Consider a scenario where an HNI client holds a ₹50 lakh corpus in a mix of long-duration Gilt funds and medium-term corporate bond funds. They call you in a panic after reading headlines about a potential RBI policy...
A common situation for a mutual fund distributor is a client asking why their liquid fund NAV fluctuates slightly, even when they assume the instruments inside are safe. They often confuse the process of how these...
Consider a HNI client in Mumbai who asks you to explain why their portfolio's G-Sec exposure is impacted by a sudden rise in interest rates, while their colleague’s interest rate futures position reacted quite...
A common situation for a mutual fund distributor is a client asking why their debt fund's NAV fluctuated despite the interest rate remaining constant. This often happens because the secondary market is constantly...
A regular retail client recently approached me, confused by their inability to predict the exact yield they would receive on a Government Security (G-sec) purchase through the RBI Retail Direct portal. They assumed that...
A common situation for a mutual fund distributor is a client asking why a Liquid Fund’s portfolio suddenly shifted from Certificates of Deposit to Triparty Repo (TREPS) holdings. While the client views this as a...
A regular retail client calls you, concerned that the NAV of their medium-duration debt fund has stagnated despite no change in the underlying credit quality of the assets. They ask why their fund is underperforming...
A regular client calls you, concerned that the liquid fund in their portfolio has suddenly diversified its holdings into new Commercial Paper (CP) issues from a mid-sized NBFC. They ask why their 'safe' fund is taking on...
A long-term HNI client, accustomed to the ease of liquidity in equity mutual funds, recently questioned why their corporate bond exposure often feels less 'visible' compared to their holdings in a Large Cap scheme. They...
Picture a client who has been comfortably invested in high-quality G-sec funds, suddenly asking why their corporate bond fund’s yield has climbed while the broader interest rate environment appears stable. As a...