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- How Is Credit Risk assessed?
- Credit Risk Management
- The Purpose of A Bond's Convenant
- How Do Credit Defaults and Credit Losses Vary?
- Fund Structure - An Investor Perspective
The answer to this question lies in a discipline called credit risk analysis. This considers factors such as operating margins, fixed expenses, overhead burdens and cash flow, with the goal of providing a fundamental view of a company’s financial ability to repay its obligations. A common method of credit risk assessment called ‘bottom up analysis’...
In a bond fund, which is a basket of dozens or hundreds of securities within one bond portfolio, the portfolio manager will look at both the interest rate sensitivity and credit risk of the holdings in a portfolio. It is their job to make sure it is properly diversified with the correct balance struck between risk and reward. If we look at this dif...
The exact terms and conditions attached to a fixed income instrument are contained in the bond’s covenant. This is a legal document which sets out the key metrics that the issuer must meet to safeguard its ability to pay back and service (i.e. pay interest on) the bond. For example, there may be a cap imposed on the amount of debt that a company ca...
An essential part of credit risk analysis is trying to determine how much capital will be recovered in the event of a default. Here, it is worth distinguishing between the defaulted amount and the ultimate capital loss. With fixed income instruments, it is often the case that the actual capital loss is lower than the defaulted amount because of rec...
Some bond funds may invest in both investment grade quality and high yield bonds. It is important for individual investors to read a fund’s prospectus to make sure they fully understand the fund’s credit quality guidelines. Since bond funds are made up of many individual bonds, diversification can help mitigate the credit risk of an issuer defaulti...
2020年8月10日 · The requirements are mainly financial—minimum monthly income of RM10,000 (SGD3,310) and to show liquid assets of at least MYR350,000 (SGD117,000), of which MYR150,000 (SGD50,000) must be placed in a fixed deposit account in Malaysia. Weather: Singaporeans will find essentially no difference in the weather in Penang Island compared to what ...
