there are many – and most of them you know […]
Most of the Governments of the world have been subsidised by the middle class. Let me explain. The biggest borrower in India is the Government of India – about 80% let us say. Now this government along with the RBI can decide the interest rates for most of us. They decide: at what rate PPF […]
The government keeps talking about Inflation Indexed bonds – we are not clear when it will come. We have no clue as to how it will be structured in India. However this is how it should work if they do a cut and paste from the US – TIPS is the US product. Principally this […]
I have been receiving queries about investing in fixed income securities. Not sure whether it is an indication that Indians are pulling out of equity markets (read the article on Bloomberg about this) or banks are giving real poor interest rates. So let me run a series of questions. 1. Should I invest in a […]