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Make Money like a bank on IndiaP2P
Many of us believe a bank's fixed deposit to be one of the safest investments available. Have you ever wondered how our investments are managed by banks or other financial institutions (FIs)?
Banks, like other financial institutions, borrow money from the general public in the form of fixed deposits or other market instruments and then lend it to borrowers at a higher interest rate. The difference between the deposit rate and the lending rate is kept by banks and financial institutions.
Furthermore, banks have access to a variety of legal and recovery methods, including but not limited to CIBIL and professional recovery employees, that ordinary people do not have when lending to peers on their own.
Introducing IndiaP2P, a platform that allows consumers to create their own diversified loan portfolio, which is professionally managed like a bank or financial institution, lowering the risk of default and investment losses.
Click here to join our early waitlist.
Author: Ravinder Voomidisingh
Impact of rising interest rates on your investments
Inflation has risen across the globe to become a pain point for policymakers who grapple with rising prices and faltering economic growth. Things seemingly turned worrisome when the Reserve Bank of India (RBI) raised the repo rate by 40 basis points on May 4 and again on June 6. With the growing interest rates, should investors like you need to worry? What should be your strategy towards investment during such times? Let’s find out. First, let us revisit the connection between inflation, interest rate, bond yields etc. Inflation and interest rates are directionally related, i.e. they tend to move along the same trend but with some lag. RBI and other central banks desire positive but manageable inflation rates. A negative inflation rate or deflation means degrowth in the economy because with rapidly decreasing prices, consumers tend to pause/postpone their spends leading to slowdown in economic activity. Fundamentally, the supply and demand...
What is the tax rate on my investment? - June 2022
Many of us are unprepared for the tax payouts applicable to our investments and forget to factor them in. Here's a ready reckoner to help you estimate your 'post-tax returns' and compare investment options. Tax Rates on Your Investments Tax Type Short Term Gains Long Term Gains Equity mutual fund Post-tax earnings are added to your income and taxed as per your individual tax slab. 15% + 4% cess 10% + 4% cess (LTCG >1 year) Debt mutual fund Post-tax earnings are added to your income and taxed as per your individual tax slab. At the tax slab rate of the individual 20% + 4% cess with indexation (LTCG >3 year) Equity Post-tax earnings are added to your income and taxed as per your individual tax slab. 15% 10% over and above Rs. 1 lakh without indexation (LTCG >1 year) Debt Listed At the tax slab rate of the...
How does IndiaP2P offer such high returns with low risk?
How does IndiaP2P offer such high returns with low risk? IndiaP2P’s first-of-its-kind return-risk profile is the result of a unique yet large arbitrage opportunity that exists in the debt markets of emerging economies such as India. First, let’s recap how the equity and debt markets differ. While retail investors have had access to equity investments for long, debt has been gaining in popularity over the last decade. Read on… We all have come across the terms debt and equity quite often. And while we may use them in the same breath, they are actually quite different. Equity is the process of raising capital by selling a portion of shares from the business. For example, you receive a certain amount of capital infusion in your company in the form of equity. This means that you don't have to repay the amount later. However, the investor receives a portion of shares. Hence, they will receive profits in sync with their...
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