Bonds2 min read
If you understand an FD, you can understand a bond
Who owes you, what could go wrong, and when you need the money back.
Shalaka Malu
THE IKSHVA BLOG
Money, explained
like a conversation.
Bonds, portfolios and life decisions. Perspectives from the people at Ikshva Ventures.
16 articles
Bonds2 min read
Five things to check before buying a corporate bond
Look beyond the interest rate: issuer, rating, security, maturity and your total exposure.
Shalaka Malu
Mutual funds3 min read
Your mutual fund app is red. What should you check?
Before reacting to a red day, check the fund, the goal and your timeline.
Shalaka Malu
Mutual funds2 min read
How to review a SIP without chasing last year’s winner
Compare the right benchmark, matching dates and actual cash flows.
Shalaka Malu
Bonds2 min read
Bond or mutual fund? Compare what you keep
Compare after-tax cash flows, costs and risks — not just the headline return.
Shalaka Malu
Life & money2 min read
What my career break taught me about money
Becoming a parent changed what I needed my investments to do.
Shalaka Malu
Life & money2 min read
More funds do not always mean more diversification
Different fund names can hide the same underlying risks.
Shalaka Malu
Our story2 min read
The person at the centre of our logo
Why we chose the double-ring I, and what it means to us.
Shalaka Malu
Life & money2 min read
Financial freedom starts with your expenses, not a round number
A retirement target is only useful if you can explain the assumptions behind it.
Vedant Bang
Bonds2 min read
Coupon, yield and the return you actually earn
The interest printed on a bond is not the same as the return from the price you pay.
Vedant Bang
Alternatives2 min read
Private credit: read the terms before the target return
Understand the borrower, the manager and your commitment before discussing the yield.
Vedant Bang
Alternatives2 min read
A property or a REIT? Compare the whole investment
Look beyond rent: ownership, operating work, access to money and distributions all matter.
Vedant Bang
Bonds2 min read
When interest rates move, check duration
Two debt portfolios can respond very differently to the same change in yields.
Vedant Bang
Business planning2 min read
Idle business cash needs a job and a timeframe
A safety cushion matters. So does understanding how much needs to stay immediately accessible.
Ikshva Ventures Team
Life & money2 min read
Give every part of your portfolio a job
Growth, income and access to money are different needs. One product does not have to do everything.
Ikshva Ventures Team
Business planning2 min read
Would your business plan work without you in the room?
Three questions for business owners: who runs it, who owns it, and who knows the plan?
Ikshva Ventures Team