Investments
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Are Mutual Funds better than Insurance Policies?
Are mutual funds better than Insurance policies or should I continue to invest in insurance as it offer more safety of principal, is the question that bothers many investors. Many types of Insurance policies do assure you some safety of principal and assured returns, but their benefits pale when you look at the disadvantages of…
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Are Mutual Funds better than Fixed Deposits ?
We often come across the question, are mutual funds better than fixed deposits? The answer is a definitive yes. But it also depends on your investment horizon. If you are saving for the long term, mutual funds are definitely better than fixed deposits. The size of Fixed Deposits held by Commercial Banks in India is…
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Are Mutual Funds better than ULIPs ?
Are Mutual Funds better than ULIPs or should in continue to invest in ULIPs as suggested by my insurance agent, is the question which bothers many investors. Mutual Funds are definitely a better investment option as explained in this article. A ULIP (Unit Linked Insurance Plans) is an Insurance product which combines the benefits of…
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Market Watch
Note: this article was written in 2021 and reflects the specific market conditions, valuations, and allocation recommendations of that moment (post-pandemic liquidity, then-current Sensex/Nifty PE levels). It’s kept here as a historical snapshot of our thinking at the time rather than current market commentary, and the specific numbers and allocation percentages below should not be…
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Index Funds in India
Considering that Stock Market Indices are methodically calculated to reflect the best in each category, the following index funds can be considered from a 5-10 years perspective. These funds are available with several Asset Management Companies in India. Sensex FundNifty 50 Index FundNifty Next 50 Index Fund The allocation to Index Funds, Exchange Traded Funds…
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Equity Mutual Funds in Current Scenario
With Bank Fixed Deposits giving only 5%-6% returns per annum and Insurance schemes giving only 6%-8% returns per annum with long lock in periods, mutual funds are a great alternative to Bank Fixed Deposits and Insurance Schemes. Many good Equity based mutual funds have given over 12% per annum returns over the last five, ten…
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The Four Levels in Investing.
All of us are aware about investments in shares and mutual funds. We have also heard about investments in Private Equity firms and Venture Capital Firms. This articles segregates the investments in the above four investment options and how they differ from each other. There are some other types of funds such as Hedge Funds,…
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Why I need a Financial Plan?
Most people invest money in different asset classes as per their knowledge and experiences. So why do you need a financial plan? A Financial Plan is a comprehensive plan created after taking into consideration an investors financial goals, risk profile, age, income, expenses, wealth, number of dependents, life expectancy, and such factors. Its aim is…
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Financial Planning.
Financial Planning is a comprehensive term in personal finance, which includes risk profiling of the investor to find out his investment preferences and economic strengths, and to design a detailed plan to achieve his financial goals. Financial Planning starts with defining the investor’s financial needs and goals, assessing his financial strengths, and willingness and ability…
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How to mitigate Investment Risk in Mutual Fund Investments.
Mutual Funds are one of the best investment tools for investors seeking long term wealth creation. However they are widely perceived as risky. So how to mitigate investment risk in mutual fund investments? Risk of investment in Mutual Funds can be minimized by following the simple rules stated below. It does not require you to…