The message from Budget 2023 is loud and clear: taxation shouldn’t influence your investment decisions. The tax arbitrage of Market Linked Debentures over bonds is gone, and mutual funds no longer offer indexation benefits. Does that mean fixed deposits are the only solution?

Certainly not. While fixed deposits score high on predictability of return, there’s more to it than meets the eye. For example, did you know that investors have lost their capital on fixed deposits? Or that your deposits are insured only up to Rs. 5 Lakhs? Or that mutual funds still provide a different kind of tax benefit?

Join us in this Finesse webinar to explore the changing landscape of fixed-income investing so that you can make safe and smart investment choices!

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ithought is a SEBI Registered Investment Advisor (INA200004276). We offer investment advisory services on mutual funds, financial planning services, and portfolio management services (PMS). To know more about who we are, and what we do, visit our website: or book your appointment.
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Disclaimer: The Video Content has been made available for informational and educational purposes only. This Video Content is not intended to be a substitute for professional advice. Always seek the advice of your financial advisor with any questions you may have regarding your investments. Never disregard professional advice or delay in seeking it because of something you have read or seen on the Internet….(read more)

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The global fixed income market has undergone a significant transformation in the last decade. Historically, fixed income investments were seen as safe and reliable investments for long-term capital growth. But with the changing economic landscape, the nature of fixed income investments has also undergone a shift.

One of the primary factors contributing to this change in the fixed income market is the prolonged period of low-interest rates that most developed economies have experienced since the global financial crisis. This has led to a change in the investment strategies of fixed income funds, resulting in a shift towards higher-risk investments that offer a better yield.

Additionally, with the rise in technological advancements, the fixed income market has experienced an increased degree of innovation. This has led to the creation of new fixed income securities, such as green bonds, social bonds, and sustainable bonds, that investment managers are turning to in an effort to align their investment portfolios with the growing global interest in sustainable investments.

Furthermore, the use of data analytics and artificial intelligence in analyzing credit risk is gaining ground in the fixed income market. These technologies are providing investment professionals with unprecedented insights into credit risk that were previously unavailable, allowing them to make more informed decisions about which fixed income securities to invest in.

The shift towards higher-yielding, riskier investments and the use of innovative investment vehicles, such as sustainable bonds, is changing the traditional landscape of fixed income investing. With these changes, fixed income funds are being forced to diversify their portfolios and re-examine their investment strategies to ensure that they can generate sustainable long-term returns for investors.

However, the shift towards higher-risk investments has also raised concerns about potential losses in case of an economic downturn. Investment managers are constantly evaluating credit risks to mitigate the impact of such events on investors’ portfolios.

Overall, the changing landscape of the fixed income market presents both opportunities and challenges for investors, particularly in meeting the growing demand for sustainable investments. The use of innovative investment strategies, data analytics, and artificial intelligence in mitigating credit risks can provide investors with reliable returns while avoiding unnecessary market exposure.