In a Financial Plan, there is always more emphasis on Child Education & Retirement. Child Education Plan majority times takes more importance if the inflows are limited. It’s always in mind – as it is one unspoken sacred vow. Child Education Planning is getting more complex day by day because of increasing options. On anotherRead More
Investing In Highest NAV – Still Making Money?
Investing at highest is challenging when we all have been taught to buy low and sell high. But when markets are not in a mood to regain breath and upwards journey continues, should one make investments at 52 weeks high NAV? This debate Low NAV Vs High NAV has always confused the stable investors. HereRead More
Markets are Emotionless, Blind & Zero In Math
New Year is a month away but brokerage houses and hedge fund managers have started debating on what equity markets 2018 India would be like? Morgan Stanley (which has given 1L figure for Sensex by 2030) came first in predicting 2018 to be a 7-8% returns year. Quick revert from our homegrown Prubhudhar Lilaldas thatRead More
Managing Parents Finances
Many parents like mine need a handholding and care. I noticed this when last week I visited a “sarkari bank” with my parents to renew Life Certificate (for pension). I met many elderly couples and singles who are struggling with issues like depleted PAN card or inability to write a simple application or fill theRead More
Rationale Behind Concentrated Portfolios
There is a category of equity MFs which invest in 25 or say 35 stocks only. This concentrated portfolio equity mutual fund strategy is marketed as an aggressive management. But when we speak about mutual fund benefits, the important point is DIVERSIFICATION. If a portfolio is concentrated in few stocks or few sectors, will itRead More
Fixed Deposit Vs Mutual Funds Comparison : Part 2
In part one of the Fixed Deposit Vs Mutual Funds comparison, we analyzed the existing and new ways to invest in Debt Mutual Funds. Now its time to dig deeper and learn why one should invest in Debt Funds, What are the risks in debt Funds and how these risks can be countered. Also, let’sRead More