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Discliplined Investing For Long Term
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Fixed Income Instruments
'Fixed income' as the name represents pay a return on a fixed schedule, though the amount of interest varies. At its broadest definition, fixed income investing involves lending money to financial institutions and companies who are required to pay interest on loan and return the money within the agreeable redemption date.
In quest of earning higher potential returns than regular floating rate investments? Finding the right balance of risk and returns? Here is a good news for you! A wide range of fixed income funds are available to generate a steady and fixed periodic payment rather than simply parking money in banks.
Fixed income investment options advisory at Fin Pals:
Debt Mutual Funds
Short term income funds
Long term income funds
Monthly income plans
Floating rate funds
Fixed maturity plans
Capital gain bonds
Post office term deposits
Post office MIS
Senior citizen schemes
Corporate NCD's (Non-convertible debentures)
Benefits that fixed income investment upholds:
Capital stability- Stability and diversity in a portfolio while offering higher returns
Regular income- Provide a regular income stream
Diversification- Allow diversification; counter balance higher risk investments and promises to serve even in market volatility
Protection against loss during a cyclical downturn
Reasons of selecting varied FIXED INCOME asset classes:
The returns of fixed income aren't fixed. Over the years, the returns of fixed income investments have gone through several changes. So, instead of embracing a single vehicle it is always better to diversify within fixed income options that assure consistent risk adjusted returns over the long term.
The money market is wide and is flooded with products whose makers try all the tricks and traps to make you believe in plans. Ensure you don't make any decision in haste and invest in products that you don't understand at all.
Invest in products that give you desired returns and match with your risk profile, consult Fin Pals advisors and build enough to last your lifetime.