Ravi Fernandes

Ravi Fernandes added blog Other
2025-12-22 06:18:38 -

Comparing Risk and Returns: Corporate Bonds vs Stocks
When I’m trying to make sense of corporate bonds versus stocks, I start with one simple question: am I buying ownership, or am I lending money? That difference shapes almost everything—how returns show up, how risk behaves, and what I should expect when markets get noisy. What I’m really buying With stocks, I’m buying a slice of ownership in a...

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Ravi Fernandes added blog Other
2025-12-08 07:30:51 -

Real Estate Investment Trusts (REITs): How They Work
For most Indian savers property feels familiar but large ticket size makes it hard to buy good quality commercial real estate. A real estate investment trust solves part of this problem. It lets many small investors pool money to own income generating properties in a simple listed format. Let us break down how a real estate investment trust works step by step. What is a real estate investment...

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Ravi Fernandes added blog Other
2025-12-05 12:16:08 -

How Corporate Bonds Are Issued from Start to Settlement
Every time a company issues a corporate bond, it’s not just raising money — it’s building trust. The journey from planning to settlement involves regulation, documentation, ratings, and investor participation. Understanding how corporate bonds are issued helps investors appreciate the structure that keeps India’s debt market disciplined and transparent. It...

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Ravi Fernandes added blog Other
2025-12-04 06:34:14 -

How Do I Buy Corporate Bonds Online and Offline in India
For a long time, the Indian bond market was something people only read about in newspapers. Ordinary savers assumed it belonged to institutions, pension funds, or big-ticket investors. But the landscape has changed. Today, it’s possible for anyone with a demat account to buy corporate bonds within minutes. The real question now is not whether it can be done, but how do I...

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Ravi Fernandes added blog Other
2025-12-03 07:18:11 -

How to Invest in Bonds: Practical Steps
For many Indian savers bonds sit somewhere in the background behind deposits and mutual funds. Yet bonds can quietly bring stability predictable income and useful tax planning to your portfolio. If you are wondering how to invest in bonds in a practical way it helps to break the process into clear steps instead of treating it as a complex expert arena. First get clear about why you...

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Ravi Fernandes added blog Other
2025-12-01 06:22:09 -

The Trade Settlement Process: Steps and Best Practices
In financial markets many people focus on prices on the screen and forget what happens after a trade is done. For markets in shares and bonds to work smoothly there has to be a clear trade settlement process running in the background. If this process is weak even a simple buy order can turn into a problem. What is the trade settlement process? The trade settlement process is the...

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Ravi Fernandes added blog Other
2025-11-26 07:20:15 -

How Corporate Bonds and Stocks Differ in Risk and Return
When I built my first portfolio, I made the same mistake many beginners make—I chased the brightest stock ideas and ignored steadier options. A few sharp drawdowns later, I learnt why corporate bonds deserve a seat at the table. Both stocks and bonds fund businesses, but they serve me very different roles: one helps me grow wealth, the other helps me keep it. Ownership vs....

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Ravi Fernandes added blog Other
2025-11-18 05:34:48 -

Understanding the Meaning of Corporate Bonds with Real Examples
For most investors, the word “bond” brings to mind safety and stability — but there’s more to it than just that. To truly grasp the meaning of corporate bonds, it helps to look at how they work in real life. These instruments form the backbone of India’s growing debt market, connecting savers with businesses that need long-term funds. At its core,...

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Ravi Fernandes added blog Other
2025-11-18 05:33:47 -

What Are Corporate Bonds and Their Core Investment Benefits
Every investor looks for balance — some growth, some safety, and a steady rhythm that makes money feel dependable. That’s where corporate bonds quietly come in. They don’t promise excitement; they promise order. And in a market that often swings between thrill and panic, understanding what are corporate bonds can help bring calm to a portfolio. Think of a...

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Ravi Fernandes added blog Other
2025-11-06 09:47:32 -

What Are Infrastructure Investment Trusts (InvITs)?
In India, the word “infrastructure” usually brings to mind flyovers stuck in half-completion or metro lines running years behind schedule. But in finance, there’s a different way to look at it. Infrastructure Investment Trusts, or InvITs, are an attempt to turn these giant projects into investible opportunities. For investors, learning what are infrastructure investment...

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Ravi Fernandes added blog Other
2025-10-27 13:27:55 -

In Hand Salary Calculator: How to Calculate Your Take-Home Pay
When I got my first job letter, the number printed on it looked huge. The HR said my CTC was ₹10 lakh per year, and I immediately started dreaming of holidays, gadgets, and maybe even my first car. But the happiness lasted only until my first salary credit. Instead of the ₹83,000 I had imagined, what came into my account was closer to ₹65,000. That was the day I realized a hard...

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Ravi Fernandes added blog Other
2025-10-22 12:57:37 -

Why You Should Consider Investing in Bond IPOs
A useful insight for every saver is this. Most of your return from debt comes from steady interest. That is why many people choose bonds for calm income. A public issue lets you apply for new bonds in one simple window. When you invest in bond ipo you get clear terms up front and that makes decision making easy. What is a bond IPO in simple words A bond IPO is a public offer...

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