Recalibrating Fixed Income Strategy: What Banks Are Doing — And What Smart Investors Should Actually Do Rajat Dhar (MDRT – COT, USA), Managing Partner 📍 Executive Summary The recent headlines around banks aggressively purchasing short-duration AAA-rated corporate bonds have triggered investor curiosity. But the real question for High Net Worth …

Dear Investor, Yesterday, one of India’s top NBFCs slashed their fixed deposit rates by 0.42% for senior citizen women. This may seem like a small technical move. But here’s the real financial impact: Parameter Before (June 25, 2025) After (June 26, 2025) Interest Rate (60 months) 8.65% 8.23% Effective Yield …

Gold as Strategic Portfolio Insurance: A Pragmatic View for HNIs & Retirees By Rajat Dhar, Managing Partner, Finogent Solutions LLP 🌍 Gold’s Resurgence Isn’t Accidental – It’s Structural In April 2025, gold touched a historic high of $3,500/oz, with projections by JP Morgan now pointing toward $4,000/oz by mid-2026. This …

Introduction: The Tariff Tunnel Vision By Rajat Dhar, Finogent Solutions LLP In recent weeks, global markets have been abuzz with headlines around Trump-era tariffs, rising protectionism, and mounting geopolitical tensions. Yet, despite all this noise, Indian equities—especially beyond banking—remain richly valued. This disconnect prompts a larger question: Are tariffs really …

HDFC Bank Reduces Lending Rates: How It Impacts Borrowers and Investors In a timely move ahead of the Reserve Bank of India’s (RBI) upcoming monetary policy meeting, HDFC Bank has reduced its Marginal Cost of Funds-based Lending Rate (MCLR) by 10 basis points (bps) across tenures. Effective from Monday, the …

FIIs Turn Net Buyers: What This Means for Indian Markets and Investors The Indian stock market witnessed a significant shift last week as Foreign Institutional Investors (FIIs) turned net buyers for the first time in three weeks, while Domestic Institutional Investors (DIIs) booked profits. This role reversal signals changing market …

Insurance GST Reduction: A Relief for Policyholders? The cost of insurance in India has long been a topic of debate, particularly regarding the Goods and Services Tax (GST) applied to insurance premiums. With rising financial awareness and the increasing need for comprehensive insurance coverage, the government is now considering a …

ULIPs: A Strategic Approach to Portfolio Management and Tax Efficiency In today’s rapidly evolving financial landscape, tax efficiency and smart portfolio management are more important than ever. With increasing taxation on capital gains—whether short-term or long-term—investors need to find ways to optimize their portfolios while minimizing tax liabilities. One often …

Understanding NFOs: Spotting Opportunities and Making Smart Investment Decisions In the world of investing, timing and strategy play a crucial role. While most investors are familiar with Initial Public Offerings (IPOs), fewer understand the potential of New Fund Offers (NFOs) in the mutual fund space. An NFO allows investors to …

Exchange-Traded Funds (ETFs): A Smarter Way to Invest for Cost-Effective and Diversified Growth In the ever-evolving world of investing, efficiency and cost-effectiveness are two of the most critical factors for building a strong portfolio. Exchange-Traded Funds (ETFs) have emerged as one of the most accessible and cost-efficient investment options for …