You have heard it a thousand times. “Mutual funds are subject to market risks.” With a brief introduction to mutual funds, learning about equity mutual funds causes investors to have a wrong impression. “Debt mutual funds are safe.” But it is not anyone’s fault. It is a relativity trap, often called anchoring bias. Debt mutual … Continue reading No Exception From Market Risks: What Should be the Ideal Fixed Income Asset in Your Portfolio?
“Your bonus has been credited to your bank account” A message like this can make your day. It can even make your month good. If you are a salaried employee, you can relate to what I’m saying. Along with it, there are different ways you could have a lump sum amount in your hand. It … Continue reading Investing a Lumpsum: How to do it the Right Way?
What if the Stock Market Crashes Days Before I Redeem for My Financial Goal?—The Safest Strategy to Exit the Market!
Imagine this. You are investing in an equity mutual fund scheme for 10years. It is for your kid’s college fund. Finally, the goal is here, and you need the fund in a couple of days. But the next morning, flash news: “SENSEX Crashes by 30%!” You take a look at the investment value of your … Continue reading What if the Stock Market Crashes Days Before I Redeem for My Financial Goal?—The Safest Strategy to Exit the Market!
Every IPO creates a buzz in the stock market. “Is this the golden nugget of stocks?” No investor would want to miss out on that. “What if this company has the edge over its competitors?” It is a guaranteed industry leader and a wealth generator for investors. But how can you be sure? The first … Continue reading Trouble Analysing the IPO Offer Document? What Matters the Most While You Invest?
“The Currency of the Future” It is the unofficial tagline given to Bitcoin or any other cryptocurrency, for that matter. Bitcoin, Ethereum, Litecoin, Chainlink, Dogecoin, there are several cryptocurrencies. Even billionaire Elon Musk is openly supporting Dogecoin, a cryptocurrency, on Twitter. And of late, their value is skyrocketing in the S&P500. Skyrocketing is an understatement … Continue reading Right Time to Invest in Bitcoin/Cryptocurrency? Consider These Before You Do!
For the past few years, the debt market is sailing through some rough waters. It is true even for debt mutual funds in particular. They are widely regarded as “one of the safest investment modes” by investors. But it doesn’t look like the case anymore. In 2018 IL&FS Ltd. defaulted. DHFL followed with a liquidity … Continue reading Are Debt Funds Becoming as Risky as Equity Mutual Funds?
One of the best things about investing in Equity Mutual Funds is transparency. Any investor can see where the fund manager is investing their money. It has allowed investors to assess the quality or investment strategy of the fund. However, one of the best things about this transparency only came recently. It is the Rise … Continue reading Why are Financial Institutions Focusing on ESG Based Funds? The Rise of Responsible Investing
Every seasoned investor knows that asset allocation is the only control they have on their investment portfolio. Even Warren Buffet, as the CEO of Berkshire Hathaway, prioritises capital allocation over anything else. Whether you’re a billionaire investor or a retail investor, the fundamentals of investing doesn’t change. But what does change is your risk tolerance … Continue reading How Frequently Should You Review Your Mutual Fund SIP? And Rebalance Investment Portfolio?
“Don’t Try To Time The Market!” It is probably the first advice any investment advisor will tell you. It is an indirect way of saying: “don’t make any Lumpsum investment in equities”. There’s a good reason for it. With the stock market being highly volatile, there is a good chance you could end up investing … Continue reading When is the Right Time to Make Lumpsum Investment? Is Stock Market Recovery a Sign?
You can rent a home instead of buying it. It is often economical. Almost all of your financial goals have a financially better alternative. But what about your retirement fund and your children’s education fund? These are the top2 non-negotiable financial goals. They can never be delayed or replaced. You require proactive planning and a … Continue reading How to Choose the Right Investment Products for Your Retirement & Kid’s Education?