BUSINESS
Passive ELSS Funds: What new can they offer?
SEBI has asked fund houses to choose between active or passive ELSS ― they are not allowed to offer both. The logic for this may be to avoid clutter in the MF space, and encourage new AMCs to offer passive ELSS. Going forward, one hopes SEBI allows fund houses to offer both versions.
BUSINESS
Here's how to build a passive-only portfolio using Index Funds and ETFs
Index funds and ETFs both are good options for passive investing. Although ETFs have lower expense ratios than index funds, at times, lack of liquidity can lead to poor pricing of units.
BUSINESS
Do thematic funds fit into your mutual fund portfolio?
If you choose the wrong theme and invest too early or too late, the returns can be spectacularly bad. So it’s a high-risk, high-return kind of bet.
BUSINESS
Can one portfolio help you reach multiple goals?
Your financial goals could be immediate, medium-term or long-term. A single portfolio for all your goals might end up compromising some of them, especially if you have to make a large withdrawal.
BUSINESS
In your 40s and haven’t saved enough? It’s not as bad as you think
Most investors focus more on getting higher returns. But when you are just starting, 'saving more' is a lot more important than higher returns
BUSINESS
Should you invest in ESG funds if you have already invested in other fund categories?
The idea of ESG is still nascent in India. Add to it that the ESG dataset itself is not too reliable, and it’s clear that it is too early to start betting on this theme.
BUSINESS
What to do when your PPF completes 15 years?
Public Provident Fund, arguably one of the best fixed-income investments, comes with a 15-year tenure. But there is a way to continue it without locking in your money for another 15 years
BUSINESS
Expected but unscheduled. What does RBI’s rate hike mean for investors and borrowers?
The interest rate hike will also impact equity markets, which thrive on liquidity. How the US Fed treats its own interest rates will further determine which direction the equity markets will go
BUSINESS
Is it okay to invest everything in equities?
Equities may give higher returns than debt over the long term. Financial advisors recommend investing in equity for wealth creation. But that doesn’t mean that fixed income investments have zero role to play in your moneybox
BUSINESS
Credit cards are not evil; just understand the maths to use them smartly
Don’t get into hacks like revolving credit card usage, and maintaining multiple cards, to get longer interest-free periods that many influencers promote these days.
BUSINESS
Retiring with Rs 2 crore - How to invest corpus for regular income so it lasts for decades
Divide the corpus into two buckets – one, to meet short-term needs through investment in debt funds, and the other to help grow the corpus through investments in a variety of instruments including equity.
BUSINESS
How to use increments and bonuses to boost finances wisely this year?
A bonus can be used to clear credit card or personal loans, and if that doesn’t help, then a part of the salary increment can go towards repaying dues
BUSINESS
Do you need to be rich to afford a financial planner?
Having a proper goal-based plan that is diligently implemented can lead to considerably better financial outcomes
BUSINESS
Eager to buy a house? Check your readiness first
When you are purchasing a house, you won’t get the full amount as a loan. The lenders want the borrowers to put up a minimum 15-20 percent of the cost themselves
BUSINESS
These two types of funds aim to manage market volatility. But one of them is more flexible than the other
Dynamic asset allocation and aggressive hybrid funds invest across equity and debt. But one maintains a steady equity allocation usually while the other swings wildly.
BUSINESS
Too many financial goals, but not enough income. What to do?
Despite having a high income, many savers aren’t able to save enough for all their financial goals. Something’s got to give, in such cases.
BUSINESS
Should you stop your SIPs and withdraw as the Russia-Ukraine war escalates?
Markets always recover. So, think ahead and use dips to buy more equities. You’ll benefit when there is a rebound
BUSINESS
Why planning your investments is more important than tracking your expenses
To reach your goals, you need to save and invest first
BUSINESS
Wish to invest in debt funds for long-term goals? Here’s help
While picking funds, make sure you choose schemes across categories to combine portfolios of different maturities
BUSINESS
Should you pay off your home loan before investing for retirement?
Only high-cost debts such as credit card balances and personal loans must be paid off immediately. Low-interest loans can be repaid gradually.
BUSINESS
How to build your mutual fund portfolio from scratch
It’s always a good idea to have goal-specific portfolios
BUSINESS
Investing in tax-saving mutual funds: How to choose between lump-sums and SIPs
When you invest a lump-sum in ELSS funds (or any equity instrument), knowingly or unknowingly, you are trying to time the market
BUSINESS
During market falls, worry about your corpus rather than your SIPs
Being stuck in the dilemma of whether to stop or continue SIPs, many forget about their existing portfolio
BUSINESS
Should clarity on taxing cryptocurrencies push you into trading in them?
If you are a conservative investor, then ignore cryptocurrencies
