What are the options that a person has when he/ she chooses to invest in a debt instrument? Well the choices are: 1. Bank fixed deposit – requires very little explanation. 2. Company fixed deposits – not a big range of companies… Read more
Investment hurdles servicemen face
At the basic level, the rules of financial planning remain the same: A part of your income should go towards monthly expenses, a part towards repayment of liabilities (if any), a part into saving, investment and protection, and a small… Read more
The Pros and cons of investing in Debt fund and Debenture
Recently, I came across an investment advisor, who was analysing the portfolio of a fixed maturity plan launched by a certain mutual fund house. The advisor knew quite a lot about the fixed income market and hence could grill the… Read more
Tips to improve your MF Portfolio Performance
Mutual funds have emerged as a simple yet effective medium of creating wealth across the world. In India, however, investors have had mixed experiences. The issues like mismatch between reality and expectations in terms of returns, lack of understanding about… Read more
ELSS could be the accelerator to an equity portfolio
Salaried people who come within the applicable tax brackets for their tax obligations to the government, are required to pay a large part of their taxes before the end of the financial year in March. However, to lessen their tax… Read more
Analysing the Indian MF investor
The Indian investor of the 70s and 80s was a satisfied soul. Government clearly defined areas that he could invest in and get a tax break too: in any case, he did not have funds to spare much beyond that…. Read more
Why Worry About Demonetization When You Can Monetize With Mutual Funds
The government’s demonetisation drive has opened up huge opportunities for financial services companies to press ahead with existing and prospective investors to use the electronic and digital modes of banking to invest in their products. And investors, those who are… Read more
When should you exit your mutual fund investment?
I met a prospect a few days ago in Chicago, and explained to him, among other things, our mutual fund selection process. His interest was in knowing when we recommend selling the mutual fund scheme we have invested in. I… Read more
Use mutual funds to diversify with small amounts
Investors and even some of the financial advisers often talk of a mutual fund as an investment product, as if that is an asset class in itself. They hardly realize the fact that mutual fund schemes are actually tools to… Read more
Four things you MUST NOT do while investing in MFs
When it is high tide, it lifts all the boats. Similarly in a bull market, irrespective of which fund one is investing in, an investor makes money. It is when the markets turn, that the investors find that some of… Read more