Fund Talk - 1 | Next Level Education
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Fund Talk – 1

Fund Talk – 1

Do you know the difference between a “credit risk” fund and “dynamic bond” fund?

“Credit Risk” fund earlier called “Credit Opportunities” fund will have at least 65% of its investment in instruments rated AA or lower.

(Note the word “at least” because it means the fund can have even a higher percentage than 65%  in instruments of AA or lower).

Hence this fund is exposed to higher risk instruments as compared to the Dynamic Bond Fund which on the other hand will invest at least 80% in instruments rated AAA or equivalent.

Thus Dynamic Bond Fund focuses a lot more on “safety” as compared to “Credit Risk” fund.

As far as the “Credit Risk” Fund goes, quite rightly its name has been changed from”Credit Opportunities” to “Credit Risk”.

While a lot of us believe that debt funds are safer than equity funds, I have a contra view because the “market” can temporarily hurt the NAV in an equity fund whereas credit default can make a permanent damage to the NAV of a debt fund.

34 Comments
  • Kamal Kumar Jotwani
    Posted at 03:57h, 24 October Reply

    Very Good

  • Nirmala Kolvankar
    Posted at 04:00h, 24 October Reply

    Very useful sir good on

  • Rajesh pandey
    Posted at 04:01h, 24 October Reply

    Very useful sir it’s inhance the knowledge

  • Akshaya ahuja
    Posted at 04:01h, 24 October Reply

    Too good it make us concept more clear and it has increased base of knowledge

  • Alexnpinto
    Posted at 04:07h, 24 October Reply

    Most advisor’s don’t talk of debt scheme’s this is good as it happened in amtek auto I think

  • Dutt Sharma
    Posted at 04:09h, 24 October Reply

    How reliable are our AA or AAA Ratings. We have seen sudden downgrades in the near past, as though things go awry overnight ..!

  • Pradeep Kumar Jain
    Posted at 04:09h, 24 October Reply

    We all appreciate your efforts for the fraternity.

  • Praveen R K
    Posted at 04:09h, 24 October Reply

    Makes our ilife simpler. It’s easy to understand

  • Muralidhar
    Posted at 04:14h, 24 October Reply

    Very useful information. Please continue to enlighten us.

  • Sanjeev Mundhra
    Posted at 04:14h, 24 October Reply

    Good initiative but are we sure that all dynamic bond fund holds more than 80 % in AAA

  • Samyak Singh
    Posted at 04:20h, 24 October Reply

    Good initiative

  • Varun
    Posted at 04:23h, 24 October Reply

    Very useful, keep it up

  • Varun
    Posted at 04:24h, 24 October Reply

    Very useful, keep it up

  • Priyanka gandhi
    Posted at 04:28h, 24 October Reply

    Great initiative to spell it out so simply to us

  • Ketan Selarka
    Posted at 04:29h, 24 October Reply

    Very useful

  • SUNIL MORE
    Posted at 04:30h, 24 October Reply

    Very useful as debt is more complicated than equity to understand for customer

  • Mohanraj
    Posted at 04:34h, 24 October Reply

    Very useful pls continue sir

  • G.senthil kumar
    Posted at 04:37h, 24 October Reply

    Yes… Good initiative… Kep it up.

  • SURESH MAHTO
    Posted at 04:44h, 24 October Reply

    Great update Sir

  • Amit kumar mahto
    Posted at 04:53h, 24 October Reply

    Very useful..Great initiative sir…Must continue.

  • Sachin Sangle
    Posted at 05:02h, 24 October Reply

    Good one Sir.

  • Shriniwas Dandekar
    Posted at 05:08h, 24 October Reply

    Extremely useful sir. It is our luck that, we have such Guru who guides us without any expectations everyday . Please continue sir

  • Anurag Sriwastwa
    Posted at 05:32h, 24 October Reply

    Very useful Sir.

  • DIVYESH SHAH
    Posted at 05:56h, 24 October Reply

    Very good initiative. Very useful. Thanks

  • Jayant Akhaury
    Posted at 07:06h, 24 October Reply

    It’s a good initiative which would help the group to enhance useful fund Info.

  • Dharampal Chugh
    Posted at 07:46h, 24 October Reply

    Very useful also put some focus on retirement funds for person just retired and never invested in MF

  • M.S.RAVIKUMAR
    Posted at 09:37h, 24 October Reply

    Sir.. really good effort… and also informative… thank you sir.. please keep going…

  • Smit shah
    Posted at 10:20h, 24 October Reply

    Very interesting.. keep going sir it will really appreciate

  • Girish Kelkar
    Posted at 13:42h, 24 October Reply

    Very useful.

  • Arip mondal
    Posted at 14:42h, 24 October Reply

    Very useful sir

  • Ratnesh Varshney
    Posted at 15:22h, 24 October Reply

    Great initiatives by you
    Good information

  • Smita Sachdev
    Posted at 16:18h, 25 October Reply

    Yes sir it’s very helpful please continue

  • VIPULKUMAR Bhuva
    Posted at 04:32h, 26 October Reply

    Sir it’s a great initiative, please do continue your valuable guidance…

  • Sudhir Birari
    Posted at 12:59h, 27 October Reply

    Great Initiative Sir ???

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