LADDERING RETURNS
FD interest rates above 9%; use this strategy to maximise returns from fixed deposits
Maximising returns from FDs: When you use a fixed deposit ladder, you don't need to predict interest rate changes to find the best time to book your FD. Instead, you should book according to your ladder requirements. This way, the impact of interest rate changes is spread out because some FDs may be booked at lower rates while others may be booked at higher rates.
Global capability centres seek to increase female representation in tech roles
Data from Quess Corp indicates that the presence of women in global capability centres (GCCs) has slightly increased to 30% in FY24 from 26.6% in FY20. However, there remains a significant gap in women's representation in mid and senior-level roles, leading to talent shortages. A report by Pure Storage and Zinnov reveals that only 6.7% of women hold executive positions in GCCs, with even lower representation at the senior level (15.7%).
An FD ladder can boost your returns; here are 4 ways it can help
Creating an FD ladder is a great approach to managing fixed income instruments. This strategy is especially helpful for investors who rely on these instruments, such as senior citizens. By dividing the investment into parts instead of booking one big FD for the long term, investors can effectively enhance their returns and manage liquidity.
Want higher return from your investments? Use this approach
It is a technique of buying multiple fixed income products, each with a different maturity. Text: CIEL
What is opportunity cost in investing: 4 things to know
If there is an alternate use to which money can be put, a decision to ignore it and do what one set out to do, creates an opportunity cost. If I leave money idle in the bank because I worry that the equity markets will crash, I make a choice. The opportunity cost of this choice is the difference between the market return of, say, 8%, and the 3% that my money earns.
Move over FDs! Parents tutored by children looking at other investment options
Parents, who were happy with fixed deposits, are being tutored by children on other investment options. Investors, young and old, must be aware of the risks. Sridharan S, founder of investment adviser Wealth Ladder Direct, recalls a PSU banker, who watched his children make enormous profits from stocks during the Covid-time boom. When he decided to take the plunge, he ended up losing most of his retirement corpus.
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2 mutual fund schemes which offer tax efficiency plus debt-MF like returns
Alternative to debt mutual funds: From FY 2023-24 (April 1, 2023), the rules for taxation for debt mutual funds were revised. The government removed the benefit of LTCG indexation benefit at the time of sale of debt mutual funds. However, there are still two mutual fund schemes that are tax efficient and offer debt mutual fund like returns.
Size not a drag for equity funds: Some of the biggest equity MFs are delivering healthy returns
Some of India’s biggest equity funds are delivering better returns than most of their leaner peers.
High charges on NACH, ECS debit bounce: Even 17% return on mutual fund SIP may not be enough to recover penalties
Mutual fund SIP has become a popular tool for small retail investors to do small regular savings and get the benefit of higher returns from equity market. This facility empowers these small retail investors in a big way. However, the banking facility of ECS/NACH debit which allows automatic monthly deduction can turn this into a nightmare with very high bounce charges especially for small investors if they miss even one investment payment.
What should be your asset allocation strategy for 2024? Suresh Sadagopan answers
“Having multiple mutual funds and then also having a full stock portfolio and all that, what will happen is it will make the portfolio unmanageable and at the same time it is not going to give you any better diversification or better returns for all the effort that you will be putting in. It is better to go for an appropriate index fund,”
Gender pay gap widens as women go up the tech ladder
Aon’s latest estimates shared exclusively with ET showed that the unadjusted gender pay gap in the technology sector in 2023 is in the range of 28-30%, while for junior management, it is 8-10%.
Execution-only platforms: What’s new for customers
“The current execution only platforms are only for the direct plans and do not profess to offer any kind of advice. So they will not have to register as an RIA. So this is a new digital platform category which SEBI has created. As far as investors are concerned, they have to understand that they are being given more and more choices today.”
With fixed income instruments offering attractive returns, find out how to build a strong debt portfolio
Fixed income investments: We typically park our money in fixed income instruments for safety. These investments help counter the fluctuations of higher-risk assets, such as equities, providing a degree of stability to the portfolio. This shield can only work if the fixed income part of the portfolio is resilient to adversity. For this, having a proper mix of fixed income assets is critical.
Higher FD interest rates to continue as RBI holds repo rate; how to get best returns from fixed deposits
Fixed deposit investors witnessed a good hike in FD rates since May 2022 after a long gap during which they had witnessed one of the lowest rates in decades. However, with 3 consecutive pause in repo rate hikes by RBI there was a fear of reduction in rates which could have led to fall in FD interest rates has well. However, FD investors are likely to enjoy higher FD rates for a longer period as RBI decided to keep the repo rate unchanged.
Stable Money: Platform providing digital fixed-return investment opportunities launched
Stable Money, an online marketplace for fixed-income investments, has been launched, allowing customers to compare FD interest rates from over 200 banks and manage their FDs using digital tools. The platform has secured funding from Matrix and Lightspeed and has partnered with banks and NBFCs to offer fixed-income products.
1,000-point milestones: Sensex took just 9 days to climb 66K ladder
The previous 1,000-point milestone from 64,000 to 65,000 was achieved in just 3 trading sessions. The two peaks of 63,000 and 64,000 had taken 278 days and 144 days, respectively.
Financial planning is not about money alone; why you should not let math dictate your personal finances
We are not saying that numbers and calculations are not important. Indeed, a well-laid financial plan based on calculations gives a solid foundation. However, you shouldn’t let math dictate your personal finances. It is a misconception that financial planning is all about numbers.
Climate-tech startup Newtrace raises $5.6 million in funding from Sequoia, others
The company said in a statement that it will use the money to drive the expansion of Newtrace’s electrolyser manufacturing and deployment capabilities in India and abroad.
Want higher returns from your investments? Try laddering
It is a technique of buying multiple fixed-income products, each with a different maturity. Text: Centre for Investment Education and Learning (CIEL).
Best mid-and-small-cap mutual fund managers 2022
Meet the mid-and-small-cap mutual fund managers who created the most wealth for investors in 2022.
Profit from rate hikes with a target maturity fund ladder
Laddering is a process in which an investor can buy multiple schemes that will mature in different years. In this case, wealth managers believe investors could build a ladder that has five schemes that mature within three to seven years from now and are in line with their cash flow requirements.
Banks offering highest 5-year FD interest rates
Depending on the tenure one selects, fixed deposits give a guaranteed return combined with fixed interest. You can achieve both your short-term and long-term goals by creating a fixed deposit ladder.
Dr Reddy's Laboratories planning mergers and acquisitions to climb up ladder
India contributed about a fifth or ₹4,196 crore of the company's overall sales of ₹21,439 crore in 2021-22, but domestic business has clocked 17% compound annual growth rate in the past four financial years, well above the sector average of 9-10%.
How laddering your fixed deposit investments can help optimise returns
Making an FD ladder is one of the best strategies to manage fixed income instruments. Investors who mainly depend on these instruments, especially senior citizens, can use it effectively to enhance their return and manage liquidity in the investment. When you make an FD ladder, you essentially divide it into parts instead of booking one big FD for the long term. But why the sudden focus on laddering your fixed deposit investments? That's because the right time to plan an FD ladder is when interest rates start reversing.
Fixed deposit ladder can help you get the best returns from FDs now: Here's how and why
While keeping all eggs in one basket, or keeping one big FD of a long tenure, is a bad investment strategy in general, it has become all the more evident in the current economic situation.
Reliance Retail Q3 Results: Profit rises 23% to Rs 2,259 cr; revenue up 53% YoY
The revenue from operations for the quarter increased 53.4 per cent year-on-yea to Rs 50,654 crore
How to create a bond ladder using target maturity debt mutual funds
Recently, creating such a bond ladder in mutual fund schemes was not easy. However, the launch of multiple target maturity debt funds in recent years opened up this possibility. Here is how these funds can help mutual fund investors.
When there’s no next step on the coaching ladder
Most of all, he has won. He has won over and over again. At River Plate, Gallardo has collected a dozen major trophies as a manager. He has won two continental championships, and come within two minutes of a third. One of his predecessors at the Buenos Aires club, Ramon Díaz, has described him as the greatest coach in the team’s history.
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