LiveMint Features EquiRize on Rising Bond Yields and Fixed-Income Allocation

Mumbai, India | September 7, 2026 – EquiRize Securities has been featured in a LiveMint personal-finance article examining the growing relevance of fixed-income investments as India’s 10-year government bond yield approaches 7% amid continued equity-market volatility.

The article, titled “Bond yields near 7%: Should investors shift money to debt instruments amid equity volatility and F&O losses?”, features insights from Imran Khan, Director at EquiRize Securities, on current bond-market conditions, phased fixed-income allocation and the risks investors should consider before investing.

Higher Yields Improve the Relative Appeal of Fixed Income

The LiveMint article notes that India’s 10-year government bond yield was approximately 6.96%, representing an increase of 47 basis points over the preceding year.

According to the insights shared by EquiRize Securities, higher starting yields have improved the relative attractiveness of fixed-income instruments. However, bond prices may still decline if market yields rise further.

The article highlights three developments influencing the current fixed-income environment:

• Starting bond yields have become more attractive.
• Global interest rates remain structurally higher than during the earlier ultra-low-rate period.
• The opportunity cost of maintaining an equity-only portfolio has increased.

EquiRize believes investors should evaluate fixed income as one component of a diversified portfolio rather than treating bonds as a complete replacement for equity.

Phased Investing Can Reduce Interest-Rate Timing Risk

The article explains that waiting for the perfect bond yield can be as difficult as timing the equity market. Investors making a fresh fixed-income allocation may therefore consider deploying their capital in phases instead of investing the entire amount at one yield level.

For a hypothetical ₹10 lakh fixed-income allocation, the approach discussed in the article involves deploying 30–40% initially, another 30–35% if yields move higher and the remaining amount after greater clarity emerges around inflation and Reserve Bank of India policy.

This phased approach may help reduce interest-rate timing risk. The allocation is illustrative and should not be treated as a personalised investment recommendation.

Investment Objectives Should Guide Bond Selection

Investors should distinguish between purchasing a bond to hold until maturity and purchasing one with an expectation of earning capital gains.

An investor who may need to sell before maturity should consider duration and market liquidity carefully. Long-duration bonds can experience meaningful mark-to-market losses if interest rates rise further.

Depending on an investor’s objective, different fixed-income instruments can perform different roles:

• Government securities and Treasury Bills may form part of a credit-quality-focused allocation.
• Higher-rated corporate bonds may provide additional yield while introducing credit and liquidity risks.
• Debt mutual funds may suit investors who prefer professional portfolio management instead of selecting individual bonds.

Quality First, Yield Second

EquiRize Securities emphasized that investors should not select a bond solely because it offers a higher coupon or yield. Investors should evaluate three important risks:

Interest-Rate Risk

If domestic or global market yields rise further, the market price of an existing bond may fall, particularly when the bond has a longer duration.

Credit Risk

Higher yields may be associated with greater issuer or repayment risk. Investors should examine the issuer’s credit rating, financial position, repayment capacity and offer documents before investing.

Liquidity Risk

Unlike a fixed deposit, a corporate bond may not always be easy to sell before maturity at the desired price. Investors should understand the available exit route and the possibility of selling at a gain or loss.

Fixed income can support portfolio diversification, income planning and stability, but every investment should be assessed according to the investor’s objectives, time horizon, liquidity requirements and risk appetite.

About EquiRize

EquiRize Securities is a SEBI-registered Online Bond Platform Provider focused on simplifying access to listed fixed-income opportunities in India.

The platform enables investors to discover and evaluate bonds and fixed deposits through a digital experience supported by issuer information, credit ratings, financial data, product disclosures and risk-related insights.

EquiRize focuses on improving transparency, investor education and informed decision-making across India’s evolving fixed-income investment ecosystem.

Read the complete LiveMint article: Bond yields near 7%: Should investors shift money to debt instruments amid equity volatility and F&O losses?

Disclaimer: This content is intended solely for informational and educational purposes and does not constitute investment advice or a recommendation. Bond investments are subject to credit, interest-rate, liquidity, reinvestment and other risks. Investors should review all relevant offer documents and consult a qualified adviser before making an investment decision.