Why you should ‘invest today’ in Bonds, Suresh Darak explains to retail investors

With interest rate volatility dominating headlines and a possible RBI rate cut looming, retail investors often find themselves questioning the right time to enter the bond market. But according to Suresh Darak, Founder of Bondbazaar, the best time to invest is now—not later.

In an interaction with ETMarkets, Darak emphasized that retail investors shouldn't attempt to time the market like traders. “Retail is not a trader,” he said, adding that unlike mutual funds or institutions that can actively navigate interest rate cycles, individual investors should focus on capital efficiency and steady income.

He further explained, “If you have idle money right now, invest today because if you are not investing today, it means you lost one day interest... Do not lose even a single day.”


Darak illustrated how even at a 10% annual return, the daily opportunity cost of not investing is around 3 paise per day, which adds up over time. “If you are not investing for 15 days, you already lost 50 paisa.”

Bonds: The mid-path between equity and FDs

When asked about the role of bonds in long-term wealth generation, Darak said they are critical not just for individual portfolios, but also for the broader economy.

“It is a mid-path between equity and FD. And it gives you predictable high returns... so you get peace of mind,” he said.

He highlighted how bond investments allow individuals to focus on their work instead of constantly watching equity market swings. Moreover, he noted that money invested in government or corporate bonds goes toward infrastructure and economic development, drawing a parallel to the U.S. bond market evolution.

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He said, “I would like to see the same thing happening in India where municipalities, apart from the corporates, are raising money from the bond market... and improving our lifestyle.”

What should investors do?

For those hesitant to begin, Darak had a simple suggestion: start small. “Start your journey with a bond with a small investment... experience the bond market. It may change your outlook towards financial savings.” He added that this shift in perspective could positively influence not only the investor but also their family and broader circle.

In a market flooded with noise and speculation, Darak’s advice is refreshingly clear: “Invest today.”

(Disclaimer: Recommendations, suggestions, views and opinions given by the experts are their own. These do not represent the views of The Economic Times)