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Tag Archive: Fixed deposit


An intelligent investor was once asked what the market was going to do. He replied, “It will fluctuate”. This is wp-1470671868819.jpgthe most important possible truth. We need to get deeply into our bones the sense that any market and the stock market, moves in cycle so that we will infallibly get wonderful bargains every few years and have a chance to sell again at ridiculously high prices a few year later.

Here is some observation how people at different age groups are reacting to the markets now:

People in their 20’s are logging back into their wealth front accounts to dial down their risk setting when they should be dialling up their regular contribution amounts.

People in their 30’s are trying to keep up with what’s going on, even though they are utterly bewildered every time an app on their phone Continue reading

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Inflation Indexed bonds

Sometimes the social application like Whats up can be fun to debate things. Yesterday was arguing with one of my friend on the imagesrecently announced inflation indexed bonds, a financial instrument which can act as a hedge against inflation by the RBI.

Before I describe their pros and cons Let us know what are they – They are the enhanced version of Capital Indexed bonds issued in 1997 by RBI. Capital indexed bonds provided inflation protection only for the principal while inflation indexed bonds provide inflation protection for interest payments as well. Theoretically, inflation indexed bonds could indicate the willingness of the government to maintain optimal Inflation numbers.  Continue reading

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