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Larissa Fernand

Writes On Personal Finance And Investing

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Personal Finance | Don’t let the listless market force your hand

BUSINESS

Personal Finance | Don’t let the listless market force your hand

A sideways market is often tiresome for investors and could push you towards exiting the market 

Personal Finance: How to put PE ratio to use in analysing stocks

BUSINESS

Personal Finance: How to put PE ratio to use in analysing stocks

It is worthwhile to understand some factors that impact the PE ratio of companies 

Personal Finance | A primer on how to use PE in investing

PERSONAL-FINANCE

Personal Finance | A primer on how to use PE in investing

What are the determining factors in a PE ratio 

Personal Finance: Is buy-and-hold a valid market strategy?

PERSONAL-FINANCE

Personal Finance: Is buy-and-hold a valid market strategy?

Personal Finance | Think biologically when it comes to investing

BUSINESS

Personal Finance | Think biologically when it comes to investing

Investors need to view investing from an evolutionary perspective as stock markets do not care for your convictions or financial desperation

Personal Finance | Don’t sell for the wrong reason

PERSONAL-FINANCE

Personal Finance | Don’t sell for the wrong reason

A loss is not a mistake. The latter will need you to sell, not the former

Personal Finance | This mistake of indulgence could leave you old and broke

BUSINESS

Personal Finance | This mistake of indulgence could leave you old and broke

As you earn more, stay wary of ‘lifestyle creep’ 

Personal Finance: Do you have the gut to be a trader?

PERSONAL-FINANCE

Personal Finance: Do you have the gut to be a trader?

Trading is not one dimensional, it is not about having certainty of a profitable trade nor is it about being able to predict future market movements 

Personal Finance: The fine line between Speculating and Investing

BUSINESS

Personal Finance: The fine line between Speculating and Investing

Your decision to speculate should be dependent on your mindset and the ability of your portfolio to sustain a loss

Is gold a safe haven?

BUSINESS

Is gold a safe haven?

Gold is not considered a productive asset as it does not generate cash flows but is still an excellent portfolio diversifier 

Personal Finance: The big market risk investors ignore near their retirement

BUSINESS

Personal Finance: The big market risk investors ignore near their retirement

Pay heed. Withdrawing funds for retirement during a market decline has the potential to destroy the longevity of your portfolio 

Personal Finance | Getting the valuation game right is key to equity investing

PERSONAL-FINANCE

Personal Finance | Getting the valuation game right is key to equity investing

In the complex game of valuation of a business to invest in its equities, here are some useful insights that you could focus on 

Personal Finance | When to sell your investments?

BUSINESS

Personal Finance | When to sell your investments?

As investors, the decision to sell can often feel like walking a tightrope—balancing market uncertainty, personal goals, and fund performance. It’s not always about the market’s moves but understanding the deeper triggers that guide an exit strategy

Personal Finance: Are women risk averse?

BUSINESS

Personal Finance: Are women risk averse?

It is time to shed staid narratives and be objective in making your financial plan

Personal Finance | All eyes on market valuations

BUSINESS

Personal Finance | All eyes on market valuations

Returns are significantly influenced by the price paid to acquire the asset and no matter how good it is, you may end up overpaying 

Personal Finance | View the market through a long-term lens

BUSINESS

Personal Finance | View the market through a long-term lens

Personal Finance: How long will the longest bull run last?

BUSINESS

Personal Finance: How long will the longest bull run last?

Investors go all out into equities in a bull run. Recency Bias sets in making them believe that the run will not end for a long time

Personal Finance | You cannot make money without a long-term mindset

BUSINESS

Personal Finance | You cannot make money without a long-term mindset

Market irrationality can last a very long time – be it exuberance or dismay. By sticking to your SIP, you don’t fall prey emotionally to the prevailing sentiment

Personal Finance: Step into 2025 cautiously, there’s a lot of uncertainty ahead

BUSINESS

Personal Finance: Step into 2025 cautiously, there’s a lot of uncertainty ahead

The risk is not in the market, but in your portfolio

Personal Finance: Why the angst against SIP is futile

BUSINESS

Personal Finance: Why the angst against SIP is futile

The SIP is not just a narrative, it helps practically and overcomes psychological impediments

Personal Finance | Are multi-asset funds the best solution for proper asset allocation?

BUSINESS

Personal Finance | Are multi-asset funds the best solution for proper asset allocation?

Don’t buy a multi-asset fund and assume that your asset allocation is automatically taken care of 

Personal Finance | Rent vs Buying: The futility of the debate

BUSINESS

Personal Finance | Rent vs Buying: The futility of the debate

The need for polarised views is unjustified. One is not superior to the other. It is never a pure financial decision, so don’t fall for the stale clichés 

Personal Finance: Every asset is not meant to shoot out the lights

BUSINESS

Personal Finance: Every asset is not meant to shoot out the lights

You portfolio can’t be in a perpetual bullish state. Always keep asset allocation in mind

Personal Finance | How to put the odds in your favour in equities

BUSINESS

Personal Finance | How to put the odds in your favour in equities

Even if you buy at the high, but do not lose your nerve and hold through a decline, you will do well when you catch the next high 

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