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Debt fund strategies for the current rate scenario
Strategies
Bhavana Acharya

Debt fund strategies for the current rate scenario

The Reserve Bank’s monetary policy on Wednesday served up another repo rate hike of 35 basis points, adding to the 190 basis points through this year. That takes the repo rate to 6.25% from the Covid low of 4%. The key driving factor behind the rapid rate hikes – that of inflation – still remains. The RBI has clearly spelt its commitment to bringing inflation within the target range, even in its latest monetary policy.
In this light, debt fund strategies you have now, to make the most of the current scenario, can be decided based on what you want:

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Are you looking for the next HDFC Bank?
Stocks
N V Chandrachoodamani

Are you looking for the next HDFC Bank?

There is no dearth of stock market stories about the next HDFC bank or the next Page Industries or the next Dixon Technologies. In the recent IPO boom, this comparison went to the next level – comparing Indian companies with global giants.

But this kind of chasing the next big multi bagger, has seldom yielded rich dividends for investors.

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An AT1 Bond with high yield
Bonds & Deposits
Aarati Krishnan

Prime Bond recommendation: An AT1 bond with high yield

At PrimeInvestor, we took an ultra-conservative approach to debt investments during Covid and just after it. But with economic recovery taking root, interest rates rising and credit offtake improving, we believe investors can shoot for higher yields by taking on some credit risk. Perpetual bonds from banks with sound financials are one option, offering good reward for risks taken. We are covering one such bond here.

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Re-rating: The X factor in multi-bagger returns
Stocks
Aarati Krishnan

Re-rating: The X factor in multi-bagger returns

Ask any new CFA pass-out what drives stock returns in the long run and he’ll likely tell you that is earnings, of course! Equity analysts spend many man (and woman) hours on excel sheets, trying to model the future earnings of companies, to identify stocks to bet on.
But if you look at the journey of multi-bagger stocks over any time period, you’ll find that there’s an X factor apart from earnings that drives multi-bagger returns.

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The search for high interest rates: where to draw the line
General
R Balakrishnan

The search for high interest rates: where to draw the line

Low interest rates and rising inflation are a dilemma for savers. There is a constant conflict between risk and return. As far as the retail investor is concerned, he looks forward to being ‘protected’ by the regulators. Financial literacy does not come easy and ninety percent of us would not know the difference between a fixed deposit and a debenture.  And we would be forgiven in thinking that the term ‘secured’ debenture or bond means that every rupee we invest is safe! But where should we draw the line in the search for high interest rates?

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Stock review : An under-researched, niche, small-cap play
Stocks
Vidya Bala

Stock review : An under-researched, niche, small-cap play

A lot goes into making that piece of gold jewellery you see at your jewellers’. Or even the copper that goes into your two-and four-wheelers. The first step starts with mining these metal and mineral ores. The next is to crush the ore lumps into desired sizes and processing them in mills to extract the metal or mineral. This involves a lot of machinery such as crushers, screens and other mineral processing equipment. In mill equipment, there’s a critical component that protects the equipment to ensure longer life, reduce noise as well as downtime, and improve safety. 

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How to review your mutual fund portfolio
Strategies
Vidya Bala

How to review your mutual fund portfolio

When answering the question of ‘How to review your mutual fund portfolio’,  some of the frequently asked questions that we receive from you are as follows :
“My fund is underperforming. Should I sell it or not?”.
“How to go about selling a fund – in one shot or in a staggered manner?”
“How long should I hold an underperformer?

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Use this passive fund for your large-and-midcap exposure
Recommendations
Bhavana Acharya

Use this passive fund for your large-and-midcap exposure

A few weeks ago, we had written in detail the categories in which we think passive funds have become a necessity to keep your portfolio returns stable; even if you hold active funds. We made this call as performance of active funds were becoming relatively more inconsistent, in a few key categories.

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An active strategy for fixed deposits
Bonds & Deposits
Aarati Krishnan

An active strategy for fixed deposits

It is the fashion for personal finance gurus and social media influencers to begin their talks by dissing FDs. FDs are dumb investments, they say, before urging you to migrate to equities, or exotic things like options trading or covered bonds.
But the humble fixed deposit can serve a very useful purpose in your portfolio by acting as a source of ready liquidity and acting as a bedrock for your safe money. That’s why we have Prime Deposits, our list of FD recommendations. It is quite possible to generate positive real returns on your FDs through an active strategy. But can an active strategy really go with FDs? Of course! Here’s how you can do it.

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LIC’s New Pension Plus - can it replace NPS?
Insurance
Bipin Ramachandran

LIC’s New Pension Plus – can it replace NPS?

In September 2022, LIC launched a new pension product. LIC’s New Pension Plus – LIC’s NPP(plan number: 867) with features similar to NPS. In the case of NPS, the default retirement age is 60. But in the case of LIC’s NPP, you can choose the policy maturity age and this can be as early as 35. So, does the LIC’s NPP score over NPS? Let’s find out!

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Technical outlook: Where the Nifty 50 & key sector indices are headed
Markets
B Krishnakumar

Technical outlook: Where the Nifty 50 & key sector indices are headed

In the previous update on the outlook for the Nifty 50, we had mentioned the possibility of the Nifty 50 index stabilising for a while before resuming its uptrend as one of the possible scenarios. This scenario has played out. The breakout above the positive trigger level of 17,500 confirmed the bullish case scenario as well. The third point worth highlighting is that the Nifty 50 index did not breach the bearish trigger level of 16,400 mentioned in the previous posts.

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Employees' Pension Scheme (EPS) and the SC verdict
General
Aarati Krishnan

Employees’ Pension Scheme and the SC verdict – Your questions answered

A recent Supreme Court ruling about the Employees’ Pension Scheme has put personal finance writers in a tizzy. Most have tried to decipher the complicated ruling. Some have tried to tell eligible employees what they can still do to board the EPS bus if they’ve missed it so far. But after studying the ruling and its implications, we felt you needn’t worry over-much about the EPS if you have missed the bus. There are many other good pension options.  

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