Why We Sell-Off During Market Corrections?

Have we ever thought why most of us sell off our investments during market corrections? Is it because we need the money or is there any other reason(s). We all must have taken a ride in the roller coaster; when it goes up we feel excited but feel scared when it goes down.  It’s the … Continue reading Why We Sell-Off During Market Corrections?

Are We Loosing Money By Investing In Bank FD?

Rates of interest on various small saving schemes have been slashed substantially by the Government of India wef  01 April 2020.  The annual rate of interest on Bank Savings Account would be around 2.75% and Bank FDs will fetch you 5.5% to 5.8% for one to three years of term deposit. Further, interest accrued on these investments … Continue reading Are We Loosing Money By Investing In Bank FD?

Understanding Investment Risks Before Investing

Brutal fall in Indian stock markets over a period of last one month or so has left most of the equity portfolios bleeding. Fall has been so fast and vociferous that it wiped out almost all the gains of equity mutual fund schemes for last 3 to 5 years and in some cases up to 10 … Continue reading Understanding Investment Risks Before Investing

Why Debt Mutual Funds Are Good For Short Term Investments?

Debt mutual funds are ideal investment options for investors 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. What are debt funds? Debt mutual … Continue reading Why Debt Mutual Funds Are Good For Short Term Investments?

Are You Paying Income tax On Interest Income?

As part of direct taxes, all of us are paying Income tax to Government of India. Income tax is levied on following two parts of income: 1. Earned income which is earned by us in a financial year(Apr to Mar)2. And the interest income which gets accrued on our savings / investments There is hardly any scope … Continue reading Are You Paying Income tax On Interest Income?