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How not to use credit risk funds?: The double digit returns trap
A debt fund giving 12–13% annualised returns, especially in a year when equities have been rough. That sounds like the obvious move – equity like returns with safety of bonds. That reasoning is exactly the trap. Two credit risk funds have been doing rounds on Reddit threads and Instagram reels lately: Aditya Birla Sun Life…
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Ideal number of mutual fund schemes: The myths, and what really matters
33 equity schemes. XIRR of 25.67% vs Nifty 500 at 22.14%. Alpha of 3.53%. That’s how my portfolio looked in September 2024. And 33 schemes was not an accident. It was a hypothesis. The (weak) hypothesis In 2021, I sat down and tried to think honestly about what I actually knew. All the data available…
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Understanding Bonds: Secured vs Unsecured Bonds
If you don’t have some basic idea about what bonds are then you can check out this article where I have explained what a bond is and how it is created in the simplest terms possible. And if you already know the basics about bonds, read on. 2 Types of Loans Secured Loans Banks offer…
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What is a Bond?
You might have seen ads of bonds everywhere these days, getting you curious to ask what a bond is. The ads throw words at you like “Safe”, “Guaranteed”, “Fixed”, “Passive Income” when they talk about bonds. So let’s understand what a bond is and is a bond really all that the ads say that they…
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What are shares and where do they come from?
If you were ever asked by someone very new to investing “what is a share?”, you know how it goes – most analogies you can think of like splitting a pizza in 10 equal pieces among your friends, or dividing a shop into n equal pieces – all fall short, or end up confusing people.…
Beginner
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How not to use credit risk funds?: The double digit returns trap
A debt fund giving 12–13% annualised returns, especially in a year when equities have been rough. That sounds like the obvious move – equity like returns with safety of bonds. That reasoning is exactly the trap. Two credit risk funds have been doing rounds on Reddit threads and Instagram reels lately: Aditya Birla Sun Life…
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Ideal number of mutual fund schemes: The myths, and what really matters
33 equity schemes. XIRR of 25.67% vs Nifty 500 at 22.14%. Alpha of 3.53%. That’s how my portfolio looked in September 2024. And 33 schemes was not an accident. It was a hypothesis. The (weak) hypothesis In 2021, I sat down and tried to think honestly about what I actually knew. All the data available…
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Understanding Bonds: Secured vs Unsecured Bonds
If you don’t have some basic idea about what bonds are then you can check out this article where I have explained what a bond is and how it is created in the simplest terms possible. And if you already know the basics about bonds, read on. 2 Types of Loans Secured Loans Banks offer…
Intermediate
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How not to use credit risk funds?: The double digit returns trap
A debt fund giving 12–13% annualised returns, especially in a year when equities have been rough. That sounds like the obvious move – equity like returns with safety of bonds. That reasoning is exactly the trap. Two credit risk funds have been doing rounds on Reddit threads and Instagram reels lately: Aditya Birla Sun Life…
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Ideal number of mutual fund schemes: The myths, and what really matters
33 equity schemes. XIRR of 25.67% vs Nifty 500 at 22.14%. Alpha of 3.53%. That’s how my portfolio looked in September 2024. And 33 schemes was not an accident. It was a hypothesis. The (weak) hypothesis In 2021, I sat down and tried to think honestly about what I actually knew. All the data available…
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