Are bonds better than stocks? Fixed Income investing explained

Discover the essential role of fixed income assets like Fixed Deposits (FDs) and bonds in a well-balanced investment portfolio in India. In this video, we speak with Lakshmi Iyer, Group President – Investments at Bajaj Finserv, who breaks down complex concepts using simple, relatable analogies from Indian culture and movies, making it easy for you to understand how these assets can protect and stabilize your portfolio.

00:00 – Highlights
03:27 – Introduction
04:22 – FD, Bonds, and Mutual Funds Analogy
06:17 – Major Risks and How to Avoid Them
10:33 – Listed vs. Unlisted Bonds
12:59 – Feasibility of Passive Income Strategy
15:06 – Why FD Rates Vary Across Banks
17:37 – Alternatives to Savings Accounts
19:24 – Role of Tenures and Yields
21:50 – Optimizing Tax Savings
22:51 – Investment for Emergency Funds
23:57 – Case Study: Asset Allocation by Life Stage
27:12 – Risk-Taking Ability with Age
29:17 – Fixed Income for Regular Payouts
30:40 – Evaluating Fintech Platforms and High-Yield Bonds
33:08 – High-Yield FD’s and Regulatory Risks

Learn the key differences between FDs, bonds, and debt mutual funds, and uncover the primary risks associated with fixed income investing in India, including credit risk and liquidity risk. Lakshmi also discusses what to look for when researching corporate bonds and explains why different banks offer varying FD rates. This video explores strategic investment options beyond a basic savings account, such as liquid funds and money market funds, which can help your money work harder for you.

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