Investing a significant amount of their income is a practice that everyone should follow. While investing is a healthy practice, the choice of where exactly to invest is a difficult one. The ideal scenario is to diversify the investment portfolio by putting your money in investment bonds, equity shares, and fixed deposits. The choice of investing in different instruments is based on the level of risk and return one is willing to take and accept. Another reason for investing is to save tax money. Many people invest in corporate bonds and sovereign bonds only to be eligible for tax exemption. Investors also look for a regular source of income, and investment bonds prove to be one as they have a pre-decided maturity date. This blog explores the things that one should factor in while investing in bonds. Things to Look For When Investing in Bonds The most important things to know about investment bonds are their various types, the risks involved, the yield that one gets, and the credit ratings. Types of bonds One should be aware of the variants in the bond market. Investment bonds such as corporate, sovereign, or municipal bonds have different coupon rates and may differ in credit ratings. The investor must be aware of the type of bond they are putting their money in. The main difference between them is the issuer. In the case of corporate bonds, different non-banking financial companies issue them, and their yield may vary depending on the respective company's creditworthiness. Similarly, sovereign and municipal bonds are issued by the government, central/state, and local governments, respectively. These bonds are relatively less risky than investing in corporate bonds. Understanding the Terminology and Their Relationships Understanding terms such as a bond’s maturity, coupon rate, whether it is secured or unsecured, tax-exempt bonds or not, and callability is important. If these terms are not well understood, investors will find it very difficult to comprehend the comparison and make an informed decision. Irrespective of whether one is investing in corporate bonds or sovereign bonds, the meanings of these terms remain the same. The coupon rate is the interest paid to the bondholders. A secured bond is a bond with a collateral-backed guarantee, whereas an unsecured bond does not have any such guarantee. There are certain bonds, the yield of which does not attract tax levies. Callability refers to the issuer’s ability to repay the amount before maturity. Associated Risks Investment bonds involve relatively less risk than stocks or equities, but it is still relevant to look for them for a better comparison. Interest Rate Risks: There is an inverse relationship between interest rates and bond yield. So, an increase in interest rates can lead to decreased bond yield. One needs to keep track of interest rate changes in the market to minimise the risk. Default Risks: Choosing a company with minimum default risk, that is, choosing a company with an operating surplus, is a thoughtful check in case of risk assessment. Bond Ratings One of the most important factors to consider is the bond rating. A bond rating is a parameter to check the creditworthiness of a bond issuer. This rating helps investors decide whether they want to invest in the respective bond. Many credit rating agencies give the true picture of a company’s creditworthiness. Agencies like CRISIL(Credit Rating Information Services of India Limited) and ICRA(Investment Information and Credit Rating Agency of India Limited) help evaluate the same. Summing Up There are many websites and apps that allow you to check your credit ratings and also the company’s bond ratings. One such platform where you can check your score is Stashfin! They not only help you analyse whether you should invest in a particular company but also lend money in case you need a personal loan! So, whether you want to invest or borrow, Stashfin is where you should be!
Investing a part of your income is one of the most crucial decisions one should make. While some people are risk takers, others are risk averse. The people in the former category prefer investing in equities, while the latter prefers investments in relatively safe investment instruments, such as bonds. Bonds are debt instruments that help various governments, corporations, and organisations borrow money from the general public. Investors often ask how to invest in unlisted companies. What these investors need to be aware of is the fact that unlisted companies offer unlisted bonds that have more risk associated with them. These bonds are not generally issued to the open public; they are issued at higher levels, often to companies and big investors, as they have a minimum cap investment. This blog explores the main differences between listed and unlisted bonds and the related terminology and market mechanisms. Understanding the Difference: Listed and Unlisted Bonds Definition Listed bonds are debt securities used to raise debt from the general public. The listed in their name suggests the guarantee associated with them. They are less risky in nature. Unlisted bonds are those debt securities that are not recognised publicly and have more risk associated with them. Trading Platform Listed bonds are recognised as belonging to listed companies and are, therefore, traded via the Bombay Exchange of India(BSE) or the National Stock Exchange(NSE). Unlisted bonds are traded over the counter privately to a group of selected investors. These include High-net-worth individuals(HNIs) and institutional and family investors. Who can Invest? The general public can invest in listed bonds, whereas only a selected few can invest in unlisted bonds. The bond price of listed bonds is transparent, whereas the bond price of an unlisted bond is not. Thus, the fluctuation and a significant investment cap on unlisted bonds make it difficult for the general public to invest in them. Level of Liquidity Listed bonds are relatively more liquid than unlisted bonds. Liquidity refers to the ease of converting these bonds into cash. This is because listed bonds are registered on the market, whereas unlisted bonds are not. Trading over a dedicated platform makes the entire process transparent and easy, aiding in easy liquidation. Extent of Regulation The Securities and Exchange Board of India(SEBI) regulates listed bonds. Since there is no dedicated regulated entity for unlisted bonds, investors generally have less confidence in them. How to Invest in Listed and Unlisted Bonds? There are many Non-Banking Financial Companies(NBFCs) that make trading in bonds possible, mainly listed bonds. NBFCs offer a range of financial services, from personal loan and insurance to investing in the equity and bond markets. An NBFC is the best place to buy bonds in India. One can invest using their dedicated apps. For unlisted bonds, investments can be made through brokers, directly from the issuers, or through aggregated bond providers. How to Make an Investment Decision? The decision to make an investment by buying a bond depends on many factors. The first one is to check the credit score as it influences the bond price and the risk profile of both the listed and the unlisted bonds. The second is to identify the investment needs. Bonds become the best investment option if one wishes to diversify their investment portfolio and does not have a good risk appetite. The third is to understand the yield to maturity of their bonds. The fourth is to evaluate the tax implications of the respective bonds. Once these factors are addressed and deeply researched, a final investment decision can be made.
Investing wisely is crucial for financial stability and security. Whether you're a cautious investor or willing to take on more risk, India offers a variety of investment options. This guide breaks down some of the best investment choices for 2024 into three categories: low-risk, medium-risk, and high-risk investments. Here’s how you can start your investment journey: Low-Risk Investments Low-risk investments are ideal for those who prefer stability and minimal volatility in their portfolio. These investments typically guarantee returns and are popular among retirees or those nearing retirement. Fixed Deposits (FDs): Known for their safety, FDs offer guaranteed returns without market fluctuations. Your principal amount is secure, making FDs a dependable option. Public Provident Fund (PPF): Backed by the government, PPFs offer risk-free returns. Interest rates are revised quarterly by the government, ensuring steady growth. Money Market Funds: These short-term debt funds invest in various money market instruments, providing good returns with high liquidity over a short period. Municipal Bonds: Issued by local government bodies, these bonds finance public projects. They offer a safe investment with steady returns. Treasury Bills: Issued by the government for short-term funding, these are considered very safe but offer lower returns compared to other instruments. Medium-Risk Investments Medium-risk investments offer a balance between risk and return. They are suitable for investors looking for higher returns than low-risk investments but still want a certain level of security. Balanced Mutual Funds: These funds invest in a mix of stocks and corporate bonds, providing a balanced approach to growth and income. Debt Funds: These mutual funds invest in fixed-income securities like bonds and treasury bills, offering stable returns with lower risk than equity funds. Dividend-Paying Stocks: These stocks provide regular dividend income, making them a reliable source of income protection with potential for capital appreciation. Exchange-Traded Funds (ETFs): ETFs trade like stocks and invest in a diversified portfolio of assets, making them a flexible and appealing option. Corporate Bonds: These bonds are issued by companies to fund their operations. They offer higher returns than government bonds but come with slightly higher risk. High-Risk Investments High-risk investments are for those willing to accept significant volatility for the potential of high returns. These investments are suitable for savvy investors with a high-risk tolerance. Direct Equities: Investing directly in stocks offers the potential for high returns but comes with substantial risk. Equity Mutual Funds: These funds primarily invest in stocks and are suitable for those who understand market dynamics. FOREX Trading: Trading in foreign currencies can be profitable but is highly speculative and volatile. Hedge Funds: These funds invest in a variety of assets and use complex strategies. They offer high returns but are also high-risk. Conclusion Achieving financial stability requires more than just saving; investing is essential. This guide provides an overview of various investment options in India for 2024. Depending on your risk tolerance, you can choose from low-risk, medium-risk, or high-risk investments to build a balanced and secure financial future.
When it comes to investing, having a mix of different types of assets is crucial. Stocks can offer high returns, but they come with significant ups and downs. Corporate bonds, however, provide a more stable and predictable income stream. Here’s a simple guide to understanding corporate bonds, their benefits, risks, and how to invest in them. What are Corporate Bonds? A corporate bond is a cash loan you give to a company. By buying a corporate bond, you're lending money to the company for a specified time. In return, the company pays you a fixed interest rate regularly and promises to return your initial investment, called the principal, when the bond matures. Key Features of Corporate Bonds Maturity Date: This is the date when the company returns your principal. Bonds can mature in a few months or many years. Coupon Rate: This is the interest rate the company pays you, usually every six months. Credit Rating: This shows the bond's safety level. Higher ratings (like AAA) mean less risk, while lower ratings (like BB) mean more risk. Yield to Maturity (YTM): This is the total return you get if you hold the bond until it matures. Callable Bonds: Some bonds allow the company to pay them off early. Benefits of Investing in Corporate Bonds Regular Income: Bonds provide steady interest payments, making them a good choice for those who need regular income, like retirees. Diversification: Adding bonds to your investment mix can balance out the volatility of stocks, reducing overall risk. Capital Preservation: Bonds are typically less volatile than stocks, which helps protect your initial investment. Higher-rated bonds are particularly good at this. Higher Returns: Corporate bonds can offer better returns than savings accounts or CDs because they involve more risk. Inflation Protection: Some bonds have interest rates that adjust with inflation, helping to maintain your purchasing power. Risks of Corporate Bonds Default Risk: The main risk is that the company might fail to make interest payments or repay the principal. Interest Rate Risk: If interest rates rise, the value of your bond might drop because new bonds could offer better rates. Liquidity Risk: Bonds aren’t traded as often as stocks, so selling them quickly can be difficult. Call Risk: If a bond is callable, the company might repay it early, forcing you to reinvest at a lower rate. Conclusion Corporate bonds can be a solid addition to your investment portfolio, offering a reliable income and lower risk compared to stocks. However, it's essential to understand the associated risks and select bonds that align with your financial goals and risk tolerance. This approach can help you achieve a more balanced and secure financial future.
The highly anticipated return of Sony LIV's "Maharani" for its third season has left audiences on the edge of their seats. Led by the formidable Huma Qureshi as Rani Bharti, the series plunges viewers into the labyrinth of Bihar's political landscape, where power plays and vendettas reign supreme. Following Rani's tumultuous journey from a housewife to a political force to be reckoned with, Season 3 takes an even darker turn as she grapples with accusations of her husband's murder and seeks retribution from behind prison bars. Amit Sial's portrayal of Naveen Kumar, the new CM of Bihar, adds an extra layer of complexity to the narrative, as he navigates the treacherous waters of state politics. Under the adept direction of Saurabh Bhave and the creative vision of Subhash Kapoor, Maharani Season 3 delivers an electrifying storyline, punctuated by stellar performances from the ensemble cast. From Qureshi's steely determination to Sial's calculated ambition, each character adds depth and intrigue to the tale. While the series maintains its gripping narrative and character development, some viewers may find the pacing to be uneven, particularly in the middle episodes. However, the tension mounts as the season progresses, culminating in a gripping finale that leaves audiences clamoring for more. Special Offer: Get Lowest Interest Rate On Personal Loan today! Beyond its thrilling plot twists, Maharani Season 3 also shines a light on the grim realities of Bihar's illegal liquor trade, serving as a poignant commentary on the socio-political landscape of the region. As the characters grapple with questions of power, morality, and justice, viewers are treated to a thought-provoking exploration of the human condition. In conclusion, Maharani Season 3 is a must-watch for fans of gripping dramas and political thrillers. With its compelling storyline, powerhouse performances, and insightful commentary, the series continues to captivate audiences and leaves them eagerly awaiting the next chapter in Rani Bharti's journey. Subscribe to SonyLIV now to embark on an exclusive journey into the riveting world of "Maharani." (Tip: To get Instant Cash Loans, download Stashfin app.)
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Bad debt is when a customer can't or won't pay you what they owe, leaving you with a loss. This affects your business's financial health and cash flow. Here's how bad debt happens and what you can do about it: Causes of Bad Debt: Customer Financial Problems: Your customer may face financial issues like bankruptcy or insolvency, making it hard for them to pay. Supply Chain Issues: Delays in receiving supplies can affect your customer's ability to produce and sell goods, impacting their payment to you. Market Changes: Sudden market downturns can affect your customer's sales and ability to pay. Unsuitable Customers: Sometimes, offering credit to the wrong customers can lead to bad debt. (Tip: Always use a loan calculator before availing one!) Accounting for Bad Debt: Bad Debt Write-Off: When a debt is uncollectible, you remove it from your accounts as a loss. Bad Debt Provision: Estimating and setting aside funds for potential bad debts based on past experiences. Recovery and Tax Implications: Possible Recovery: Even after writing off a debt, there's a chance it may be recovered, but usually not in full. Tax Relief: In most cases, you can claim back the tax paid on bad debts, providing some financial relief. Prevention Measures: Credit Management Policies: Have robust policies to manage credit risks and monitor customer finances. Bad Debt Letters: Sending reminders and communicating with customers promptly can prevent debts from turning bad. Debt Insurance: Consider bad debt insurance to protect your business against non-payment risks. Cost of Bad Debt Insurance: Premiums depend on your business's sector and turnover, providing coverage and financial insights to manage risks effectively. Bad debt can harm your business, but proactive measures like credit management and insurance can help mitigate risks and protect your cash flow.