Debt Mutual Funds Simplified
Greetings from PenguWIN, I wanted to pen a short and simple write-up on Debt funds. The objective is that the investors should have a basic understanding of what a debt fund is and how it works. Debt funds are categorized based on the maturity profile of the instruments/securities/papers (used interchangeably) that they hold. In simple terms you can think of 60 days FD (Fixed Deposit), 91 days FD, 1-year FD and so on. If money is...
Covid-19 Shakeup
Greetings from PenguWIN, The continuous fall in the equity markets has spooked almost every investor. While 2008 was a major crash in value terms, the Corona Virus impact has caused one of the fastest crashes that the stock markets have witnessed – i.e. about 33% down in less than 2 months (Sensex reached 42,273 on 20th Jan 2020) and 31.3% down from 20th Feb which is less than a month. The question that everyone has...
Stay the course, Equities will deliver
Greetings from PenguWIN: PenguWIN wishes you a wonderful Vinayagar Chaturthi !!! There is a sense of negativity in the market with investors doubting whether Indian Equities as an asset class has lost its mojo. Returns from lumpsum investments done 3 years ago, SIPs that are 4 to 5 years old are close to zero or even negative. Will Indian Equities Deliver? The answer is a resounding “Yes”, Stay the course and Equities will deliver. As...