Selecting Your Asset Mix Asset allocation means dedicating certain percentages of your holdings to broad asset categories like stocks, bonds, real estate and cash as a way to achieve your financial goals while managing risk. This strategy can work because… Read more
Retirement planning?
Why Start Now Very often, people postpone planning for retirement till they are very close to it. But that can leave them severely under-prepared. Consider the following findings from the Old Age Social and Income Security (Oasis) Report. Life expectancy… Read more
How to select fund?
How to select a fund? Before looking at the mutual funds available to you, it may be best to decide the mix of stock, bond, and money market funds you prefer. Some experts believe this is the most important decision… Read more
Benefits of investing in a mutual fund?
Benefits of investing in a mutual fund? As an investor, you would like to get maximum returns on your investments, but you may not have the time to continuously study the stock market to keep track of them. You… Read more
Why is the rating of a scheme important?
redit rating agencies (CRAs) assign ratings to mutual fund (MF) schemes which invest entirely, or mostly, in debt. The ratings are based on the overall exposure to default risk, with regard to timely receipt of payments from the investments the… Read more
Rating symbol and definition for short term debt instrument
Rating Symbols and Definitions for Short Term Debt Instruments Symbols Rating Definition These instruments are with original maturity exeeding one year CARE A1 – Instruments with this rating are considered to have very strong degree of safety regarding timely payment… Read more
Real estate a fantastic investment?
If yes, are the math tools available to prove that? If no, are the math tools available to prove that point of view? The jury is still out there to judge these questions and there are no clear answers…. Read more
FINANCIAL GOAL SETTING IS STEP ONE IN FINANCIAL PLANNING
Goal Setting is deciding the end-point of your planning exercise – determining where you want to go. The more tangible your goals, the easier it is to plan for their realization. Begin by listing both your short and long term… Read more
RISK IS NORMALLY NOT VISIBLE…
The problem with risk is it is generally not visible. In most cases we wish to avoid it by PRETENDING that it is not there, or ignoring our inner voice which keeps telling us that there is risk. The worst… Read more
Why you MUST buy Real Estate…
Let me tell you WHO should buy REAL ESTATE, how much, and with how much leverage: Assumptions: You are a 48 year old male with a CTC of Rs. 70L, your wife works too and has an income of… Read more