How to Earn Stable Income in Unstable Markets? | CA Rachana Ranade
Published: 2022-06-04
Status:
Available
|
Analyzed
Published: 2022-06-04
Status:
Available
|
Analyzed
Predictions from this Video
Incorrect: 0
Prediction
Topic
Status
Bonds are expected to provide returns between 9% and 11%, which is higher than the current inflation rate of 7%.
"the current rate of inflation is around seven percent and that is the reason why I am talking about bonds which typically fetch between somewhere around 9 to 11% returns"
Pending
For long-term financial goals, starting with equity is recommended, but as the goal approaches, shifting to debt instruments like bonds is advised.
"if the goal is far off you can invest in equity, but as you go closer to the goal you should ideally shift your portfolio from equity to debt instruments."
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The minimum investment amount for the Muthoot Finance Limited bond IPO is ₹10,000.
"what is the minimum investment amount which is required that's just 10 000 rupees"
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The Muthoot Finance Limited bond IPO offers an annual interest rate of up to 8%.
"plus you can earn interest up to 8% p.a"
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The Muthoot Finance Limited bond IPO has a credit rating of AA+.
"it is double A plus"
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Series 3 of the Muthoot Finance Limited bond IPO offers a yield of 7.5%.
"how much is the yield that is 7.5% in this case"
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Series 3 of the Muthoot Finance Limited bond IPO has a tenure that is listed and has a credit rating of Double A from ICRA, indicating stability.
"how much is the tenure, how much is the yield that is 7.5% in this case then is it going to be listed? answer is again very much YES, you can also see that the credit ratings is double AA it means ICRA says that it is a stable credit rating"
Pending
An example cash flow for the Muthoot Finance Limited bond IPO shows interest payments in June 2023 and June 2024, with maturity and face value return in June 2025.
"June 2023 you'll get your first interest June 24 second interest and finally June 2025 there'll be a maturity of your face value will also get back plus the interest amount"
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The minimum investment amount for some bonds is ₹10,000.
"so for that what will I do investment but from low to high so if I click here I will get to see all these bonds which have a minimum most investment ten thousand, ten thousand, then of course I just go on with twenty thousand"
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The REC 54 EC bond is identified as having the highest safety but offers a low yield of 5%.
"here you can see highest safety is with REC 54 EC bond so that's basically a tax saver one but yield is only 5% of course low risk low return right"
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India Bulls Housing Finance bond offers a yield of 8.44% and matures on March 19, 2023, indicating a short tenure of less than a year.
"here I get to see about India Bulls housing finance bond yield is 8.44 and the maturity is just 19th march 2023 so less than a year"
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Short-term listed bonds are taxed according to the investor's applicable income tax slab rates.
"for short term the taxation will be as per your applicable slab rates"
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Long-term listed bonds are subject to a flat 10% tax without indexation benefits.
"for a listed bond you will be taxed at flat 10% but you will not get the indexation benefit"
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Long-term unlisted bonds are taxed at a flat 20% without indexation benefits.
"if I am talking about unlisted bonds and if it is a long term bond you will be taxed at flat 20% again you will not get any indexation."
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