The Real Cost of Premature Liquidity in Fixed Income Portfolios

During a portfolio review for a conservative client, a research analyst notices that the client’s actual realized return on a Post Office Monthly Income Scheme (POMIS) significantly lagged the projected yield. The client...

Understanding the 15-Year Horizon: The Mechanics of PPF Commitment

During a client portfolio review, a junior analyst recently suggested that a client treat their Public Provident Fund (PPF) balance as a primary liquidity source for a short-term down payment on a vehicle. As a...