Fixed Income Securities viz Bonds, Debentures, Corporate Fixed Deposits, Bank FDs, Post Office Saving Schemes , Liquid Funds, Floating Rate Funds, Short Term Funds, Long Term Debt Funds , Corporate Bond Funds, Income Funds , Dynamic Bond Funds, Gilt Securities Funds, Monthly Income Plans and host of similar other fixed income securities are available in the market. The complexities in their selection are enormous. As a result ignorant investors get confused and perplexed as to which financial product suits them. They often land themselves into quandary of mis –selling. Here again Indica Investments with their deep insight into Fixed Income Security Research comes to their help. The research entails the study of the following: i) Investment Objectives ii) Fund Data iii) Portfolio Composition
iv) Sectoral Allocationv) Rating Profile of Certificate of deposits and Commercial papers and Bonds & Debentures. vi) Component of cash in the portfolio. vii) Performance of funds for the past 7 days, 15 days,30days ,1 year,2 years,3 years and since inception viii) Comparison of returns with Benchmark Indices for the above mentioned periods. ix) Dividend History. x) Taxation aspect – Interest Income, Dividend Income, Short term capital gain tax, Long term Capital Gain tax etc. xi) Time frame for investment – Ultra short term i.e. up to 6 months, Short term i.e. up to 1 year, Medium term 1 to 3 years, Long term 3 to 5 years, Very long term 5 to 10 years.