BUSINESS
Why the Budget should not play a key role in managing your personal finance
There may be changes in tax slabs, hike or reduction (hopefully) in capital gains taxes, the launch of new savings instruments, etc. But, more or less, nothing dramatic happens
BUSINESS
When should you approach a financial advisor?
Managing personal finance isn’t rocket science. But if it’s not your thing, then outsource it
BUSINESS
What should your mutual fund SIP frequency be: daily, weekly or monthly?
If one really wants to take benefits from sharp periodic market corrections, then that is best done via making a few lump-sum investments that supplement the regular SIPs
BUSINESS
How much should you allocate to international funds?
You should consider international funds only after you have a well-diversified domestic portfolio
BUSINESS
How to reduce the number of equity mutual funds in your portfolio
If a fund is consistently underperforming its benchmark and category peers, consider exiting such underperformers quickly
BUSINESS
Do you need multiple term insurance policies as you age?
Increase the cover of your existing policy. Else, go ahead and buy a new term insurance plan to cover the deficit amount
BUSINESS
How to maintain a healthy mix of active and passive mutual funds in your portfolio
Investing in passive funds/ETFs eliminates the risk of underperformance. But it also removes the potential for higher returns than the benchmark.
BUSINESS
Banking and PSU debt mutual funds carry low credit risk, but should you invest in them now?
This category works best if you invest for at least 2-3 years or longer
BUSINESS
Equity markets are down 7% from recent highs: Should you invest more now?
If you are investing for the long term, then it’s like getting equities at a discount
BUSINESS
Face irregular cashflows? Invest lump-sums in mutual funds by following these steps
While SIPs hog all the limelight, they are not the only means to investing in mutual funds. You can always invest lump-sums as well
BUSINESS
Saving for your daughter’s future? A mix of Sukanya Samriddhi and equity funds works best
You would have to rebalance periodically and gradually reduce equity as you get closer to the goal
BUSINESS
Do you really need balanced advantage funds for your portfolio?
This category is best suited for reducing the impact of a major fall on your portfolio. In a rising market, these won’t give returns of pure equity funds
BUSINESS
Which are the best passive mutual funds for your portfolio?
Having passive large-cap index funds is a great idea for the core of the portfolio
BUSINESS
Reached your financial goal early? Avoid greed for more returns, move to safer investments
If the money goal is less than three years away, redeem from equities and reinvest the amount in debt instruments with lower risks and stable returns
BUSINESS
Do relatives often rush to you for emergency funds? Your own finances could get hurt
Helping others is great. You also need to ensure that those around you start managing their own finances in a better manner
BUSINESS
With its strong correlation to the Nifty 50, does the Total Market Index provide diversification?
The returns of Nifty 750 and that of Nifty 50 are expected to be quite similar, most of the times
BUSINESS
Paytm, Mobikwik, Nykaa and others to list soon: Here’s how retail investors can pick the right IPOs
You may have a short-term view and invest a few thousands to get some cool listing gains. But real wealth is created when you invest in good companies and hold them for years
BUSINESS
Investing in mutual funds based on star managers? Your portfolio could suffer
With social media and online news now becoming a constant and never-ending source of inputs, there is a tendency among many AMCs (and fund managers) to subtly build a narrative around themselves
BUSINESS
Excited about the entry of many new-age fund houses? Wait before investing in their schemes
Unless the NFOs from new fund houses offer something unique, you should not rush to invest your money
BUSINESS
SEBI approves Silver ETFs: Are they as investment worthy as gold?
Most investors look at silver as a cheaper and affordable alternative to gold. But, the demand-supply forces are quite different for both metals
BUSINESS
Want to invest in mutual funds? Here’s help on choosing the right scheme categories
Depending on the time horizon of your investment, the fund categories would be vary
BUSINESS
Got a salary hike? Splurge a bit, but focus on getting your finances in shape
Treat yourself a bit. But try to save at least 50-75 percent of your hike amount.
BUSINESS
Do you need REIT investments for your portfolio?
Real estate investment trusts are not proxies for equity, but are assets that can deliver better returns than debt instruments over the long term
BUSINESS
Require a loan to buy the iPhone 14? Don’t buy the smartphone then
If you are clearly unable to afford it, it makes no financial sense to borrow and buy the phone.
