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Fixed Deposits & Bonds

While creating portfolios for clients, the most important decision to be made by the financial Consultant is the allocation of clients' funds among asset classes. The two major asset classes are equities and fixed income securities. Other asset classes like real estate, private equity, art, commodities, and hedge funds are referred to as “alternative asset classes. “While equities have the potential to create significant wealth for investors over the long term, debt or fixed income securities have an important role to play in the portfolios of individual and corporate investors.

Features of Fixed Deposit & Bonds:

Tradable Bonds
Safer as compared to others
Suitable for people not willing to take a lot of risk
Fixed Interest
Credit Rated

Fixed Deposit & Bonds FAQ

What is the amount required for Bonds?

There are different types of bonds available in the market with different valuations each. This depends on how much you want to invest at a particular time.

What is the difference between a bond and debenture?

There is no clear-cut difference between the two terms, and they tend to be used interchangeably. At a broad level, governments and central banks issue bonds and companies issue debentures.

What is face value of a bond?

Face value is the value of a single bond as determined by the issuer of the bond. The face value of a bond can be as low as Rs.100 or as high as Rs.10 lakhs. Bonds with higher face values can also be issued but may be open to select investors only.

What is clean price?

Clean price is the prevailing price of a bond or debenture in the market. It is quoted by the seller to the buyer. Clean prices in India are quoted in Rs.100 and multiples of 1 paise. This is irrespective of the face value of the bond.

What is settlement date?

The date on which the buyer agrees to make the payment to the seller and the seller in turns agrees to transfer the bonds to the buyer.