Posts tagged with "fixed-deposits"
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Impact Of Repo Rate Hike
In the previous post we discussed about inflation and how it can be tamed by central banks. One of the ways to reduce inflation is by reducing the amount of money people spend. This can be done by increasing the rate of interests on loans or by making safe investments so attractive that people will save money in banks instead of spending on things. Think of it this way – if your home loan EMI increases, you will have less to spend on other things right? Alternatively, suppose you don’t have any loans, but you are a saver. Then if the FD interest rate went up from 5% to 6%, you might save more instead of spending and causing inflation. That was a very simplified explanation of course, but lets just go with it.
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Should I Invest in Retail Direct Scheme
The minute I read about RBI launching retail direct scheme to allow retail investors to invest directly in the government bonds, I got excited. I have a huge portion of my investments in G-Sec (government securities) via various mutual funds. If there is a way I can invest directly with RBI, side stepping mutual funds, I could save on some expenses (expense ratio). Sounds good in theory, but will it work? Here are some of my initial thoughts on the scheme as applicable to me.
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Asset Allocation After Retirement
What asset allocation should you go for after retirement? That is not a common question I hear from readers of my blog because most of them are still in the accumulation phase and don’t have to worry too much about retirement yet. But it is something that I struggle with myself from time to time since I am already retired. If you are close to retirement or are already retired, maybe this post will help. In case you don’t already know what an asset allocation means, please read my post on it.
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A Simple Investment Plan
It has been 10 years since I first started investing. When I look back at how I invested back in the day, it looks so simple. No complicated planning or exotic products. I always believe in starting with something simple. Whether it be investments, work, hobbies, nutrition, exercise, you name it. There are several advantages of this approach.
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Interest Rates On Govt. Schemes Have Been Cut
Finally some good news that I have been waiting for. The interest rates for the governments schemes have come down. Just in yesterday's post I have been complaining about the high interest rates of many of these schemes have been the barrier for the rate cut transmissions.
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Form 15G and 15H
It is the start of the financial year and now is a good time to figure out if you need to submit form 15G or 15H. For most individuals, this probably does not apply, but it may be applicable for your parents or if you or your spouse have a nil tax liability. In this post, lets go over when, why, where, who and how one can submit form 15G/15H.
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Debt Funds vs Fixed Deposits
If you ask someone whether Fixed Deposits are better or Debt funds are better, more likely than not, you will hear a biased answer towards either of them. Some swear by FDs and their safety, while others say debt funds always give better returns than FDs. Lets bust some myths and try to get an understanding of how these two types of investments work.
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