BUSINESS
Protecting your investments from any market crash just before your retirement
An equity-heavy strategy makes sense only if you are still years away from retirement
BUSINESS
Repaid your home loan fully? Here’s what you must do with your EMI money
Clear your personal loan or credit card dues, and increase the size of your emergency fund
BUSINESS
Do investors really need fund of funds in their portfolio?
Fund of funds are better-suited for smaller investors, or those who have limited know-how
BUSINESS
The irrelevance of Kotak Mahindra mutual fund’s FMP ban
This six-month ban on FMP issuance will have little impact on Kotak Mahindra AMC’s business in the near term. SEBI wanted to - and did- send out a strong message to all AMCs that it will not let such events go unnoticed or unpunished. But do investors need FMPs at all?
BUSINESS
Are you investing enough via SIPs to reach your goals?
The starting sum can be small. But you need to continuously step up the amounts invested via SIPs to reach all your money goals
BUSINESS
Asset allocation in NPS crucial to reaching your retirement goals
If your EPF corpus isn’t very large, you can use your NPS as a debt product with high allocations to schemes G and C.
BUSINESS
Do smart-beta funds really combine the best of active and passive investing?
Any additional return from these strategic index-based funds comes with higher risk
BUSINESS
Why PMS products aren’t suitable for most retail investors
These are extremely high-risk products with concentrated portfolios. Also, The fixed fee plus performance fee structure makes PMS expensive
BUSINESS
Why living solely off stock dividends may not be sustainable
Given the vagaries of dividend payments among companies and the generally low payouts, other sources of regular income must also be considered
BUSINESS
Why target date funds must be introduced in India for retirement planning
A target-date fund uses an age-based formula to maintain the asset allocation of the investor’s retirement savings
BUSINESS
Prepaying home loan: Do it early to save more on interest
The bulk of the EMI in the initial years is for servicing interest. So, you should consider prepaying the home loan during the initial years
BUSINESS
The new Nifty Microcap 250 index: Is it suitable for retail investors?
The index is made up of companies ranked from 501 to 750, based on market capitalization. Many micro-cap companies are extremely cyclical and prone to different risks
TRENDS
Why Nifty 50 plus Nifty Next 50 isn't equal to Nifty 100
Even though all 50 companies each of Nifty 50 and Next 50 are part of the Nifty 100, the same weights of individual indices are not replicated in the larger Nifty 100 index
BUSINESS
Cryptocurrencies: Even if legal, invest only what you can afford to lose
There has been a flip-flop of sorts from different government bodies on cryptocurrencies. Aggressive investors can deploy up to 1% of their corpus in cryptocurrencies.
BUSINESS
Why picking a mutual fund that gave 100% in one year may be dangerous for your portfolio
23 equity mutual funds gave more than 100% return in past one year period. That is not necessarily good news if you are about to invest in any of them. Flashy returns from some risky funds may be one-off.
BUSINESS
Sukanya Samriddhi Yojana is a good investment for your daughter, but it's not enough
You can only make deposits in Sukanya Samriddhi Yojana till your 15th year. Although returns are higher, try topping up your girl child's savings with other options that offer greater flexibility.
BUSINESS
Nifty 50 looks attractive overnight? Don’t fuss; it’s a mathematical change
The Nifty changed the methodology for calculating the price-earnings ratio by using consolidated earnings of companies rather than standalone financials. But that doesn't make the index any cheaper
BUSINESS
Renewing your health insurance policy? Increase the coverage amount based on your current needs
At the time of renewal, you must assess your insurance needs to see if the health policy still provides sufficient coverage for your changing family and health requirements
BUSINESS
Three reasons why annuity in NPS is not such a bad idea
Although National Pension Scheme (NPS) mandates annuity for 40 percent of your corpus when you turn 60, it ensures a regular income. And the tax doesn’t hurt that much
BUSINESS
Despite government’s U-Turn on small saving interest rates, don’t rush for PPF before April 5
Many investors invest entire lumpsum in PPF between April 1-4 because of the way interest is calculated. But a closer look at this strategy reveals it does not make much difference.
BUSINESS
Why you could lose income tax deductions if you invest in ELSS funds on March 31
SEBI's new rule means that units would be allotted only when the money hits the fund house's account. Any delay could result in loss of tax deductions for this fiscal
BUSINESS
Gold prices down 20% from highs: Should you invest now?
In general, having about 5-15 percent allocation to gold in your long-term investment portfolio is a prudent approach
BUSINESS
Why Sensex and Nifty index funds are equally good investments
There is a large overlap in the portfolio of the two indices. Their returns have been similar over the long term.
BUSINESS
Why your mutual fund SIPs must keep pace with your salary hikes
Investing the same SIP amount, without increasing it periodically, may not be enough for your goals
