With better credit offtake and improving upgrades in credit rating, at PrimeInvestor, we think it may be time to selectively take calls on bonds that compensate well for the risk taken. In this report we cover one such privately placed bond.
Prime Bond recommendation: A privately placed bond for high-risk investors Read More »
As far as investment products go, ULIPs (short for Unit Linked Insurance Products) have the reputation of being the ‘bad boys’. While investor wariness toward ULIPs in their earlier avatar was justified, they have evolved since their pre-2010 days following changes made by IRDAI. However, ULIPs have still not entirely managed to shake off their reputation. In this article, we pit the present day ULIP vs. mutual funds – and compare them on parameters such as their function, how they invest your money, liquidity, expenses and tax treatment and see how they stack up.
ULIP vs. Mutual Fund – where should you invest? Read More »
It’s been interesting times for the Nifty 50 in the past month! As we observed in the previous update, the Nifty 50 index remained bullish and managed to reach the first target of 18,640-18,700 zone that we had set. The index appears on course to reach even the second target of 19,100 mentioned in the outlook last month.
Technical outlook: Can the new Nifty 50 targets be extended? Read More »
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:
Debt fund strategies for the current rate scenario Read More »
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.
Are you looking for the next HDFC Bank? Read More »
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.
Prime Bond recommendation: An AT1 bond with high yield Read More »
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.
Re-rating: The X factor in multi-bagger returns Read More »
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?
The search for high interest rates: where to draw the line Read More »
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.
Use this passive fund for your large-and-midcap exposure Read More »
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.
An active strategy for fixed deposits Read More »
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.
Technical outlook: Where the Nifty 50 & key sector indices are headed Read More »
This earnings season, the standout performers come from the banking sector. While private banks led the revival in earlier quarters, this time around, performance is visible all round – across leading private banks to old private banks and PSU banks.
Should you still bank on banking stocks? Earnings review and more Read More »
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