Investing in bonds is now more simpler and more accessible than ever. There is no need to go through the cumbersome process of contacting brokers and dealing with a paper-heavy process. Investing is now paperless and can be done seamlessly, thanks to technology.
Online bond platforms (OBPP) like TheFixedIncome, a SEBI-registered debt broker, allow you to discover and invest in bonds from the comfort of your home. But simply investing in bonds is not enough. An investor has to manage his portfolio for a successful investment journey.
However, managing a diverse portfolio of bond investments can be challenging without the right tools. At TheFixedIncome, we understand the importance of managing your investments organizationally and efficiently. For ease of investing, the “My Portfolio” section has been designed to provide investors with a comprehensive view of their investments so that they can have a clear understanding of their financial standing. This blog details this feature and how it can benefit you.
1. Graphical Summary
In the My Portfolio section, you’ll find a clear graphical representation of your product types i.e. all about the total investments. This visual summary breaks down your portfolio by product types, helping you quickly assess the allocation between corporate bonds, Government Securities, Sovereign Gold Bonds, Corporate Bonds, and more. This allows you to visually understand your diversification and asset distribution.
Moreover, you can view your investments categorized by “issuer types”, giving you insight into the sources of your investments—whether they’re government-backed, corporate, or other types of issuers. This feature helps you easily assess the quality and risk profile of your portfolio.
Finally, the “maturity timeline” provides a visual depiction of the duration and maturity dates of your investments, allowing you to plan and manage your future cash flows. This helps to keep track of when your bonds or securities will mature, aiding in effective reinvestment planning and cash flow management. Overall, the graphical summary offers a quick yet detailed overview of your investment landscape, enabling smarter decision-making at a glance.
2. Detailed Listing
In the Detailed Listing section, you can get an in-depth view of your entire portfolio; it gives a detailed breakdown of the types of products you’ve invested in be it corporate bonds, Government Securities, or Sovereign Gold Bonds. This feature gives a clear view of how your investments are diversified. Also, this section provides filtering options, which allows to sort out portfolio by issuer type, credit ratings, and maturity timelines. You can easily and quickly access key information, analyze your portfolio’s risk profile, and make informed decisions on managing or rebalancing your investments to align with your financial goals.
3. Cashflow Timeline
In this feature, you can view the interest payment of your investments for the year, helping you track the cash inflows from your bond investments. You can see a clear and organized view of your upcoming interest payments, past payments received, and the total amount expected. Once you have a detailed timeline, you can manage your cash flow in a better manner, and plan your finances with great precision ensuring all your payments align with your financial goals. Therefore, this tool helps in simplifying the tracking process so that you never miss an important payment.
4. Mature Bond Detail Listing
In Mature Bond Detail Listing, you will get a detailed overview of all your matured bond investments. You can easily derive information such as the original investment amount, maturity date, and the total returns earned. Keeping all matured bonds in one place helps you assess your past performance, plan for reinvestment, and avoid missing opportunities. Keeping all matured bonds in one place helps you easily review past performance, plan for reinvestment, and avoid missing opportunities. It helps you to stay organized and in control of your investments, ensuring a smooth transition when bonds mature and are redeemed.
It is important to note that in the My Portfolio section, there is a feature called Add Offline Portfolio where you can add other investments that you have made outside of TheFixedIncome so that you can keep track of all your investments. Once you add the investments in the Offline Portfolio, the corresponding cash flow is automatically generated. This feature is incredibly useful because it allows you to consolidate all your investments in one place, including those made outside of The Fixed Income. It helps in tracking your entire portfolio’s performance at a glance, giving better insight and more informed decision-making. Therefore, you do not have to manage multiple accounts or platforms, and provides a holistic view of your financial health.
Conclusion
The “My Portfolio” section at TheFixedIncome, provides a range of features designed to make your bond investments simple, transparent, and seamless. Thus, through visual insights, detailed breakdowns, or the ability to consolidate all your investments in one place- including those outside of TheFixedIncome, you can make informed decisions and maximize returns.
Disclaimer: Investments in debt securities/ municipal debt securities/ securitised debt instruments are subject to risks including delay and/ or default in payment. Read all the offer-related documents carefully.
