For most retired investors, the challenge is not only to invest in such a manner that the tax liability is kept at bay but also to maintain a regular stream of income.
On top of it, with increasing longevity, the other challenge is not to outlive the retirement funds, but put the retirement corpus to optimal use to sustain funds till one lives.
While the Senior Citizens’ Saving Scheme (SCSS) remains the first choice of several retirees, the post office monthly income scheme (POMIS) and the LIC Pradhan Mantri Vaya Vandana Yojana (PMVVY) also holds equal importance. At the same time, with companies raising funds through non-convertible debentures (NCD) by offering highly competitive returns, most investors consider them to be an attractive investment option.
NCDs are the kind of bonds that carry a fixed coupon rate of interest which is typically 3 to 4 percent higher than bank deposits over tenure of 3-5-10 years. Not all NCDs may offer monthly, quarterly or half yearly payment of interest as most of them offer annual or cumulative payments. Although the NCDs have a lock in period, they can be traded in the secondary market to provide liquidity. In reality, the liquidity is low and not many bonds get traded.
Denne historien er fra November 2018-utgaven av Investors India.
Start din 7-dagers gratis prøveperiode på Magzter GOLD for å få tilgang til tusenvis av utvalgte premiumhistorier og 9000+ magasiner og aviser.
Allerede abonnent ? Logg på
Denne historien er fra November 2018-utgaven av Investors India.
Start din 7-dagers gratis prøveperiode på Magzter GOLD for å få tilgang til tusenvis av utvalgte premiumhistorier og 9000+ magasiner og aviser.
Allerede abonnent? Logg på
5 Steps To Achieve Your Financial Goals
From a beach house, a Jaguar, to traveling the world – there are many things in life that we want to accomplish.
Microbiome: The Invisible Ecosystem Within us that Safeguards our Health
Imagine being able to heal yourself and build immunity against major diseases without relying on heavy medication. It sounds fantastic, right? Who wouldn’t want that? The key to achieving this lies in a fascinating area of research—our microbiome.
Gold ETFs: Attractive option for retail investors to take exposure to yellow metal
With the equity market experiencing volatility in August, investors are increasingly seeking to diversify their portfolios.
The Retail Revolution: How India's Stock Market Got a Makeover by the Common Man
In the annals of India’s financial history, the stock market has long been the playground of the big boys—mutual funds, insurance behemoths, and foreign portfolio investors (FPIs).
Strategies to adopt when the markets are at a high (for new and existing MF investors)
An investor must have a plan in place and, more importantly, stick to it regardless of shifting market conditions.
A Collaboration to keep Health FirstPNUT and IDA come together as One!
You reap what you sow! And if you sow health, you will reap a healthier tomorrow. Following the same lines, Personal Nutrition (PNUT) and Indian Dental Association (IDA) have come together as partners to promote complete health and nutrition for each individual! How things unfolded? Let’s explore.
Making a choice between equity and debt mutual funds for long-term goals
Mutual funds are quickly becoming a preferred investment choice for millennials.
ASK THE EXPERT
From last Financial Year, I have shifted to the new Tax Regime.
Flexi-cap Fund Vs Hybrid Fund
Investors in mutual funds can choose from equity, debt, or hybrid funds, each offering different risk and return profiles. Flexi-cap funds provide diversification across market capitalisations, while hybrid funds balance equity and debt for stable returns.
Neuroplasticity: You Can Teach An 'Old' Brain New Skill
A few decades ago, it was believed that the brain’s structure and functions were entirely dependent on genetics, age, and early childhood experiences.
