BUSINESS
How to accumulate gold for your children's wedding?
Accumulating gold through Sovereign Gold Bonds presents a viable alternative to buying physical gold
BUSINESS
How to choose between personal loans and credit cards for urgent needs
Using a credit card is better for smaller amounts that you can easily repay in a few weeks. However, if the required amount is large and you would not be able to pay it back fully soon, then taking a personal loan is advisable.
BUSINESS
When keeping an eye on your credit score, don’t lose sight of the credit utilisation ratio
If the ratio is high and consistently so, it might indicate the individual is relying heavily on credit and may be under financial stress.
BUSINESS
Here's an ideal mix of bank and high-interest NBFC deposits for your debt portfolio
The money set aside as an emergency fund should be kept in bank FDs. You don’t want such funds stuck with financially strained NBFCs or companies.
TRENDS
Tempted by the market rally? Know the risks well before investing in smallcap funds
One should pick funds carefully and have the patience to stay invested for at least 5-7 years.
BUSINESS
Seeking home loan freedom? Slash years and save lakhs with this prepayment strategy
Pay one extra EMI each year plus increase EMIs by 7.5 percent each year to pay off your 25-year home loan in just 10 years.
BUSINESS
SEBI has introduced 6 new ESG flavours, but is there a case for investing in such funds?
ESG funds as a category never really took off and still have just over Rs 10,000 crore in combined AUM across a handful of schemes. These new categories will only create confusion instead of funnelling funds.
BUSINESS
Will Zerodha’s proposed scheme put the spotlight on Nifty LargeMidcap 250?
Right now, only Edelweiss MF has a scheme based on the Nifty LargeMidcap 250 index. Soon, Zerodha Mutual Fund will launch two schemes on this index. The index provides an interesting proposition, but you must understand what it is made of, before buying.
BUSINESS
Nifty Next 50 or Nifty Midcap 150: Which is a better bet?
Next 50 is made up of companies which are technically large-cap stocks within the 100 largest stocks by market capitalisation. Nifty Midcap 150 is made up of top 150 mid-cap stocks. But their nature, returns profile and volatility are quite similar, and a comparison before investing is useful
BUSINESS
In your 30s to 40s now? Here’s how to reach Rs 10 crore by 60
The key to accumulating wealth by the time you retire is to start early. The more time you give your investments, the less you need to set aside every month
BUSINESS
How to use EPF, PPF, and NPS (G+C) to handle the debt side of your long-term portfolio
In a long-term portfolio, debt provides a balance against the gyrations of the equity component. Read on to find out how to benefit most from it.
BUSINESS
How much money do you need to retire comfortably?
The ‘30X Rule of Retirement’ is a good strategy to adopt when planning for your retirement. But bear in mind that it is just a measure to see how far away you are from that goal. Actual retirement planning calls for many variables that are dynamic. Be prepared for your assumptions to go astray when you actually retire.
BUSINESS
Retiring in a few years? Don’t skip de-risking your retirement corpus for sequence-of-return risk
Start reducing the equity allocation of your corpus as you get closer to retirement. Begin this exercise several years before your retirement target date.
BUSINESS
Here’s what you need to be mindful of while choosing passive index funds for your MF portfolio
Large-cap index funds are the most suitable category for most investors looking to start their own passive investments.
BUSINESS
Smart investing: When exactly should you invest in a Focused Fund scheme?
A Focused Fund is not meant for everyone, as the returns can be quite similar to those of a Flexi-cap fund. Yet for some investors, a focused fund makes sense, but scheme selection is crucial.
BUSINESS
With RBI hitting a pause, what happens to your EMIs?
The central bank holding off on a rate hike will bring some much-needed relief to borrowers by not pushing up their monthly outgo or interest for now.
BUSINESS
Is it a good time to invest in RBI Floating Rate Savings Bonds?
If rates are on the rise at this stage, investors must keep in mind that they will likely fall at some point of the seven-year tenure of the bonds.
BUSINESS
Credit cards are useful, but an emergency fund they ain’t
Credit cards are just a mode of payment not a permanent source of funds. They cannot and should not be a replacement for having a separate emergency fund. Or for living within your means, for that matter.
BUSINESS
Large, mid or smallcap? Find out which fund suits you the best
Different people will have different opinions on how to build a mutual fund portfolio and how much to allocate to different segments. But given the nature of stocks in different marketcaps and their risk-return profiles, the allocation will definitely vary for investors of different risk profiles
BUSINESS
Fixed deposits: Three pointers to resolve the dilemma of peak interest rates
FD rates may be close to their peaks and it might be a good time to begin locking them – at least partly – in sufficiently long tenures
BUSINESS
Largecap & flexicap funds: Do you need one, or both, in your portfolio?
For conservative investors who look for a small allocation to equity, investing in largecap funds is the way to go, while for aggressive investors, flexicap funds can be the choice.
BUSINESS
In your 30s and not yet invested in mutual funds? Here’s how to make a start
You are not too young in your 30s, but not old either. The 30s is an important phase of your life with many things getting started here, such as your marriage, family, buying a new home, and so on. The financial decisions you take in your 30s will have a big impact on the rest of your financial life.
BUSINESS
Active vs Auto: Which National Pension Scheme investment choice is better for FY2023-24?
Go for 'Active' choice if you have the time and skill to actively rebalance your NPS corpus regularly; pick Auto if you want to outsource asset allocation decision-making.
BUSINESS
Risk and reward: Why Nifty Next 50 index funds are a double-edged sword
Financial advisors typically recommend a blend of the Nifty 50 and Nifty Next 50 to make up your largecap portfolio. But there are ways to reduce Nifty Next 50 risk levels with alternatives.
