The Economic Times Hindi Features EquiRize on Fixed Income, Bonds and Regular-Income Planning
EquiRize Securities has been featured on ET Hindi Pathshala in an educational discussion on fixed income, bonds, regular cash flow and the risks investors should assess before investing.
The Economic Times Hindi episode examines how fixed-income investments work and how investors can look beyond familiarity with fixed deposits when evaluating other debt instruments.
Mohit Gupta, Co-Founder, CTO & CPO at EquiRize Securities, contributes insights on balancing return expectations with liquidity requirements, investment horizons and the underlying risks of each instrument.
Fixed income extends beyond fixed deposits
The discussion explains that fixed deposits, government securities and corporate bonds may all fall within the broader fixed-income universe, but they do not offer identical structures, liquidity or risk characteristics.
Investors should understand how an instrument generates cash flow, when the principal is expected to be repaid and whether the investment timeline corresponds with their financial objective.
Regular income requires planning
A regular-income requirement should begin with the investor’s expected expenses, available capital, time horizon and liquidity needs. Selecting an investment solely because it displays a higher yield may leave important risks unexamined.
A portfolio may require a combination of liquidity, predictable cash-flow scheduling and diversification instead of dependence on a single instrument or maturity date.
Credit ratings do not eliminate risk
The episode also addresses a common misconception around highly rated bonds. A credit rating represents an assessment of relative credit risk; it does not make a bond completely risk-free.
Investors should consider the issuer, rating rationale, maturity, security structure, liquidity, interest-rate sensitivity and suitability for their financial goal.
About EquiRize Securities
EquiRize Securities is a fixed-income investment platform focused on improving access to listed debt opportunities through transparent product information, risk disclosures and investor education.
Watch the complete ET Hindi Pathshala episode:
FD से आगे कहां लगाएं पैसा? Fixed Income, Bonds और Regular Income की पूरी Guide
Disclaimer: This content is intended solely for informational and educational purposes and does not constitute investment advice or a recommendation. Investments in debt securities are subject to credit, market, interest-rate, liquidity and default risks. Returns and regular income are not guaranteed. Investors should review the relevant documents and consult a qualified adviser before investing.
