Bonds are instruments that help companies and governments borrow money from the public. If the Government needs money, it issues government bonds. On the other hand, when companies need debt financing, they issue corporate bonds. 

How do bonds work?

Bonds work by returning a regular amount to the investor, also known as a “coupon rate,” and are thus pertained to as a type of fixed-income security.

Bonds usually carry a fixed rate of interest. coupons. These coupons are paid at specified intervals, i.e., annually or half-yearly. Other features of bonds are as follows –

• They might be offered for a specific tenure after which you can redeem them
• There are different types of bonds available in the market
• Some bonds also give you the option to convert them to equity after a specified period 
• You can trade bonds on the stock exchange and sell them to other investors before their maturity 
• You can buy and sell bonds physically or through a Demat account

So, when you invest in bonds, you are essentially lending money to the issuer, and you get the benefit of guaranteed returns in the form of interest payments. Moreover, you can trade bonds and earn capital gains if the price paid for buying the bond is lower than the price at which you sell them.

Is it worth investing in bonds?

Bonds are beneficial, because –

• They are liquid in nature as they can be traded on the stock exchange
• They are a form of debt instruments that give guaranteed interest earnings on your investments
• They help you diversify your portfolio
• Some bonds are also tax-efficient as they yield tax-free interest income 

Also, for senior citizens and investors looking for stable and steady returns, bonds can prove to be a good investment option as they promise guaranteed interest income.

Bonds, when used strategically alongside stocks and other assets, can be a great addition to your investment portfolio, many financial advisors say. Unlike stocks, which are purchased shares of ownership in a company, bonds are the purchase of a company or public entity’s debt obligation.

So, if you are looking for portfolio diversification through debt exposure and your investment strategy permits, bonds can prove to be a worthy investment avenue. 

To learn more about stocks and bonds download The FlipItNews App, particularly the best finance information app I know so far. The app also provides stock market latest news in Hindi, which makes it more convenient for the users. 

FlipItNews App is all set to revolutionise the way Indians perceive finance, business and capital market investment. Gurugram Based startup FlipItNews aims to promote financial literacy among the Indian masses and investment through contextual information and engagement with smart investors.

FlipItNews launched “Circle”- a community of smart investors. A smart platform where any fin-tech company can build its community. 

Feature Circle provides you with the opportunity to learn from market advisers, fin-tech companies, wealth advisors etc and engage yourself with other users through group discussion, polls and quizzes. Also, earn flipitcoin for every action. You can get the latest share market news in Hindi too.

Download the best app for stock market updates – FlipItNews App now and join Circle to become a part of the biggest investment network.

Most people don’t like to think about death, but it’s one of life’s few inevitabilities. Are you protecting your loved ones with a life insurance policy?

If you’re a primary provider for your family, it’s crucial that you have life insurance (even if you’re young). Selecting life insurance providers isn’t easy, however.

We’re here to help you find the right life insurance company for your needs. Read on to learn all about several factors that you should keep in mind when you’re making your decision.

1. Reputation and Credibility

Getting life insurance is a major investment. You want to make sure that the life insurance provider is reliable, credible, and has a good reputation.

There’s a reason that there are popular life insurance companies that you’ll see in advertisements. While marketing is a factor, reliability is another one. The business wouldn’t have the ability to spend a lot of money on marketing if they didn’t have financial stability (which makes them more reliable).

You can also consider references and reviews. Ask friends and family members about their own life insurance policies to see if they have any recommendations for you.

Look at online reviews before committing to a provider.

2. Customer Service

Great customer service is key when it comes to working at a life insurance company. If you contact the company to inquire about policies and you don’t feel as though the representative is giving you good customer service, it’s a red flag.

Policies are complicated. You want to have a representative on your side who can explain insurance terms and conditions and any potential problems that can arise.

For example, the Paradigm Life MEC explanation shows that they have good customer service because they’re interested in helping customers avoid the complications that come alongside an MEC. Some

Some options for insurance providers are only interested in money and it shows.

3. Policy Options

Not all life insurance policies are alike. Before committing to a company, browse the policies and add-ons that they have available to you. If the policies are unclear online, don’t be afraid to reach out and talk to a representative to clarify anything that’s confusing.

You want to make sure that you get a policy that helps you and your loved ones. Not everyone is a good candidate for every life insurance policy.

4. Affordability 

While price shopping is never the best idea, you still need to take the cost of available life insurance policies into consideration. A life insurance policy won’t be helpful to you if you can’t afford it.

When you’re comparing insurance costs, make sure to look for any hidden fees as well as the costs that can come with add-ons. Again, if you’re confused, talk to a representative before you make your decision.

Selecting Life Insurance Providers Can Be Tricky

Selecting life insurance providers isn’t as simple as it looks. With all of the available policy options, it can be confusing. Reach out to several credible life insurance providers and don’t be afraid to spend a lot of time asking questions.

For more helpful articles about the top trending topics, visit the rest of our site.

Business travels involve various reasons why they take place. Firms often do this to close a business deal. Aside from that, it is a way to create a good partnership with another firm. But then again, these trips need proper planning. Some trips may be out of town or out of the country.

Given this point, you have to make sure that everything’s settled. This post will provide a guide on how you can achieve hassle-free business travel. It is best to prepare to avoid travel mishaps that can affect the purpose of the business trip.

Ways to Secure a Smooth Business Trip

Keep in mind that you have a good reason why this trip has to take place. Its success will mean something for your business. In this case, the tips below can help you ensure smooth corporate travel:

Check the company’s corporate travel policy.

It is best to read the policy before you depart for a business trip. In this case, the policy includes how reimbursements will take place. That includes repay for the following items:

• Hotel stays
• Rental cars
• Meals
• Work-related incidents
• Wi-Fi’s connection

You have to ensure that your travel arrangements follow what’s written in the policy. This way, you will not deal with any issues once you come back. For this reason, it is best to clear things up before you leave.

Create a detailed itinerary.

It is best to have a clear schedule of how your business trip will go. In this case, an itinerary is your number one option to make your travel successful. You can type it using Word or Excel, then print a copy that you can have along with you. In effect, you can prevent stress upon arriving at your destination.

Prepare business cards.

This business trip can open up more opportunities to expand connections. Various firms from the industry will come as well. For this reason, it is best to bring a stack of business cards with you. Handing these cards out to everyone you meet may require effort. However, you are helping your company grow its relationship with other business sectors.

Organize your documents.

Be sure to keep all the vital records in one place. It is best to keep a scanned or photocopy of these documents. That includes the following items:

• Plane tickets
• Passport
• Visa (if there’s any)
• Confirmations from the hotel
• Car rental receipts

Keep in mind that losing any of these items can get you in trouble. So, put everything in a safe place for your travel.

Think about safety and security during your business trip.

You have to act accordingly while on the trip. It is best to keep yourself and your colleagues safe at all costs. The following can help ensure safe and secure corporate travel:

• Use a digital wallet or e-wallet instead of bringing too much cash with you.
• Always let others know your whereabouts and provide details of how they can contact you.
• Don’t engage yourself in any criminal activity or violence. Instead, choose to walk away from it.
• If you traveled as a team, make sure to account for everyone in case of split-ups. Be sure no one’s left behind.

During your trip, keep in mind that it’s not for leisure. It is a corporate trip. You are carrying the name of your company, so act accordingly. This way, you can prevent putting yourself and the company at risk.

Pack efficiently.

Don’t pack too much. Excess baggage can incur additional costs. In this case, it is best to limit your outfits, not unless the itinerary requires you various attires. This way, you can prevent over-packing. You can also avoid the need to pay for it.

Always have a backup plan.

Sometimes, things may get out of the way you planned them. In this case, it is best to have a contingency plan if things go wrong. These issues are often beyond your control, so you need to come prepared for these scenarios. One of the usual issues is a flight delay. You have to make it up with your client, such as a virtual meeting or sending a proxy.

Business trips are essential to make your firm expand its connection with other firms. But then again, preparing beforehand is a vital aspect to ensure smooth corporate travel. Aside from that, your preparedness can save you from stress.

Meanwhile, if something goes wrong, keep your calm and don’t panic. You have to think of a way to solve what’s wrong. Panicking can’t help you at all in your situation. So, if you target to have the best business trip, make a concrete plan for it.