Hazel Calvin


Douglas Greenberg’s New Website Highlights Business Finance & Entrepreneurial Expertise

Douglas Greenberg’s business acumen shines in his new website for Pacific Northwest Advisory.

Money is involved in every aspect of life. Douglas Greenberg is an expert financial advisor whose expertise is woven into every page of the new website for his new business, Pacific Northwest Advisory. The content of the website comprehensively covers all financial needs for individuals, families, and business owners.

As a business owner himself, Douglas Greenberg’s practical experience and extensive financial knowledge is a huge asset for his entrepreneurial clients. The new website for Pacific Northwest Advisory clearly shows how Douglas Greenberg and his trusted team of financial advisors work alongside business owners to help them achieve their unique financial goals.

There are many examples of how Douglas Greenberg has helped business owners in various situations to change their work-life balance while keeping financial priorities in mind. The website for Pacific Northwest Advisory masterfully shares some specific stories in Case Studies pages of the business owner section. Many successful business owners have dedicated their lives to building their businesses. At a certain point, they begin to look for a transition that prioritizes their financial interests while also freeing up their time and energy to begin to enjoy life. Douglas Greenberg and his team provide financial guidance to facilitate this transition smoothly.

For those who are looking for financial advice but aren’t business owners, Douglas Greenberg’s new website also details important financial matters. Individuals and families especially need financial management advice to help reach their goals. Pacific Northwest Advisory helps individuals and families with budgeting and cash flow, managing debt, investment planning and management, planning for retirement, and developing a legacy and estate plan.

Most importantly, the new website for Douglas Greenberg’s financial advisory business, Pacific Northwest Advisory, clearly shows that clients are the priority. Serving clients and all of their financial needs are central to the success of this business.

Douglas Greenberg serves as a fiduciary, working exclusively with business owners providing independent, unbiased guidance. PNWA has created a private company sales process that incorporates valuation, tax planning and modeling of a transaction. Based on an objective view of their needs and incorporating a deep understanding of the business owners’ goals, PNWA creates a customized solution. Prior to forming PNWA, Douglas Greenberg was an Executive Director at Morgan Stanley for 24 years. Douglas Greenberg has been recognized as a top financial advisor by the Financial Times, Barron’s, Forbes and has earned the Certified Investment Management Analyst (CIMA) designation.

Douglas Greenberg holds a B.S. in Business from the University of Texas at Dallas and has studied at both The Wharton School of the University of Pennsylvania and the University of Chicago Booth School of Business.

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What is mind mapping and how can you use it?

Mind mapping can be a significant instrument in the inventive reasoning cycle. A psyche map is a visual reasoning instrument. Ideal for conceptualizing, investigating thoughts. And introducing data in an interestingly visual manner.

Of every one of our faculties, vision is the most significant. As our most prevailing sense, our visual experience is the primary way. That we sort out the world and learn new things. It’s thus clear why so many of us learn through pictures.

As a visual portrayal of your contemplations. It bodes well to utilize mind mapping inside our ordinary working life. As a method of investigating our thoughts. And, in any event, dealing with our work and assignments.

You’d be excused for imagining that mind mapping is a fairly dated cycle. It’s an idea that has been around for quite a long time. Also, it is frequently connected with conventional techniques for note-taking and thought age.

However, with the progressions in innovation throughout the long term. The potential outcomes extend our reasoning power. And deal with our work all the more viably are developing persistently.

Your cerebrum is mind planning each day – you simply don’t understand it

Pause for a minute to consider how your cerebrum functions. When you think of a thought for something. This typically will start different lines of reasoning.

Mind mapping works similarly. While making a psyche map.  You start with a focal thought and afterward add different branches. To every plan to investigate various ideas in more noteworthy profundity.

This is basically what occurs inside your cerebrum. When you permit your psyche to meander. One idea prompts another. Which triggers a relationship in your mind to start further. And also interconnected thoughts.

Mind mapping takes what occurs inside your cerebrum. And transforms them into something substantial, using a particular blend of shading. Then symbolism, and visual-spatial attention to dominating creative minds. And innovative reasoning abilities.

For example, your memory, capacity to learn. However, even issue settlement would all be able to be improved through the force of mind mapping.

Dive into the link to explore a better mind mapping app.

It’s the initial phase in the advancement cycle

Each incredible business achievement starts as a thought. That thought can emerge from one imaginative flash of motivation. Moreover, even a group of individuals working together with the real world. That’s why the mind mapping app is better for this.

In this advanced age, it’s getting perpetually hard to stand apart from the group. As contenders utilize new and intriguing approaches to connect with and energize clients.

It’s hence indispensable for organizations to search for one-of-a-kind encounters. That commands the notice of their crowd. However, offer them something that impacts them. Including creative scholars inside your group is an enormous resource.

Notwithstanding, making a mind mapping is an incredible route for you. To catch your thoughts when they come to you. You would then be able to return to your brain map. When you have more opportunity to investigate these thoughts in additional detail. Which may simply prompt your next light second.

How could mind planning help improve my everyday work?

Mind mapping is thought age at its center; consequently. It’s something that can be utilized in an entire scope of various circumstances. From arranging your next advertising effort to introducing your most recent report information in a fascinating and connecting way.

Making mind mapping for a work project permits you to track any innovative arrangements. Then you may have a specific part of your work. And separate these utilizing branches to additionally investigate these arrangements.

Last Thought

At last, you would then be able to keep this bank of thoughts to hand at whatever point you need.  A groundbreaking plan to keep your work new. It’s basic for innovative squares to occur.

Regardless of your field of work. When confronted with a test. It tends to be critical to make a stride back and evaluate the circumstance from an alternate point. Adding your plans to a mind mapping normally permits your brain. To consider a scope of conceivable outcomes. That may somehow or another have been left undiscovered.

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Why Choose Moneylender Singapore Financing For Your Company

Compared to investors, a moneylender Singapore company is never ever going to interfere with just how your organization is managed. If you find a capitalist, you will need to function along with them. And unless they’re a silent affiliate, they will anticipate to have a say in how their cash is invested by the organization. Meanwhile, moneylenders don’t care what you do with the money provided that you’re going to be able to settle the balance with extra interest. What takes place in between now and then is entirely approximately you. So, if you intend to maintain complete management over your organization and just how it grows and beefs up, a company loan is normally the best choice.

A financing tool for development

Probably the most evident factor to think about a small organization loan is to purchase a growth possibility for your business. When organization is flourishing, continuing to grow your company can help make sure that your earnings don’t stagnate or shrivel.

Obviously, additional development has lots of expenses, such as advertising, brand-new real estate, building improvements, and boosting team sizes, and it’s unlikely you’ll have the money on hand to cover everything unless you take it from the funds that maintain your business operational.

Loans can help you cover the costs of growing your organization without devouring your operational funds, to ensure that you can continue to impress clients while growing your organization.


  • Smaller sized loan quantities– If you need only a small quantity, such as ₤ 15,000, then an unsecured loan makes good sense especially if you’ve real estate and don’t want to expose it to the threat of foreclosure.
  • Adaptable repayment periods– unsecured loans can have any repayment period, up to around 5 years. The lengthier the loan period, the lesser the interest rate you’ll be billed on the loan.
  • Good for those currently trading– as the loan is unsecured, the loan provider will examine it against your organization’s trading position. They will also perform background inspections such as your credit history, cash flow position, annual report, money reserves and might request a personal assurance versus the loan.
  • Faster to obtain– unsecured loans for modest amounts are speedier to get approved, with fewer procedures and legal headaches.
  • Lower property direct exposure– no requirement to set up real estate as security and couple of admin expenses.


  • Can be harder to access– if you do not have a strong trading position, it can be hard to get a big unsecured loan.
  • Bad for huge amounts– loan providers typically will not lend more than around $25,000 as an unsecured loan even to a strong company, and loans higher than $40,000 are really uncommon.

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A Few Good Reasons to Prefer a Local Mortgage Lender

Looking for the best mortgage loan is not just about finding a lender who is offering you the best interest rate, but also it is important to ensure how comfortable you are with that particular company that is offering you loan.

As such, the mortgage process remains almost the same across various lenders. However, a few differences here and there can affect the fees that you may be charged and the kind of service you will receive. These factors are worth considering while shopping around for mortgage lender.

Home buying is probably the largest purchase that most of us will make in our lifetime. Therefore, while choosing the right lender for a mortgage it should not be chosen just by looking at a very low interest rate as compared to many others.

You may find mortgage lenders in many different sizes and shapes, while you may be quite familiar with a Seattle mortgage lender where people are quite well known to you. Although these days’ online lenders offer lots of convenience that may sound appealing, however, there are many reasons to go for a local mortgage lender that may be your good option.

How can you find your best mortgage lender?

As mentioned before, these days it has become much easier than before to find a mortgage lender. If you Google search, you will find many mortgage lenders have put on very aggressive advertisements.

You can also contact your bank or credit unions, if you have your accounts with them that are also good places to search for mortgage loan, as they may offer a special rate and fees for their customers.

Another way could be by talking to your friends and a few real estate professionals who will be ready to offer references. You may get a good suggestion from them as they usually deal with many clients and help in getting their loan.

The following are a few sources of getting your mortgage loans

1.     Conventional banks

Banks are the traditional mortgage loan source. You can apply online or in person and it will be processed accordingly. If you have your account in the same bank then you may get a certain preference.

2.     Credit unions

You must be a member of the credit union to obtain a mortgage loan. You may also have any family member as a member, who may be living in that area or may be connected with them. Often people prefer credit unions due to members-only deals.

3.     Nonbank mortgage lenders

A few companies also offer their services online and they specialize in only mortgage loans or few other types of loans. One plus point is they work with great speed. Also, if your credit rating is not too good then they can offer you a few options.

4.     Mortgage brokers

A mortgage loan through this route may cost you more as brokers also charge their commission that you will have to pay. You must do a review and compare their brokerage fees charged with other options.

While looking for your mortgage lender it is always better to go for a local mortgage lender because of the following reasons:

1.     Local knowledge

Most local mortgage lenders being an active part of that community must be living in the same communities where you want to live. Hence, they understand the local landscape and also know the real estate trends.

2.     Local decisions

Any local lender will always be well familiar with the local market and have their underwriters, which will allow them to easily approve loans. They are also well connected to many other resources, e.g. title companies and appraisers, etc.

3.     Personalized service

By working with any local mortgage lender, the lender may meet you in person and will take a little time to know you and also your financial situation. Thus, you can get the mortgage matched with your requirement.

There is always value in selecting a mortgage lender who is familiar with the area where you are buying your home. They also are aware of local market conditions. You can always contact them personally and get good help during your home buying process.

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Why should you set the correct IDV for comprehensive car insurance policies?

Four-wheeler insurance is mandatory for all vehicles in India. If you are caught driving an uninsured car, you need to pay a fine for violating the country’s laws. Precisely the reason why most of us buy insurance. However, car insurance goes beyond abiding by the vehicle laws of the country.

It offers you financial security if you incur monetary expenses or liability arising out of the vehicle. It covers your financial penalties if your car gets damaged, stolen, or destroyed owing to natural or human-made calamities. It handles your third-party liabilities if the vehicle causes injuries or damage to the third-party person or asset. You also receive compensation if the accident results in your disability or death.

Broadly, you can either buy a third-party or comprehensive insurance plan. The third party covers you against third-party legalities arising from your car. On the other hand, you receive broader coverage under a comprehensive plan by including add-ons.

Which is the ideal plan for your car?

The ideal car policy is the one that provides adequate coverage to pay off the financial liabilities arising out of your car without paying costly premiums. You need to strike the right balance between insurance coverage and premiums.

Thus, before buying the car insurance policy, you should thoroughly analyse the coverage you will receive for your premiums. Use the insurance calculator to know the premium of the plan accurately. You can find the instrument easily online and check different premiums offered by other insurers.

The auto insurance calculator considers parameters like insurance type, car details, geographic location, add-ons, and the IDV for determining the policy premium. The IDV is the biggest factor that influences the premiums of the comprehensive policy.

What is IDV?

The Insured Declared Value is the maximum sum insured amount fixed by the insurance company. It is the maximum claim amount that your company agrees to pay under the insurance policy if your vehicle gets damaged due to an unforeseen accident. In case of theft or a total loss, the insurer pays you the entire IDV as decided when buying the insurance. The IDV gets determined based on the current market value of your vehicle.

This is because the value of your car starts depreciating as soon as it moves out from the showroom. Even if the vehicle is as good as new after a year, it suffers depreciation owing to its age. Depreciation is considered an estimated reduction in the vehicle value following its age. The higher the age of the vehicle, the higher depreciation on it.

The calculation of IDV is as follows:

IDV = Selling price of the car as listed by the manufacturer – Depreciation depending on the age of the vehicle

Now, the IDV differs between insurers. Hence, it is essential to check them before you buy offline or online car insurance. Meanwhile, the depreciation for older cars is fixed for up to five years.

Why decide the correct IDV?


The IDV of the vehicle is directly proportional to the premiums of the comprehensive policy. The higher the IDV of the insurance plan, the higher will be the premiums. Therefore, opt for an IDV amount that does not result in an expensive insurance premium.

Maximum claim amount

The IDV is the maximum claim amount that the insurance company pays if your car witnesses’ complete loss or gets stolen. If you opt for a lower IDV, the claim amount might be insufficient to cover the actual cost. So, choose a comprehensive policy with an IDV, which is sufficient to cover the losses of the car.

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The Key Players Involved In Credit Card Processing

Accepting payments almost certainly means processing credit cards. But how much do you know about the process after your customer clicks the ‘pay’ button? The payment is routed through many systems in the milliseconds that follow. If it is successful, the customer can go about their business, but if it isn’t, it can be frustrating for everybody.

The more you know about credit card processing, the more control you have over its outcome.

Key Players


A bank cardholder obtains a credit or debit card from a card issuing bank. They then present the card to a merchant to pay for goods or services.

Issuing Bank (Cardholder Bank)

An issuing bank issues credit cards to consumers. The issuing bank is also a member of payment card associations such as Visa and MasterCard card. They transfer funds to the acquiring banks for purchases that their cardholders make. Afterwards, the cardholder is responsible for repaying their issuing bank according to the agreement they signed.

Card Associations (Visa and MasterCard)

Visa and MasterCard aren’t banks. Instead, they function as the governing body of a community of financial institutions, ISOs and MSPs that work together in association to support credit card processing and electronic payments.


Merchants are businesses that maintain merchant accounts that allow customers to pay them with credit or debit cards for goods or services provided.

Acquiring Bank (Merchant’s Bank)

Often referred to as a merchant bank, acquiring banks contract with merchants to create and maintain accounts (called merchant accounts) that allow the business to accept credit and debit cards. Acquiring banks provide merchants with equipment and software necessary for accepting credit cards as well as handling customer service concerns regarding card acceptance. They also deposit funds from credit card sales into a merchant’s account.

To conduct and monitor the day-to-day activities of their merchant accounts, acquiring banks often enlist the help of third-party independent sales organizations (ISO) and membership service providers (MSP).

How Does Credit Card Processing Look In Motion?


  1. Cardholders present their cards (or other secure methods) to merchants in exchange for goods and services.
  2. An authorization request is sent to the payment processor by the merchant.
  3. The payment processor submits the transaction to the card association, eventually reaching the issuing bank.
  4. Authorization requests are sent to the issuing bank, which includes parameters such as CVV, AVS validation, and expiration date.
  5. The issuing bank approves or declines the transaction.
  6. Once the approval or denial status has been determined, the issuing bank forwards it to the card association, the merchant bank, and then to the merchant.

Settlement and Funding

  1. Batches of authorized transactions are sent by the merchant to the payment processor.
  2. Transaction details are passed to the card associations by the payment processor. They then communicate the appropriate debits with the issuing banks in their network.
  3. Cardholders have their accounts charged by the issuing bank for the amount of the transaction.
  4. The issuing bank then transfers the funds for the transaction to the merchant bank, minus interchange fees.
  5. Money is deposited into the merchant’s account by the merchant bank.
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5 Benefits of Using a Mobile Banking App

The development of mobile applications has transformed the way the banking industry operates today. A mobile banking app is good enough to offer important benefits such as:

  1. Access your bank accounts on a single platform

There are only a few banking apps that enable you to access multiple savings accounts on their platform, and manage them by transferring money from one account to another or making payments. The user-friendly tools on the app offer an option, which may be something similar to ‘transfers’. To link external bank accounts, you are required to add a new account by selecting the option and providing essential bank information. After the verification, you can have the link validated, and use it to access your account to make payments and check the balance.

  1. Manage your finance

An online banking app can help build trust by customizing services to the customers’ needs. It helps them with unique money-saving tools that can take care of their financial future. The ‘invest’ option offers you to make investments in mutual funds, either in equity funds or debt funds. It gives you a range of direct investment options like small-cap, mid-cap, large-cap, index, thematic and multi-cap equity funds. Other than the debt mutual funds, which include short-term, liquid, income and dynamic bond funds, you can also invest in hybrid mutual funds through a systematic investment plan (SIP).

The app also facilitates stock trading through a 3-in-1 account of savings, Demat and trading account. You can invest in currency, equity and commodities using this account. The other investment options are depositing your money in fixed or recurring account for a fixed interest rate.

  1. Make Bill Payments

One among the few easiest ways of making payments is through a mobile bank application. The adoption of QR codes for quick payments has led to its widespread usage by several people. With an online banking app, you can pay your credit card bills instantly by using a BHIM app or UPI-enabled app. You have to just enter the credit card details and the specific amount in the ‘Payments’ option, open the UPI-enabled app, scan the code and make the payment.

Making a bank credit card payment through the UPI QR code is highly secured and reliable for there is hardly any chance for error.

  1. Avail Instant Personal loans

Mobile applications have eased the personal loan process with minimal documentation. The option ‘Loans’ helps you to choose any types of loans from personal to motor vehicles, smart devices and household items. The application process is simple by providing personal details and uploading supporting documents. Instant personal loans are offered at a lower interest rate in a few hours, without any collateral security. However, you should have a good credit history.

  1. Quick and Timely Support

The use of mobile banking apps has helped improve customer relationships for most banks. The use of AI-powered chatbot in the app facilitates the user by having quick and timely assistance anytime. The smart features such as push notifications and alerts remind customers or bring to their notice unusual account activity or low balance, which trigger an action.

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Why Is Foreign Exchange Risk Management Essential?

For businesses operating across borders, it is a priority to assess the degree of Foreign Exchange risk that the organization is exposed to. Ignoring FX management is one of the most expensive mistakes a company can make. Increased trade flows, outbound M&A growth opportunities, expansions, and access to foreign currency (FCY) borrowings subject corporations to fluctuating FX rates. Impacting different areas of the balance sheet and cash flows in various ways, quantum, and frequency, these activities can have a material impact on a company if they aren’t managed properly.

What is FX Risk Management?

Foreign Exchange Risk Management policy, also known as FX Hedging Strategy, refers to any of the measures devised by companies or investors to shield the value of their cash flows, assets, or liabilities from unfavorable exchange rate fluctuations.

The markets are constantly changing, and volatility can have a significant impact on your company’s bottom line without warning. Without an FX risk management plan, you will only be able to act after the damage has been done, and some of your initial response time will most likely be spent strategizing on how to respond properly.

Why do you need a Foreign Exchange Risk Management policy?

In the absence of an FX management policy, a business is unprepared to control the possible negative consequences of currency movements, which could result in higher costs, decreased market share, and lower profit margins. Companies should develop and document a policy statement that outlines the company’s attitude, goals, and acceptable responses when handling FCY foreign currency exposures in order to prevent these negative outcomes.

How to build an effective FX risk management policy

An effective policy requires a clear corporate strategy and objectives. It should begin with the identification of what key metrics can demonstrate the successful execution of a strategy to its stakeholders.

It should include:

  • Your business’s foreign exchange risk capacity and timeframes.
  • Risk mitigation tools your organization will use.
  • A company’s decision-makers for FX risk.
  • A robust system for managing currency risks on an ongoing basis.
  • Strategic planning over the long-term (as opposed to daily developments).
  • FX risk management measures and actions that can be shared with a team so the burden is not solely on one individual.

Recognizing that reducing currency volatility to zero is both unrealistic and impossible, FX managers must prioritize the risks and implement a policy and strategy that aligns with the corporate’s target goals, view, risk tolerance, and budget.

If businesses and the operating environment transform, so should risk management policies to ensure they are fit for purpose and contribute to the maximization of shareholder value.

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How to invest at different life stages to target your goals

Change is inevitable. We all through different life changes and so do the people surrounding our professional and personal lives. After every few years, the priorities in our life change but one need always remains constant in most scenarios, the need to create wealth. Our need to create wealth constantly reminds us to keep saving and investing in different investment avenues to create long term wealth through adequate diversification.

To understand how you can invest your finances appropriately at different life stages, continue reading:

Young professional (High risk appetite)

Someone who has recently graduated and have kickstarted their professional career, such individuals generally do not have liabilities or responsibilities and can take risk with their finances. A young individual can invest in stocks or equity mutual funds keeping a long term investment horizon in mind. Equity funds are a high volatile investment but generally offer decent returns over the long term. If you are saving 50% of your income, you should invest at least 30% of it in equity. At this point of time, one can avoid considering conservative schemes. Small caps and ELSS can be ideal for investment at this stage in life.

Happily, ever after

When you enter marriage and exit adulthood, your responsibilities increase, and this is the phase when you may face financial difficulties. What is better to do is to discuss all the financial responsibilities and divide them with your spouse. Then you can evaluate your existing wealth, consider the new liabilities, evaluate your existing investments, and then reshuffle your investment portfolio such that investing every month doesn’t affect your monthly expense budget. Living live as a young professional with roommates is different than living with your spouse and sharing responsibilities.

Starting a family

This is the stage in your life where you probably would want to reconsider your risk appetite and add / subtract investment schemes from your portfolio. If you are a parent or parent to be, there will be several expenses including frequent visits to the doctor. However, it is essential that you ensure that you save at least 30% or your total earnings. When investing at this stage, you may have to change your investing to goal based investing. If you are planning to have a child, you will have to start building a corpus that will take care of their nurture and upbringing. Goal based investing is recommended at this point of time as you will have start saving enough to take care of their school and college education fees.

Saving for your golden years

Once your children are old enough to take care of themselves, you enter the stage or are near to retirement. Retirement is something which every hard working individual looks forward to as they are free from all the responsibilities and want to spend the rest of their days tension free. By the time you near retirement you might have built a decent corpus to help you take care of all your expenses. Since you won’t be earning anything, you won’t be able to save and mostly will be living on a fixed budget. Ensure that you learn to keep your expenses to minimum so that you have enough corpus to tackle life’s unforeseen exigencies.

If you smartly invest at different stages of life and wisely utilize your money you will never run out of money. Diversifying your investment portfolio with mutual funds can be a good idea and as your responsibilities increase you can decrease your investments in equities and increase your investments in debt. If you adequately diversify your investment portfolio you might be able to create wealth at every stage of your life.

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Investment portfolio of a debt scheme doesn’t get affected by equity markets. Here’s why

There are several mutual fund types each of which have a unique investment objective and asset allocation strategy. Those who are new to mutual funds, they might find it quite tasking in choosing the right type of scheme. This why it is better to do some research and understand the qualities and features of all fund types before making an investment decision.

Most financial advisors recommend investors to make a financial plan. The very first and important step of financial planning is determining your life’s immediate as well as long term goals. Having a clear perspective might help investors with a clear investment objective. If you carry some risk appetite and do not mind investing your money in market linked schemes, you can consider investing in mutual funds. But not all mutual funds invest in the stock market and it is necessary for people to get this notion out of their thought.

If you wish to earn returns by investing in mutual funds but do not want to expose your finances to market volatility, you can consider adding debt funds to your investment portfolio.

What is a debt mutual funds?

Out of the many mutual fund categories, equity and debt funds are some of the most sought after investment avenues. While equity scheme invest majority of its investible corpus in equity and equity related instruments, debt funds are mutual funds that aim at generating capital appreciation by investing in fixed income securities. The debt fund manager builds a portfolio of fixed income securities that generally have a short maturity period. The investment objective of most debt fund is to offer stable returns with minimum investment risk.

Investment portfolio of a debt scheme doesn’t get affected by equity markets. Here’s why

Depending on the investment objective and asset allocation strategy, the underlying securities of a debt fund may vary. For example, a liquid fund invests in securities that mature within 91 days. A short term fund invests in fixed income securities and money market securities such that the duration of the fund portfolio is between 1 and 3 years. Some of the debt securities and money market instruments in which a debt fund invests are treasury bills, government bonds, commercial papers, debentures, GOI securities, cash, and cash equivalent etc.

Debt funds aren’t entirely risk free. Yes, it is true that the underlying securities that comprise of a debt fund portfolio doesn’t get affected by the fluctuations in the stock market. That is because debt funds do not invest in equity and equity related instruments. However, they do invest in fixed income securities and debt instruments that are prone to interest rate risk and credit risk. A debt fund which invests in AA- or other low credit rating bonds may get affected if the company isn’t able to repay credit on time. A spike in interest rates can affect the performance of debt instruments as well.

Debt funds are ideal for those who have an investment horizon of 12 to 24 months. Investors can either make a lump sum investment or start a monthly SIP in a debt scheme of their choice. Systematic Investment Plan (SIP) is the simplest way of investing a fixed sum at regular intervals in debt funds. SIPs are also ideal for anyone who wish to inculcate the discipline or systematic and regular investing. Retail investors can also refer to SIP calculator, a free online tool that let’s you determine the gains that you may receive at the end of your SIP investing journey.

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