Personal Finance Articles

What is Interest Rate Risk? Interest rate risk refers to the possibility that a loss could happen as a result of a fluctuation in interest rates. A bond's or another fixed-income security's value will decrease if the rate rises. Interest...

What is Interest Coverage Ratio? Interest coverage ratio is an accounting ratio.  It determines how many times the company can pay off the accumulated interest before taxes and interest are deducted. The ratio is commonly referred to as "times interest...

In a world filled with uncertainties, an insurance cover acts as a protection. Insurance is a risk mitigating mechanism that helps restore balance in one's life. Having an insurance cover not only benefits the policyholders by helping lead a stress-free...

What are Inflation Indexed Bonds? Inflation is bad for investments. How is that? High inflation eats into your profits, reducing your actual return. The inflation in November 2022 was close to 7%, indicating that if you made 10% on your...

What is Nasdaq? The NASDAQ is the American stock exchange and stands for National Association of Securities Dealers Automated Quotations. This was the first electronic stock exchange founded in 1971. This exchange enabled investors to buy and sell stocks quickly...

Bonds are debt instruments where the lender lends money to a bond issuer. The bond issuer guarantees to repay the sum borrowed at the end of the bond tenure, plus interest at regular intervals. A private or public company, a...

The number of times an initial public offering (IPO) has been subscribed at stock exchanges is referred to as the IPO subscription. Bids for an IPO can be placed with BSE or NSE. Each exchange publishes real-time IPO subscription status...

What is LIC surrender Value? Surrender value is the amount that an insurance company pays to the policyholder for surrendering the policy before the maturity date. Surrendering the policy means ending the policy before the date of maturity. Surrender value...