Month: August 2025

Categories
Blog Editor's pick Investor Education

When Is the Best Time to Invest in a Fixed-Income Deal?

Timing matters but maybe not the way you think.

When it comes to fixed-income investments like commercial papers, treasury bills, or debt notes, the biggest question many investors have is: “Should I wait for a higher rate?” or “What if something better comes along next week?”

Here’s the real answer: the best time to invest is when your money would otherwise be sitting idle.

Let’s unpack that.

Idle Cash Is Losing Value

If your money is just sitting in a regular savings account or worse, in a current account, it’s probably earning next to nothing. Meanwhile, inflation is eroding its value bit by bit. In that case, earning any steady return through a fixed-income investment is already a win.

Stop Chasing the “Perfect” Rate

A lot of people make the mistake of holding out for the highest possible rate. But here’s the catch, while you wait for something better, you’re missing out on consistent returns.

Example:

Let’s say you’re offered 22% per annum today for 180 days. You hesitate, thinking 25% might show up soon. Two weeks go by and nothing shows up. That’s two weeks your money did nothing.

You could’ve locked in a solid deal and already started earning.

Look at Timing, Not Just Rate

Ask yourself:

  • Do I need this money in the next 3–6 months?
  • Is this rate in line with market trends?
  • Is the issuer reputable and verified?

If the answers make sense, don’t overthink it. Most fixed-income products on platforms like GetEquity go fast for a reason, investors understand the value of compounding time with steady interest.

Don’t Miss Out on Compounding Windows

Every time you wait too long to invest, you’re shrinking the number of investment cycles you can complete in a year. Think of your money like a worker. The more shifts it takes, the more it earns. Waiting around means fewer shifts.

Final Thoughts

The best time to invest in fixed income isn’t when the rate is perfect, it’s when your money is ready and the deal is good. In a high-inflation economy, sitting out is often riskier than getting in.

Make your capital work. That’s how real wealth builds.

Categories
Blog Editor's pick Investor Education Press Releases

What Does “Per Annum” Actually Mean When Your Investment Isn’t Up to a Year?

If you’ve been exploring fixed-income investments, you’ve probably seen returns like 25% per annum. But what does that really mean especially when the investment doesn’t last a full year?

Let’s break it down. 

First, What Does Per Annum Mean?

“Per annum” is Latin for “per year.” So, if you see “25% per annum,” it means you would earn 25% interest if you kept your money in that investment for a full 12 months.

But here’s the thing, many commercial papers and debt notes don’t run for 12 months. You might see tenors like 90 days, 182 days, or 272 days. That’s less than a year, so you’re not getting the full 25%. Instead, you’re getting the equivalent portion of it for the time your money is actually invested.

Think of it like this:

If a cake is meant to be eaten over 12 months, but you’re only joining the party for 6 months, you’ll only eat half the cake. Still delicious, just not the whole thing.

So What Do You Actually Earn?

Let’s take that same 25% per annum rate. If the tenor is 6 months (about 182 days), you’re getting half of that 25% so around 12.5%. If it’s for 3 months (about 90 days), you’re earning roughly 6.25%.

Again, no need to crunch numbers. Just remember: your actual return is simply a slice of the yearly rate, based on how long your money stays in.

Why Do Investment Platforms Use “Per Annum” Then?

Great question. Using a yearly rate makes it easy to compare offers side by side. It sets a common benchmark. Whether you’re investing for 90 days or 9 months, the “per annum” figure helps you quickly spot what pays more over time, if all things were equal.

But here’s the key: always check the tenor. A 25% per annum rate over 272 days gives you more than a 20% per annum over 180 days. It’s not just the rate, it’s also how long your money works for you.

TL;DR (But You Should Still Read It )
  • Per annum = what you’d earn in a full year.
  • For shorter-term investments, you only earn a proportional amount.
  • Always look at both the rate and the tenor before deciding.
  • You’re not getting cheated, it’s just how time and interest work together.

So next time someone says “it’s 25% per annum,” don’t assume you’re pocketing the full 25% unless you’re investing for the whole year. Think of it like time-based rent: your money gets paid for how long it stays on the job.

Categories
Blog Editor's pick Investor Education

 Why Some Investors Don’t See Returns — and How to Fix It

You’ve invested but your money isn’t growing. Here’s why that might be happening and what you can do about it:

  1. Poor asset alignment
     Some investments simply don’t match your goals or risk appetite. Low-risk accounts won’t deliver meaningful growth; high-risk options may expose you to volatility.
  2. Not reinvesting earned interest
     Interest is powerful but its impact diminishes if not reinvested. Reinvesting earned returns compounds your earnings over time.
  3. Chasing trends over strategy
     Jumping into the latest “hot” asset without research leaves your portfolio vulnerable. A solid plan beats hype every time.

Solutions to reset growth

  • Evaluate your investment goals and time frame
  • Reinvest interest and roll over matured investments
  • Stick to a strategy with periodic reviews

Action Steps

  1. Review current holdings, are they aligned with your goals?
  2. Reinvest or rollover interest when possible
  3. Set a schedule for reviewing your portfolio; monthly or quarterly

GetEquity gives you the tools and insights to build a growth‑oriented, purpose‑driven portfolio.