Moneycontrol PRO
you are here: HomeAuthor

Dev Ashish

SEBI Registered Investment Advisor (RIA) And Founder

StableInvestor.com

When a fall in tech company shares affects your ESOPs

BUSINESS

When a fall in tech company shares affects your ESOPs

The crash in share prices of technology companies on the US markets reminds us of a painful lesson: Don’t let employee stock option plans become too big in your investment portfolio

Looking to buy your first house? Take a calculated view sans family or peer pressure

BUSINESS

Looking to buy your first house? Take a calculated view sans family or peer pressure

Interest on home loans has risen lately, making house purchases that much costlier. However, owning a house does give a feeling of security that isn’t easy to quantify mathematically.

Three investment options to secure your child’s future

BUSINESS

Three investment options to secure your child’s future

The mix of investments largely depends on your time horizon for the same, the size of your target amount, and your risk profile

How to make the most of fixed deposits in 3 easy steps

BUSINESS

How to make the most of fixed deposits in 3 easy steps

Fixed deposit ‘laddering’ is about dividing your FD investments and spreading them over multiple smaller FDs with different maturity periods.

A loan or liquidating your assets? What to do when you need cash?

BUSINESS

A loan or liquidating your assets? What to do when you need cash?

While being loan-free, no doubt is the best thing, people have different requirements and different circumstances. It’s always better to do an objective cost-benefit analysis before you decide which path to take.

Here are two good investments for those over 60 and seeking regular income

BUSINESS

Here are two good investments for those over 60 and seeking regular income

The Senior Citizen Savings Scheme and PM Vaya Vandana Yojana are two investment schemes that guarantee regular income to senior citizens. However, the two come with upper limits. That is why you cannot ignore equities at the same time.

Ready-to-move or under-construction apartment: Which is better?

BUSINESS

Ready-to-move or under-construction apartment: Which is better?

An under-construction property is cheaper, but could be delayed if the builder hasn’t got the approvals or if conditions turn bad. A flat that’s ready for possession is costlier because there is more surety of availability.

The golden rules of rebalancing your mutual fund portfolio

BUSINESS

The golden rules of rebalancing your mutual fund portfolio

Rebalancing is as important as investing. You can do it once a year, or when your asset allocation deviates from your original plans.

Room rent limit in health insurance plan: The devil’s in the detail

BUSINESS

Room rent limit in health insurance plan: The devil’s in the detail

The cap on room rent plays the biggest role in deciding the actual amount your insurer pays to settle your hospital bills.

Retired? These are the best financial investments to earn a regular income

BUSINESS

Retired? These are the best financial investments to earn a regular income

Low (or no) income, combined with consistent expenses, particularly on healthcare, can lead to a lot of stress after retirement. Retired folks therefore need a regular income as well as investments that will grow over 20 years at least.

MC Explains: Why are NAVs of direct and regular plans of mutual funds different?

BUSINESS

MC Explains: Why are NAVs of direct and regular plans of mutual funds different?

Regular plans of mutual funds are offered by distributors. These plans come embedded with distributor commission that brings down the NAVs by a bit. A direct plan is meant for those who wish to go directly to a mutual fund or through a fee-based investment advisor.

Is your life insurance maturity amount always tax-free?

BUSINESS

Is your life insurance maturity amount always tax-free?

Section 10 (10D) of the Income-tax Act decides whether the maturity proceeds of your life insurance policy will be tax-free or not.

Don’t like to take equity risks to save up for your future? There’s a way out

BUSINESS

Don’t like to take equity risks to save up for your future? There’s a way out

It’s advisable to have a bit of equity in every portfolio because inflation is a reality. And it can eat into your returns. Conservative investors can take gradual steps. Here are a few investment strategies.

Got multiple health insurance policies? Here’s how to make claims from both

BUSINESS

Got multiple health insurance policies? Here’s how to make claims from both

If you have one insurance policy provided by your employer and another as a personal cover, it’s best to use the office-provided cover first. That’s the easier of the two to claim reimbursements from.

Do you really need a Rs 1-crore health insurance cover?

BUSINESS

Do you really need a Rs 1-crore health insurance cover?

Don’t just get attracted to an optically large figure of Rs 1 crore for a health insurance cover. Before purchasing such a policy, make sure you have understood its limitations well.

Does a gold-silver combo mutual fund make sense for investors?

BUSINESS

Does a gold-silver combo mutual fund make sense for investors?

If you want to handle just one ETF for precious metals then a combined ETF with 50:50 allocation to silver and gold is an option. A gold ETF, though, is a more compelling investment.

Should you invest in momentum funds?

BUSINESS

Should you invest in momentum funds?

They should not substitute for your large-cap allocation. Can be a satellite equity portfolio at best.

How much money do you need to be truly financially free?

BUSINESS

How much money do you need to be truly financially free?

Financial freedom can be achieved by following good financial habits, proper planning and investing.

What to do when your fund manager quits?

BUSINESS

What to do when your fund manager quits?

If after a few quarters of a fund manager’s exit, there is a deterioration in the fund’s relative performance or major changes in the funds style/strategy, then it is better to consider exiting.

Using RBI Retail Direct for bond investments is safe but not tax friendly

BUSINESS

Using RBI Retail Direct for bond investments is safe but not tax friendly

This platform is a solid option for investors who intend to hold bonds until maturity.

How to generate Rs 50,000 pension per month from NPS?

BUSINESS

How to generate Rs 50,000 pension per month from NPS?

NPS is a long-term commitment and takes decades to deliver. But it is still an excellent instrument that rightly focuses on putting in place a pension income for the retirement years.

Accumulation Vs. distribution: How retirement planning differs in 2 phases?

BUSINESS

Accumulation Vs. distribution: How retirement planning differs in 2 phases?

Make sure that you have a proper retirement strategy that is designed to adapt and change with the phases.

Nasdaq-100 or FANG+? Which US tech index should aggressive investors opt for?

BUSINESS

Nasdaq-100 or FANG+? Which US tech index should aggressive investors opt for?

Once your domestic portfolio is set up and running, it is advisable to have some international exposure as well. A 10% exposure to international markets is a good target to have initially.

Rely on ‘invest more’ rather than seeking ‘higher returns’ to reach your financial goals

BUSINESS

Rely on ‘invest more’ rather than seeking ‘higher returns’ to reach your financial goals

If you wish to increase the probability of investment success, don’t rely on high returns, as they come with a lot of risks. Instead, focus on investing the right amounts to help you reach your goals in time.