Why do we tend to sell off during market corrections?

Indian stock markets have corrected by almost 10% in the last month or so. Nifty has lost more than 1600 points from its all-time high and is trading at 16985 whereas Sensex has lost more than 5000 points from its all-time high and is trading at 57011. It is for the first time that Indian … Continue reading Why do we tend to sell off during market corrections?

Markets at all time High: What is the Biggest Risk?

The other day while taking the webinar on personal financial management, one of the Officers asked me, Sir, “What is the biggest risk in the market today?” I thought for a second and replied, the biggest risk in the market today is exiting the market too soon. Stock markets all over the world have been … Continue reading Markets at all time High: What is the Biggest Risk?

Stock Markets: All-Time High… How to Invest?

The Nifty and the Sensex both made lifetime highs last month by touching 17932 and 60,303 respectively. These benchmark indices have given 131% and 118% returns respectively from their Mar/Apr 2020 lows. The market’s recovery has been very sharp and almost vertical, not giving many opportunities to enter. During such times, a better way to … Continue reading Stock Markets: All-Time High… How to Invest?

Should We Invest only in the DSOPF/PPF?

During my interaction with serving Officers, I find many of them still put all their savings in the DSOP fund with 7.1% annualised returns. With inflation hovering around 7.5% (lifestyle inflation is much higher), we are getting a negative appreciation on our investments.  Moreover, any investment of more than Rs 5 lakh in DSOP from … Continue reading Should We Invest only in the DSOPF/PPF?

10 Commandments of Personal Finance

In every walk of our lives, we need commandments which we try to follow to achieve success. Our financial life is no different. By doing our best to follow these commandments, we are almost certain to have a good financial life and mental peace. Here are the 10 commandments which will help us achieve the … Continue reading 10 Commandments of Personal Finance