Bonds ke context mein 'accrued interest' ka kya matlab hota hai? 💰🕰️ Option: Bond ke pure lifetime mein earn hua total interest, Agle coupon date par jo interest pay kiya jayega, Agar bond maturity se pehle bech diya jaye to jo interest forfeit ho jata hai, Last coupon payment ke baad se bond par earn hua interest

Accrued interest? Lagta hai bond bhi salary ke liye overtime kar raha hai! 😅💼 **Accrued interest kya hota hai:** * Wo interest jo bond ne earn kar liya hai, par abhi tak pay nahi hua * Last coupon payment se lekar aaj tak ka kamaya hua paisa * Jaise-jaise time pass hota hai, ye interest bhi badhta jata hai **Kuch aur dil chahne wali baatein:** * Bonds usually har 6 mahine mein interest dete hain (coupon payments) * Par agar aap beech mein bond bechte hain, to buyer ko ye extra interest bhi dena padega * Ye ensure karta hai ki seller ko uske hisse ka sara interest mile Samjho aise: * Bond ek piggy bank hai 🐷 * Har din thode thode paise (interest) usme jama hote hain * Coupon date pe piggy bank tod di jati hai aur paise de diye jate hain * Beech mein bechne par, jitne paise piggy bank mein hain, utne extra dene padte hain Toh yaad rakhna, jab bhi bond ka len-den ho, accrued interest ka hisab-kitab zaroor karna! Warna aapka paisa kisi aur ki jeb mein chala jayega! 💸🕵️‍♂️

Jab bond issuer apne bond holders ko maturity date pe principal amount wapas karta hai, to ise **redemption ya maturity** kehte hain. 📅💰 - **Redemption** matlab bond issuer apna karza chuka raha hai - **Maturity** matlab bond ki term khatam ho gayi hai **Yaad rakhein:** - Periodic coupon payment: Ye to regular interest payments hoti hain - Call provision execution: Isse bond time se pehle redeem ho jata hai - Yield calculation: Ye to potential returns calculate karne ka tarika hai **Bond ki zindagi:** Janam (issue) ➡️ Bachpan (coupon payments) ➡️ Jawani (trading) ➡️ Budhapa (redemption) 👶➡️👦➡️👨➡️👴

Simple interest aur compound interest mein fark samajhna bahut zaroori hai, warna aapka paisa aapko dhoka de sakta hai! 😱💸 **Simple interest** kya hai? - Ye sirf **principal amount** (jo pehle invest kiya ya loan liya) par calculate hota hai - Jaise aapke dadaji ka purana radio - simple aur seedha! 📻 **Compound interest** kya hai? - Ye principal ke saath-saath **accrued interest** (jo interest already earn ho gaya) par bhi calculate hota hai - Ye to jaise aapka Instagram followers count - exponentially badhta hai! 📈📱 Kya fayda hai compound interest ka? - Long term mein zyada returns milte hain - Aapka paisa, aapke paise par bhi paisa kamata hai! Yaad rakhein: - **Investments** usually compound interest use karte hain - Kuch **loans** simple interest use kar sakte hain Toh agli baar jab aap investment ya loan ki baat karein, to puchiye - "Bhaiya, interest simple hai ya compound?" 🕵️‍♂️💼

Bond investments pe tax ka chakkar samajhna zaroori hai. 😅 Jab aap bonds mein invest karte hain aur unhein bechte hain, toh aapko jo profits milte hain usko capital gains kehte hain. 💰 **Long-term vs. Short-term Capital Gains Tax:** - **3 saal se zyada rakha:** 🕒 - Aap lucky hain! 🍀 Aapko long-term capital gains tax lagega, jo short-term capital gains tax se kam hota hai. 💸 - **3 saal se kam rakha:** ⏳ - Uh-oh! 😬 Aapko short-term capital gains tax lagega, jo aapke income tax slab ke hisaab se calculate hota hai. 💼 Isliye, agar aap bonds mein invest kar rahe hain, toh time ka khayal zaroor rakhein. ⏰ Kyunki yeh chhoti si baat aapko bade tax se bacha sakti hai! 😎

Bond ka **face value** wo amount hai jo aapko **maturity date** par milega. Ye bilkul waisa hi hai jaise aapne kisi se udhaar diya ho aur wo kehta hai, "Bhai, 5 saal baad ye amount pakka wapas kar dunga!" 🤝💰 **Face value** ke baare mein kuch dilchasp baatein: - Ise "par value" ya "principal value" bhi kehte hain - Ye fixed hota hai, market price ki tarah up-down nahi hota - Maturity tak rukna padta hai ise pane ke liye, jaise baraat ke khane ka intezaar karna padta hai! 😅🍽️ **Yaad rakhein:** - Face value aur market price alag-alag ho sakte hain - Market price badal sakti hai interest rates aur demand ke hisaab se - Par face value wahi rahega jo shuru mein decide hua tha, ekdum patthar ki lakeer! 🗿 Toh agla baar jab koi bond kharidein, toh puchiye, "Bhai, iska face value kya hai?" Aur haan, uska chehra dekhne ki zarurat nahi hai! 😂👨‍💼

Sahi jawab hai **Face value ya par value**. Chalo isko thoda aur samajhte hain: * **Face Value/Par Value kya hai?** - Ye wo principal amount hai jo bond ya fixed-income security ka issuer udhaar leta hai. - Maturity date par issuer promise karta hai ki ye amount investor ko waapas kar dega. - Seedhe shabdon mein, ye wo rakam hai jo aap ko milegi jab bond mature ho jaayega. * **Baaki options ka kya matlab hai?** - **Coupon rate:** Ye wo interest rate hai jo bond ke face value par regularly milta hai. - **Yield to maturity (YTM):** Agar aap bond ko maturity tak rakhein, to kitna total return mil sakta hai. - **Term to maturity:** Bond mature hone mein kitna time bacha hai. **Yaad rakhne wali baat:** Face value ya par value hi wo core amount hai jo aap ko maturity par milegi. Ye amount interest payments ya market value se alag hoti hai. So, jab bhi koi fixed-income security khareedein, uska face value zaroor check karein! 💸🔍