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Categories Financial Planning

Liquid Funds vs. Company FDs: Which is the Best to Invest Your Emergency Fund?

Emergency funds are lifesavers. Literally! It is the only reason you need to park your Emergency Fund in the right investment instrument. But how do you find the right one? 3factors decide the right investment instrument: Principal Safety, Liquidity, and Return. And the dilemma is always between Liquid Funds and Company Fixed Deposits (Corporate FD). … Continue reading Liquid Funds vs. Company FDs: Which is the Best to Invest Your Emergency Fund?

Categories Retirement Planning

NPS Vs. Equity Mutual Fund: Which is Better for Retirement Planning?

National Pension Scheme is undoubtedly the best investment instrument for retirement from the Govt. of India. It invests in Govt. bonds, corporate bonds, and equity schemes by evaluating your risk profile. The exposure to the equity market with the long lock-in period makes the right combination. It is ideal because equity investment is not a … Continue reading NPS Vs. Equity Mutual Fund: Which is Better for Retirement Planning?

Categories Asset Allocation

What Should Be The Percentage of Fixed Deposit Allocation in Your Portfolio?

“Diversification is an established tenet of conservative investment.” -Benjamin Graham Fixed Deposits—“the mother of safe investments”—play a significant role in portfolio diversification. But it is a fine line to walk for any investor. Your portfolio diversification has the power to mitigate investment risk or dilute your portfolio returns. It puts us in a corner with … Continue reading What Should Be The Percentage of Fixed Deposit Allocation in Your Portfolio?

Categories Financial Planning

Do Not Invest! A Mind Over Money Session for Successful Investors-Part 2

Pick any successful investor from around the world. 100% of them will have one identical learning. “Investment success is more Behavioural than Financial.” In our Mind Over Money webinar with Axis Mutual Fund, we learned the behaviour gap of investors in decision making. But then comes a moment where you have to navigate through it … Continue reading Do Not Invest! A Mind Over Money Session for Successful Investors-Part 2

Categories Retirement Planning

How Should Retirees Invest in Senior Citizen Investment Schemes?

Senior citizen investment schemes from the Govt. of India have always been kinder. Senior citizen investment schemes like SCSS offer a slightly better return rate than the others. Being a new retiree or when you are about to retire, safety takes a step forward. And all such senior citizen investment schemes start to look just … Continue reading How Should Retirees Invest in Senior Citizen Investment Schemes?

Categories Financial Planning

Do Not Invest! A Mind Over Money Session for Successful Investors-Part 1

“Do Not Invest.” may seem a little strange to come from someone in the personal finance industry. Indeed, do not invest, if you don’t have the right investment paradigm. A lack of the right investment paradigm kills your capital, kills your financial plan (if you have one), and then the worst. It kills your financial … Continue reading Do Not Invest! A Mind Over Money Session for Successful Investors-Part 1

Categories Financial Planning

How to Continue to Increase our Financial Awareness?—An Industry Insider Answers

Millions of Indian investors lose millions due to lack of financial awareness. Be it mis-selling, mis-buying, financial mis-judgements or bad financial decisions: you are capable of preventing any negative impacts on your investments. But it is only through financial awareness. We have no scarcity of financial information today. Any information you need to become a … Continue reading How to Continue to Increase our Financial Awareness?—An Industry Insider Answers