With Nifty benchmark indices NIFTY 50 in correction mode for almost a month now, we are witnessing gains in our equity based portfolios getting eroded substantially, more so in mid and small cap. Nifty benchmark index has fallen almost 9% from its recent high and Mid & Small cap index has lost 28% and 44% respectively … Continue reading Goal Based Investments
When we plan out the investments across different asset classes keeping in view the risk profile and financial goals of an investor, invariably part of the investments go in the debt mutual funds. How much of it will get invested in debt funds depends on risk appetite and time available to achieve desired financial goals. It is … Continue reading Are your Investments in Debt Mutual Funds at Risk?
During my recent interaction with officers at different locations, I came to know that many of us have invested our hard earned money in insurance related products. The reasoning given was simple, you get dual benefits i.e your life gets insured and you also get maturity benefits if you survive the policy period. On the face of it, it looks … Continue reading Should you invest in insurance related products?
Well friends, most of the times it’s an emotional decision for a couple to start a family but rarely we take stock of our finances before we actually take a plunge. Now lets try and understand the quantum of money required to be saved and invested to meet financial goals associated with upbringing of children. … Continue reading Am I financially ready to bear the cost of upbringing children….?
Most of us have been investing in different asset classes over a period of time, using different platforms, some manual, some online and now it’s becoming difficult to monitor all of these. To add to the irony, we have no clue why did we make these investments and what was our investment goal(s). We tend to … Continue reading Consolidate Investments through Comprehensive Financial planning
As we all understand debt mutual funds are ideal investment options for short term investments. Their risks are much lower than equity or equity oriented funds, they have the potential to generate superior returns compared to traditional fixed income products and they enjoy a significant tax advantage over bank savings and Fixed Deposits. But how many of us know … Continue reading Classification and Investment Portfolio of Debt Mutual Funds
Interim Budget for FY19-20 was presented today in the parliament by the Finance Minister. During his budget speech, he has laid down the road map of economic activities for the country over the next 10 years or so. Important highlights of the speech affecting investments are as given below : 1. Indian GDP is poised to become $ … Continue reading Investment Opportunities Post Budget FY19-20
During last two weeks or so, I had the privilege to visit and interact with Armed Forces Officers at Indian Institute of Foreign Trade(IIFT), New Delhi, Meerut, Pannagarh and Mumbai (Kalina) Military Garrisons. During the course of my presentation and subsequent interaction with Officers, I realized that the concept of Personal Financial Planning is not clear … Continue reading Highlights of Interaction with Armed Forces Officers
Most of us while selecting a mutual fund scheme for investments look for recommendations from friends, browse through various tips given on different websites and take a decision based on the ratings given by different agencies. We hardly try to evaluate a scheme based on its analytical parameters. Although there are different parameters to evaluate … Continue reading Selecting good mutual fund schemes
Legendary investor, Warren Buffett has often suggested that discipline is one of the most important attributes of successful investors. While investing behavior of most investors is influenced by greed and fear, successful investors do not allow greed and fear to override discipline. Discipline versus greed and fear distinguishes investors from speculators. Speculators make their investment … Continue reading Why should we continue with our SIPs in volatile or lower markets?