BUSINESS
Invest Wise | How to turn your passion into a plan
An early start in allocating some of our savings towards our dreams makes it much more likely that we would be able to pursue our passions.
BUSINESS
Invest Wise: Long-term SIPs and top-ups will help build a sizeable corpus
Also, it does not really matter which day or date you invest on, as returns tend to converge over an extended period.
BUSINESS
What investment opportunities does Gift city offer to NRIs?
NRIs and other international investors can now invest in India without the need to convert the money to INR (reduced exchange risk) while availing of a simplified tax structure (no withholding tax, TDS or GST). Also, they can invest remotely.
BUSINESS
Invest Wise | Hybrid funds: Are they a good bet for the current market phase?
For an investor who does not have the time or inclination to keep re-balancing h/her portfolio, this category of products allows them to invest in a single mutual fund and in the background the fund manager manages the allocation.
BUSINESS
Invest Wise | What do cash levels of equity mutual funds tell us?
The cash level of the overall equity mutual fund industry was 5.4 percent in July (up from 4.6 percent in June). Analysing the cash or cash equivalent of a mutual fund is one more tool which can help better understand the way a fund manager is managing the fund, and enable us to make an informed investment decision.
BUSINESS
Factor index funds: Why a smart combination can help outperform plain-vanilla indices
These funds can outperform generic index portfolios. However, not every factor fund is relevant, and one needs to go with data and analysis. Further, follow the age-old principle: only invest in what’s aligned to your investment objectives and what you understand well
BUSINESS
Invest Wise | Do taxation changes in Budget 2024 call for a change in asset allocation?
While tax changes always add a new angle to investment planning, they cannot be the sole driver for portfolio construction, which should be based on one’s goals and risk appetite.
BUSINESS
What inclusion of India Bonds in the JP Morgan Index means
Indian sovereign bonds in the JP Morgan Government Bond Index – Emerging Market later this month would add the much-needed depth to the Indian bond market and could be the start of larger capital inflows on the debt side.
BUSINESS
Invest Wise | Equity markets may not be as expensive as they look
It is important that we invest in equity as per our risk appetite, preferred asset allocation, and if the investment horizon is long and aligned to our goals, for one cannot rule out higher-than-normal volatility in the next few months
BUSINESS
Invest Wise | Should you invest in the National Pension System?
The NPS is not very well understood as many people treat it just as a means to maximise tax deductions and reduce the tax payable. The advantages clearly establish that NPS is a worthy contender for some of the allocation towards your retirement portfolio. But, mutual funds should also be used to supplement the retirement corpus as they offer even more flexibility and useful diversification.
BUSINESS
Personal Finance: The way ahead for investors leaving behind the election rhetoric
The key question investors now face is how to prepare for the next few years. With the new government likely to present the budget in July, it’s time to take charge of the narrative once again
BUSINESS
Invest Wise | Term insurance for long-term goals: How much is enough?
A policyholder must aggregate the funding needs of all his goals and then arrive at how much he needs to insure for. Each individual will have different needs and thresholds, according to which his premium outgo and sum insured will vary.
BUSINESS
Invest Wise | How to finance your passion — along with everything else
If one can invest regularly towards one's goals, it is more likely that one would be able to pursue what one actually loves doing
BUSINESS
Invest wise | Planning a vacation? Get your finances right to ensure a blissful holiday
For individuals with regular cash flows, SIPs are the best way to save. That way, you can set aside some amount from your monthly income for your vacations.
BUSINESS
Invest Wise | How to generate better returns through cash flow management?
If a business has surplus capital, then that can be invested in numerous ways, while keeping one's risk tolerance in mind. It would be a win for the business as well as for the wealth management industry.
BUSINESS
Akshaya Tritiya | Can gold and silver can add glitter to your portfolio?
Many Indians follow the tradition of buying gold on the occasion of Akshaya Tritiya, as the yellow metal is seen as a symbol of prosperity and good fortune. However, investors ought to dispassionately evaluate whether gold indeed deserves a place in their portfolios.
BUSINESS
Invest Wise | How to ensure that your mutual fund SIPs aren't sub-optimal
SIPs deliver the maximum bang for the buck when aligned to goals, regularly topped up, and sustained for the long term.
BUSINESS
When More Is Less: Multi-asset funds with a higher tax rate may work wonders
For investors seeking higher risk-adjusted returns, a multi-asset fund with indexation benefits can sometimes be worth evaluating. A higher pre-indexation tax rate could be better if the investment is held for the long term.
BUSINESS
Invest Wise | Why asset allocation matters, even for HNIs
An asset allocation-driven investment approach is also helpful in navigating how to deal with one's portfolio in turbulent times. Behavioural finance is replete with examples where investors rush to add to portfolios when the markets are rising, and run for cover when they go down.
