frequently asked questions

Safe Haven, an offering by Stack Wealth powered by GoldenPi, is an investment strategy designed to provide stability, predictable returns, and capital preservation for your portfolio, especially during times of economic turbulence and market volatility. The assets in this offering include bonds, NCDs & corporate FDs.

Bonds and debentures are debt investment instruments with a Fixed Rate of Return and Fixed Maturity Period. While Bonds are securities that are mostly issued by the government, debentures are always issued by corporations.

Safe Haven allocates a portion of your portfolio to assets that are considered low-risk and less affected by market fluctuations. This strategy aims to generate steady cash flow and preserve capital during uncertain market conditions, helping you navigate market ups and downs with greater confidence.

During times of market volatility, Safe Haven's focus on low-risk assets like high-yield bonds, FDs, and NCDs acts as a safety net, shielding your investments from significant losses. This strategy helps to preserve your capital and mitigate the impact of severe market downturns.

Safe Haven utilizes a combination of assets to provide stability and predictable income, including:

High-Yield Bonds: Bonds issued by companies or governments with higher interest rates, offering consistent income.

Fixed Deposits (FDs): Savings accounts where you deposit a fixed sum at a fixed interest rate, considered low-risk.

Non-Convertible Debentures (NCDs): Long-term debt instruments with fixed interest rates, providing stable income.

Bonds and Debentures are issued by these entities to raise money from investors as loans used to fulfill business objectives like entering new markets, starting a new project, or scaling existing businesses. For every bond/debenture issue, fixed interest payments (Coupons) are made regularly on pre-specified dates. The principal loan amount(face value per unit of Bond/ Debenture) is paid back on the pre-specified maturity date.

A conservative flagship portfolio combines low-risk debt funds with some equity and precious metal exposure. While this approach might offer better returns during bullish markets, it can also lead to losses during market downturns. Safe Haven focuses on capital preservation and a regular income stream, making it more suitable for conservative investors seeking stability.

To integrate Safe Haven, consider allocating a portion of your portfolio to the key components such as high-yield bonds, FDs, and NCDs. It's recommended to consult with our investment team to tailor the strategy according to your specific financial circumstances and goals.

Interest earned on bonds issued by companies is subject to a 10% TDS ( Tax Deducted at Source ) for Individuals/HUF and other entities. TDS is only applicable to bonds issued by companies. Government bonds such as sovereign gold bonds are exempt from the TDS provision.

The appropriate allocation to Safe Haven in your portfolio depends on your risk tolerance, financial goals, and the specific Safe Haven strategy. Typically, NCDs, Bonds & FDs should be a portion of your overall portfolio, with diversification across various asset classes to earn risk-adjusted returns. A common range might be 10% to 30% of your total portfolio, but this can vary significantly.

Investing in NCDs, bonds, and corporate FDs carries several risks:

• Credit Risk: There's a risk of the issuer defaulting on payments.
• Interest Rate Risk: Fluctuating interest rates can impact the value of these investments.
• Liquidity Risk: These instruments may lack liquidity in secondary markets.
• Inflation Risk: Returns may not keep pace with inflation.
• Market Risk: Bond prices can fluctuate due to market conditions.
• Default Risk: Issuers may default, resulting in loss of principal and interest.
• Reinvestment Risk: Lower rates at reinvestment can reduce overall returns.
• Taxation Risk: Change in tax regulations from time to time can affect your post tax returns.

NCDs: NCDs typically do not have a lock-in period. You can sell them in the secondary market if you need to liquidate your investment before maturity, although market conditions may affect the sale price.

Bonds: Bonds also generally do not have a lock-in period. You can sell them on the secondary market, but like NCDs, the sale price may be influenced by market conditions.

Corporate FDs: Corporate FDs typically have a fixed tenure, and you may face penalties or reduced interest rates if you withdraw your investment before maturity. The lock-in period depends on the terms and conditions set by the issuing corporation.

Yes, there may be fees and expenses associated with investing in NCDs, Bonds, and Corporate Fixed Deposits (FDs). Please note that Stack Wealth does not charge any such fees for investing in NCDs, Bonds and Corporate FDs via our platform. These fees and expenses are charged by our partner platforms and they may/may not include:

Brokerage Fees: If you buy or sell NCDs or Bonds through a broker, you may be charged brokerage fees or commissions. The amount can vary depending on the broker and the transaction size.

Demat Account Charges: If you hold NCDs or Bonds in a dematerialized (demat) account, there may be charges associated with maintaining and transacting in the account.

Depository Fees: For demat account holders, there could be depository charges levied by depository participants for the safekeeping of your securities.

Other Transaction Costs: When buying or selling NCDs or Bonds, you may incur transaction costs, which include taxes and charges imposed by regulatory authorities.

Handling Fees: Some financial institutions may charge handling or processing fees when you invest in Corporate FDs.

Early Redemption Fees: Corporate FDs often have a fixed tenure, and withdrawing your investment before maturity can lead to penalties or reduced interest rates, which can be considered as a form of fees.

Non-Convertible Debentures (NCDs) are a form of financial instrument that businesses use to generate funds. NCDs are fixed-income securities, which means they pay investors a fixed interest rate. NCDs are normally granted for a set amount of time before being repaid to the investors.

NCDs are a popular investment choice for those seeking a fixed income with a guaranteed return. NCDs can help you diversify your financial portfolio while also lowering your risk.

Invest in a safe haven with Bonds, NCDs, and Corporate FDs that provide consistent yields of up to 12% per annum. Click here to know more.

Although NCDs are considered a generally secure investment choice, there are certain hazards associated. When determining whether or not to invest in NCDs, consider the following factors:

The issuer's creditworthiness: It is critical to analyse the NCD's issuer. Check to see if the issuer is financially stable and has a decent credit rating.

The interest rate: Another consideration is the interest rate given on the NCD. Check if the interest rate is competitive and that the repayment terms are acceptable to you.

The maturity time: The NCD's maturity phase is also crucial. Check that the maturity time corresponds to your investing objectives.

Invest in a safe haven with Bonds, NCDs, and Corporate FDs that provide consistent yields of up to 12% per annum. Click here to know more.

The following are the fundamental distinctions between FDs and NCDs:

Security: Banks offer FDs, which are considered safe investments. NCDs can be issued by a wide range of organisations, including corporations and financial organisations. The safety of an NCD is determined by the issuer's creditworthiness.

Taxation: The interest earned on FDs is taxable. The interest earned on NCDs held in demat form is exempt from tax.

Return: The return on FDs is typically lower than the return on NCDs. This is because NCDs are considered to be a riskier investment.

Invest in a safe haven with Bonds, NCDs, and Corporate FDs that provide consistent yields of up to 12% per annum. Click here to know more.

Non-convertible debentures (NCDs) and bonds are both fixed-income securities issued by companies or governments to raise money. There are, however, some significant distinctions between the two:

NCDs are unsecured debt instruments, which means they do not have any collateral backing them up. Bonds, on the other hand, are often backed by the issuer's assets.

NCDs are regarded riskier than bonds since they are not collateralized. However, they also offer the potential for higher returns.

Maturity: NCDs typically have a shorter maturity period than bonds. This means that NCDs need to be repaid sooner.

Yield: NCDs typically offer a higher yield than bonds. This is because NCDs are riskier than bonds.

NCD interest rates in India typically vary from 7% to 9% per year. However, depending on the circumstances described above, the actual interest rate given may be greater or lower.

NCDs are a popular investment choice for those seeking a guaranteed income with consistent distributions. They can help you diversify your portfolio while earning better returns than bank fixed deposits.

Invest in a safe haven with Bonds, NCDs, and Corporate FDs that provide consistent yields of up to 12% per annum. Click here to know more.

A bond is a loan made to a firm or the government. In exchange, the borrower agrees to pay you interest over a certain period of time and to repay the loan principle on a predetermined date.

Bonds are an excellent choice for investors seeking a consistent source of income while accepting a reduced degree of risk. They can also help diversify your investing portfolio.

Invest in a safe haven with Bonds, NCDs, and Corporate FDs that provide consistent yields of up to 12% per annum. Click here to know more.

Bonds are a sort of investment that may give a consistent income while also allowing you to expand your wealth over time. They are a fantastic choice for novices because they are low-risk.

Invest in a safe haven with Bonds, NCDs, and Corporate FDs that provide consistent yields of up to 12% per annum. Click here to know more.

Consider the following variables when selecting an investment bond:

Government bonds are often thought to be the safest, whereas corporate bonds are riskier but can provide better yields.

The interest rate is as follows: The interest rate determines how much money you will earn on your investment.

The maturity term is the amount of time until the bond matures and you receive your money back. Choose a maturity time that corresponds to your investing objectives.

The liquidity: The liquidity of a bond relates to how quickly it may be sold. Make careful to select a liquid bond that you can readily sell if necessary.

Invest in a safe haven with Bonds, NCDs, and Corporate FDs that provide consistent yields of up to 12% per annum. Click here to know more.

FD is an abbreviation for Fixed Deposit. It is a sort of investment in which a lump sum of money is deposited with a bank or financial organisation for a certain length of time. In exchange, you will receive a set interest rate.

Because the interest rates are guaranteed, FDs are regarded as a secure investment option. They're also a wonderful method to save money for short-term goals like a housing down payment or a child's education.

Invest in a safe haven with Bonds, NCDs, and Corporate FDs that provide consistent yields of up to 12% per annum. Click here to know more.

In India, the FD income rate varies based on the bank, the term of the FD, and the amount deposited. The following are the current FD rates given by major Indian banks:

5.50% - 6.50% at the State Bank of India

5.75% - 6.75% HDFC Bank

5.75% - 6.75% ICICI Bank

5.75% - 6.75% Axis Bank

Kotak Mahindra Bank: 5.75%�6.75%

Invest in a safe haven with Bonds, NCDs, and Corporate FDs that provide consistent yields of up to 12% per annum. Click here to know more.

Fixed deposits (FDs) and recurring deposits (RDs) are both popular investment options in India. They offer guaranteed returns and are relatively low-risk.

The optimal solution for you will be determined by your unique circumstances and investing objectives. An FD is a suitable alternative if you have a large sum of money that you wish to invest for a certain length of time. An RD is a fantastic option if you wish to invest a certain amount of money each month and gain compound interest.

Invest in a safe haven with Bonds, NCDs, and Corporate FDs that provide consistent yields of up to 12% per annum. Click here to know more.

There are 4 types of tax-free fixed deposits (FDs) in India:

Senior citizen FD: Senior citizens (60 years and over) can invest in a senior citizen FD and earn tax-free interest income up to Rs. 50,000 per year.

NSC (National Savings Certificate): All NSC interest income is tax-free for all investors. In addition to these two forms of tax-free FDs, there are various more tax-advantaged investing possibilities, such as:

Tax-saving bonds are a form of financial product that provides tax benefits to investors. Up to a specific extent, interest income from tax-saving bonds is tax-free.<.p>

Public Provident Fund (PPF): PPF interest is tax-free, and the investment amount is also deductible under Section 80C of the Income Tax Act.

Fixed deposit (FD) interest is calculated using the following formula:

Interest = Principal * Rate of interest * Tenure

Principal: The amount of money you invest in the FD.

Rate of interest: The interest rate offered by the bank or NBFC.

Tenure: The period of time for which you keep the FD.

For example, if you invest Rs. 100,000 in an FD with an interest rate of 8% per annum for a tenure of 5 years, you will earn an interest of Rs. 40,000.

The interest on FDs is compounded annually, which means that you earn interest on the interest that you have already earned. This can help you to earn higher returns over the long term. Learn more.When choosing an FD, it is important to compare the interest rates offered by different banks and NBFCs. You should also consider the tenure of the FD and the minimum investment amount.

Fixed deposit (FD) interest is taxable in India. However, there are a few ways to avoid or reduce tax on FD interest.

Invest in tax-saving FDs: There are a number of tax-saving FD schemes available, such as PPF & NSC

Open an FD in the name of your spouse or children: The interest earned on these FDs will be taxed in their name, which may be lower than your tax bracket.

Submit Form 15G/H: This will ensure that the bank does not deduct TDS on the interest earned on your FD.

Invest in ELSS funds: Equity-linked savings schemes (ELSS) are a type of mutual fund that offer tax benefits.

Invest in a safe haven with Bonds, NCDs, and Corporate FDs that provide consistent yields of up to 12% per annum. Click here to know more.

Here are a few reasons why you should invest in India's fixed income market:

Bonds and debentures provide investors with a set interest rate. Bonds and debentures are considered generally low-risk investments.

Bonds and debentures are generally liquid assets, which means they can be purchased and traded quickly.

Tax advantages: Bonds and debentures provide tax advantages, such as the deduction of interest payments from taxable income.

Invest in a safe haven with Bonds, NCDs, and Corporate FDs that provide consistent yields of up to 12% per annum. Click here to know more.

The following are the fundamental distinctions between bonds and debentures:

Bonds are often secured by collateral, such as real estate or equipment.

Bonds are considered a lower-risk investment than debentures since they are collateralized.

Bonds usually provide a lesser yield than debentures. This is due to the fact that bonds are regarded as a lower-risk investment.

Bonds are a wonderful alternative if you want a safe and secure investment. Debentures are a fantastic alternative if you want a greater income, but you should be mindful of the additional risk associated.

Invest in a safe haven with Bonds, NCDs, and Corporate FDs that provide consistent yields of up to 12% per annum. Click here to know more.

In India, there are several bond kinds available, each with its own set of characteristics and hazards. Here are a few examples of the most prevalent forms of bonds:

Government bonds: Government bonds are the safest sort of bond and are issued by the government of India.

Corporate bonds are issued by businesses and have a higher interest rate than government bonds.

Municipal bonds are issued by municipal governments to fund public projects.

Treasury bills: These are short-term bonds issued by the Indian government.

Zero-coupon bonds: These bonds do not pay interest until they mature.

Invest in a safe haven with Bonds, NCDs, and Corporate FDs that provide consistent yields of up to 12% per annum. Click here to know more.

Corporate Fixed Deposits, also known as firm Fixed Deposits, are a form of investment in which you lend money to a firm for a set length of time at a set interest rate. They are comparable to bank fixed deposits, but are issued by corporations rather than banks.

Corporate FDs offer higher interest rates than bank fixed deposits, but they also carry more risk. This is because the company could default on its payments if it runs into financial trouble.

Invest in a safe haven with Bonds, NCDs, and Corporate FDs that provide consistent yields of up to 12% per annum. Click here to know more.

The key distinction between an FD and a corporate FD is the level of risk involved. Because banks are regulated by the RBI, FDs issued by banks are considered safe investments. Corporate FDs, on the other hand, are unsecured investments, which means the corporation is not required by law to repay the funds.

Corporate FDs often have greater interest rates than bank FDs.

Invest in a safe haven with Bonds, NCDs, and Corporate FDs that provide consistent yields of up to 12% per annum. Click here to know more.

Sovereign Gold Bonds (SGBs) are government securities denominated in grams of gold. They are a safe and convenient way to invest in gold without having to physically hold it. SGBs are issued by the Reserve Bank of India (RBI) on behalf of the Government of India. Click here to know more.

Resident individuals: This includes citizens of India, NRIs who have returned to India and are staying here permanently, and PIOs who have come to India on a long-term visa.

HUFs: A Hindu Undivided Family is a family unit that is jointly owned by its members.

Trusts: A trust is a legal entity that is created to hold assets for a specific purpose.

Universities and charitable institutions: These institutions are eligible to invest in SGBs for their own purposes.

The minimum investment in SGBs is 1 gram of gold, and the maximum investment is 4 kg per fiscal year (April-March) for an individual.

Invest in a safe haven with Bonds, NCDs, and Corporate FDs that provide consistent yields of up to 12% per annum. Click here to know more.