With interest rates constantly in the spotlight, understanding the fixed income dynamics is now more critical than ever. We are delighted to share an article by ๐—ฆ๐—ถ๐—น๐˜ƒ๐—ฒ๐—ฟ๐—ฑ๐—ฎ๐—น๐—ฒ ๐—™๐˜‚๐—ป๐—ฑ๐˜€, CIO, Sanjay Guglani, recently published in Namaskar (H1 2014) by Singapore Chapter of The Institute of Chartered Accountants of India; titled “๐—•๐—ผ๐—ป๐—ฑ๐˜€ ๐—ฎ๐—ฟ๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐˜ƒ๐—ฒ๐—ฟ: ๐—จ๐—ป๐—ฑ๐—ฒ๐—ฟ๐˜€๐˜๐—ฎ๐—ป๐—ฑ๐—ถ๐—ป๐—ด ๐—™๐—ถ๐˜…๐—ฒ๐—ฑ ๐—œ๐—ป๐—ฐ๐—ผ๐—บ๐—ฒ ๐—ข๐˜‚๐˜๐—น๐—ผ๐—ผ๐—ธ ๐—ฎ๐—ป๐—ฑ ๐—ข๐—ฝ๐—ฝ๐—ผ๐—ฟ๐˜๐˜‚๐—ป๐—ถ๐˜๐—ถ๐—ฒ๐˜€”.

In this article, Sanjay Guglani unravels the drivers of interest rates volatility, explores the future of the fixed income investments, and highlights the strategies to capitalize on the current market environment.

Executive Summary

* ๐—•๐—ผ๐—ป๐—ฑ ๐˜†๐—ถ๐—ฒ๐—น๐—ฑ ๐—ถ๐˜€ ๐——๐—ฒ๐˜€๐˜๐—ถ๐—ป๐˜†: In the short run, the direction of interest rates drives bond markets, but in the long run, it is the starting yield that really matters.

* ๐—Ÿ๐—ผ๐—ฐ๐—ธ-๐—ถ๐—ป ๐—ฝ๐—ฟ๐—ฒ๐˜ƒ๐—ฎ๐—ถ๐—น๐—ถ๐—ป๐—ด ๐—ฒ๐—น๐—ฒ๐˜ƒ๐—ฎ๐˜๐—ฒ๐—ฑ ๐˜†๐—ถ๐—ฒ๐—น๐—ฑ๐˜€: Donโ€™t miss the forest for the tree โ€“ the prevailing interest rates are high and should be โ€˜locked-inโ€™.

* ๐—™๐—ถ๐˜…๐—ฒ๐—ฑ ๐—ง๐—ฒ๐—ป๐˜‚๐—ฟ๐—ฒ ๐—™๐˜‚๐—ป๐—ฑ๐˜€ ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ถ๐—ฑ๐—ฒ ๐—ต๐—ถ๐—ด๐—ต๐—ฒ๐—ฟ ๐—ฎ๐˜€๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ผ๐—ณ ๐—ฟ๐—ฒ๐˜๐˜‚๐—ฟ๐—ป๐˜€: Non-recourse embedded leverage can render superior risk-adjusted returns.

* ๐—•๐—ฒ๐˜€๐—ฝ๐—ผ๐—ธ๐—ฒ ๐—ง๐—ฟ๐—ฒ๐—ฎ๐˜€๐˜‚๐—ฟ๐˜† ๐—™๐˜‚๐—ป๐—ฑ๐˜€ ๐˜€๐—ถ๐—ด๐—ป๐—ถ๐—ณ๐—ถ๐—ฐ๐—ฎ๐—ป๐˜๐—น๐˜† ๐—ถ๐—ป๐—ฐ๐—ฟ๐—ฒ๐—ฎ๐˜€๐—ฒ ๐—ฐ๐—ผ๐—ฟ๐—ฝ๐—ผ๐—ฟ๐—ฎ๐˜๐—ฒ ๐˜๐—ฟ๐—ฒ๐—ฎ๐˜€๐˜‚๐—ฟ๐˜† ๐—ฟ๐—ฒ๐˜๐˜‚๐—ฟ๐—ป๐˜€: Through Liquidity, Leverage, and Laddering.

* ๐—–๐—ผ๐—บ๐—ฝ๐—ฒ๐—น๐—น๐—ถ๐—ป๐—ด ๐—œ๐—ป๐—ฐ๐—ผ๐—บ๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐—ฃ๐—ผ๐˜๐—ฒ๐—ป๐˜๐—ถ๐—ฎ๐—น ๐—š๐—ฎ๐—ถ๐—ป๐˜€: At current yields, bonds offer a compelling combination of attractive income generation and potential capital appreciation. For anyone focused on wealth preservation and/or income generation, bonds remain a vital asset class.

Discover the insights behind why โ€œ๐—•๐—ผ๐—ป๐—ฑ๐˜€ ๐—ฎ๐—ฟ๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐˜ƒ๐—ฒ๐—ฟโ€ in this comprehensive article.

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