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<title>Blogosm &#45; Ravi fernandes</title>

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<link>https://blogosm.com/rss/author/ravi-fernandes</link>

<description>Blogosm &#45; Ravi fernandes</description>
<dc:language>en</dc:language>

<dc:rights>Copyright 2020 to 2026 Blogosm &#45; All Rights Reserved.</dc:rights>



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<title>Can You Have Multiple Fixed Deposit Accounts? Everything You Should Know</title>

<link>https://blogosm.com/can-you-have-multiple-fixed-deposit-accounts-everything-you-should-know</link>

<guid>https://blogosm.com/can-you-have-multiple-fixed-deposit-accounts-everything-you-should-know</guid>

<description><![CDATA[ Emergency Cash Without Big Penalties: If you put all your money in one big deposit and suddenly need a small amount for an emergency, you have to break the whole account and pay penalty fees on the full sum. ]]></description>


<pubDate>Thu, 20 Aug 2026 14:12:47 +0530</pubDate>

<dc:creator>Ravi fernandes</dc:creator>

<media:keywords>multiple, fixed, deposit, accounts, everything, should, know</media:keywords>


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<title>Non&#45;Cumulative Fixed Deposits: A Smart Choice for Regular Income</title>

<link>https://blogosm.com/non-cumulative-fixed-deposits-a-smart-choice-for-regular-income</link>

<guid>https://blogosm.com/non-cumulative-fixed-deposits-a-smart-choice-for-regular-income</guid>

<description><![CDATA[ If you need help covering monthly groceries, go with monthly payouts. If you have quarterly school fees or annual insurance premiums, you can align your payouts to match those dates. ]]></description>


<pubDate>Thu, 13 Aug 2026 17:32:23 +0530</pubDate>

<dc:creator>Ravi fernandes</dc:creator>

<media:keywords>non, cumulative, fixed, deposits, smart, choice, regular, income</media:keywords>


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<title>Latest Post Office FD Interest Rates for Senior Citizens in 2026</title>

<link>https://blogosm.com/latest-post-office-fd-interest-rates-for-senior-citizens-in-2026</link>

<guid>https://blogosm.com/latest-post-office-fd-interest-rates-for-senior-citizens-in-2026</guid>

<description><![CDATA[ The post office fd, on the other hand, offers the exact same rates to everyone across all age groups. Why I Still Recommend It for Senior Citizens Even without... ]]></description>


<pubDate>Wed, 12 Aug 2026 18:05:27 +0530</pubDate>

<dc:creator>Ravi fernandes</dc:creator>

<media:keywords>latest, post, office, interest, rates, senior, citizens, 2026</media:keywords>


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<title>Key Features of Floating Rate Bonds That Enhance Portfolio Stability</title>

<link>https://blogosm.com/key-features-of-floating-rate-bonds-that-enhance-portfolio-stability</link>

<guid>https://blogosm.com/key-features-of-floating-rate-bonds-that-enhance-portfolio-stability</guid>

<description><![CDATA[ Usually, these rates reset every few months. On each reset date, a new payout is calculated by adding a small extra percentage to the current benchmark rate. ]]></description>


<pubDate>Tue, 11 Aug 2026 15:31:57 +0530</pubDate>

<dc:creator>Ravi fernandes</dc:creator>

<media:keywords>key, features, floating, rate, bonds, enhance, portfolio, stability</media:keywords>


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<title>Capital Gains Tax on Bonds: A Beginner&amp;apos;s Guide for Investors</title>

<link>https://blogosm.com/capital-gains-tax-on-bonds-a-beginners-guide-for-investors</link>

<guid>https://blogosm.com/capital-gains-tax-on-bonds-a-beginners-guide-for-investors</guid>

<description><![CDATA[ They are issued by trusted, government-owned companies, which means they come with top-tier safety ratings. Because the risk of losing your principal is extremely low, they stand out as one of the most reliable fixed-income investments available. ]]></description>


<pubDate>Fri, 07 Aug 2026 13:26:54 +0530</pubDate>

<dc:creator>Ravi fernandes</dc:creator>

<media:keywords>capital, gains, tax, bonds, beginner, guide, investors</media:keywords>


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<title>When Should You Invest in 54EC Bonds After Selling an Asset?</title>

<link>https://blogosm.com/when-should-you-invest-in-54ec-bonds-after-selling-an-asset</link>

<guid>https://blogosm.com/when-should-you-invest-in-54ec-bonds-after-selling-an-asset</guid>

<description><![CDATA[ Acting early ensures absolute compliance and eliminates last-minute panic. Balancing Cash Flow and the Five-Year Lock-In Another vital factor to weigh is how these financial instruments function over time. ]]></description>


<pubDate>Thu, 06 Aug 2026 18:10:53 +0530</pubDate>

<dc:creator>Ravi fernandes</dc:creator>

<media:keywords>should, invest, 54ec, bonds, after, selling, asset</media:keywords>


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<title>Should You Invest in High Yield Corporate Bonds During an Economic Downturn?</title>

<link>https://blogosm.com/should-you-invest-in-high-yield-corporate-bonds-during-an-economic-downturn</link>

<guid>https://blogosm.com/should-you-invest-in-high-yield-corporate-bonds-during-an-economic-downturn</guid>

<description><![CDATA[   People usually call them junk bonds for a reason. They’re issued by companies with lower credit ratings, and since their chances of defaulting tick higher during a recession, they have to bribe lenders with massive coupon payouts. ]]></description>


<pubDate>Wed, 05 Aug 2026 17:47:18 +0530</pubDate>

<dc:creator>Ravi fernandes</dc:creator>

<media:keywords>should, invest, high, yield, corporate, bonds, during, economic, downturn</media:keywords>


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<title>Sovereign Gold Bonds Explained: Interest, Tenure, and Redemption</title>

<link>https://blogosm.com/sovereign-gold-bonds-explained-interest-tenure-and-redemption</link>

<guid>https://blogosm.com/sovereign-gold-bonds-explained-interest-tenure-and-redemption</guid>

<description><![CDATA[ However, the structure is surprisingly accommodating if your financial needs shift.  The RBI provides an official exit window starting from the fifth year, allowing you to redeem the bonds on any scheduled interest payment date. ]]></description>


<pubDate>Wed, 29 Jul 2026 17:15:45 +0530</pubDate>

<dc:creator>Ravi fernandes</dc:creator>

<media:keywords>sovereign, gold, bonds, explained, interest, tenure, redemption</media:keywords>


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<title>A Beginner&amp;apos;s Manual to Buying Corporate Bonds Online and Offline</title>

<link>https://blogosm.com/a-beginners-manual-to-buying-corporate-bonds-online-and-offline</link>

<guid>https://blogosm.com/a-beginners-manual-to-buying-corporate-bonds-online-and-offline</guid>

<description><![CDATA[   Completing the setup: You must ensure your KYC is fully updated, as this is the standard gateway for all financial transactions. ]]></description>


<pubDate>Fri, 24 Jul 2026 15:52:45 +0530</pubDate>

<dc:creator>Ravi fernandes</dc:creator>

<media:keywords>beginner, manual, buying, corporate, bonds, online, offline</media:keywords>


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<title>Masala Bonds Explained: Meaning and Benefits</title>

<link>https://blogosm.com/masala-bonds-explained-meaning-and-benefits</link>

<guid>https://blogosm.com/masala-bonds-explained-meaning-and-benefits</guid>

<description><![CDATA[ For a long time, the barrier to entry was just too high for the average person. Now, the ability to buy bonds online has completely flipped the script. ]]></description>


<pubDate>Mon, 13 Jul 2026 13:57:58 +0530</pubDate>

<dc:creator>Ravi fernandes</dc:creator>

<media:keywords>masala, bonds, explained, meaning, benefits</media:keywords>


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<title>Why Yield to Maturity Matters for Bond Investors</title>

<link>https://blogosm.com/why-yield-to-maturity-matters-for-bond-investors</link>

<guid>https://blogosm.com/why-yield-to-maturity-matters-for-bond-investors</guid>

<description><![CDATA[ Why YTM is a Vital Investment Metric For me, YTM is not just a theoretical number; it is a vital tool for decision-making. ]]></description>


<pubDate>Fri, 10 Jul 2026 16:47:30 +0530</pubDate>

<dc:creator>Ravi fernandes</dc:creator>

<media:keywords>why, yield, maturity, matters, bond, investors</media:keywords>


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<title>Best Capital Gain Bonds for Tax Planning</title>

<link>https://blogosm.com/best-capital-gain-bonds-for-tax-planning</link>

<guid>https://blogosm.com/best-capital-gain-bonds-for-tax-planning</guid>

<description><![CDATA[ Investment Caps: I keep in mind that the total amount one can invest in these bonds is capped at ₹50 lakh in a single financial year. ]]></description>


<pubDate>Thu, 09 Jul 2026 18:00:18 +0530</pubDate>

<dc:creator>Ravi fernandes</dc:creator>

<media:keywords>best, capital, gain, bonds, tax, planning</media:keywords>


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<title>A Complete Guide to Corporate Bond Categories in India</title>

<link>https://blogosm.com/a-complete-guide-to-corporate-bond-categories-in-india</link>

<guid>https://blogosm.com/a-complete-guide-to-corporate-bond-categories-in-india</guid>

<description><![CDATA[ For instance, the choice between secured and unsecured bonds is fundamental. Secured bonds offer a layer of safety because they are backed by tangible assets, which gives me peace of mind during uncertain periods. ]]></description>


<pubDate>Fri, 26 Jun 2026 16:06:33 +0530</pubDate>

<dc:creator>Ravi fernandes</dc:creator>

<media:keywords>complete, guide, corporate, bond, categories, india</media:keywords>


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<title>Secured Bonds Explained: Safety &amp;amp; Investment Benefits</title>

<link>https://blogosm.com/secured-bonds-explained-safety-investment-benefits</link>

<guid>https://blogosm.com/secured-bonds-explained-safety-investment-benefits</guid>

<description><![CDATA[ assets if the company failed? A bond backed by prime commercial property feels very different to me than one backed by highly specialized machinery that might be difficult to move in a down market. ]]></description>


<pubDate>Mon, 22 Jun 2026 12:44:45 +0530</pubDate>

<dc:creator>Ravi fernandes</dc:creator>

<media:keywords>secured, bonds, explained, safety, investment, benefits</media:keywords>


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<title>RD or SIP: Which Investment Suits Your Goals Better?</title>

<link>https://blogosm.com/rd-or-sip-which-investment-suits-your-goals-better</link>

<guid>https://blogosm.com/rd-or-sip-which-investment-suits-your-goals-better</guid>

<description><![CDATA[ That’s the secret to an SIP—you have to get comfortable with the fact that it’s going to be a bumpy ride. Once I stopped checking the daily fluctuations and started looking at the five-year outlook, it finally clicked. ]]></description>


<pubDate>Thu, 18 Jun 2026 15:06:09 +0530</pubDate>

<dc:creator>Ravi fernandes</dc:creator>

<media:keywords>sip, which, investment, suits, goals, better</media:keywords>


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