In the start let me clarify – I am not going to point to individuals as MF space is highly decentralized and when we say we are evaluating Investment Styles of Indian Mutual Fund Managers – We mean to say the team behind a particular fund or fund house. We know from my last postRead More
Residency Tie Breaker Rules & Relevance
We all know the individual who wishes to take relief under the Double Taxation Avoidance Agreements (or treaties) has to qualify as a tax resident of one of the countries of the treaty. But how do you assign or determine residency? By applying the Residency Test or following the Residency Tie Breaker Rules as detailedRead More
Avoiding Hindsight Investing – Study
I came across this fascinating study carried on Indian MF schemes between 2000 to 2017. It is a numerical & historical explanation of what we call – Hindsight Investing. Let’s meet the ghost… Isn’t it paradoxical that you invest for 5 years plus but look for 1 year best returns fund! We are well awareRead More
Analysis of Arogya Sanjeevani Policy
Health Insurance is a crucial matter – especially after times like Covid 19. In simple words, Health Insurance is insurance that provides cover against medical emergency expenses. It should cover almost all the diseases whether critical or common depending upon features of the policy. Being affordable is one of the features most look for. SoRead More
Changes in Personal Finance from 1 April 2021
The Financial Year 2020-21 will close on 31 March 2021. Like all new financial years, the new FY 2021-22 will have new tweaks & changes to your personal finance. The top Changes in Personal Finance from 1 April 2021 will be: Changes in Personal Finance from 1 April 2021 1 . EPF deduction above RsRead More
Why Mutual Funds Have Cash in Portfolio?
What Cash? In an Equity Schemes? Yes, in a pure Equity Scheme. Well, this might surprise some of you but Mutual Funds Have Cash do hold a good amount of cash in its portfolio. Mutual Fund Hold Cash to almost 5-10% in normal times & can go up to 50 to 60% in unfavorable marketRead More