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Larissa Fernand

Writes On Personal Finance And Investing

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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 

Personal Finance: Gold prices on the rise, are mining stocks worth a look?

BUSINESS

Personal Finance: Gold prices on the rise, are mining stocks worth a look?

Investing in mining stocks is fraught with uncertainty but, the long term demand, together with low and limited reserves of the precious metal, may make this segment worth an investment 

Personal Finance: Don’t forget the failures in the investing journey

BUSINESS

Personal Finance: Don’t forget the failures in the investing journey

We only look at success stories which gives us a skewed perception of reality

Personal Finance: How not to get carried away with every IPO

PERSONAL-FINANCE

Personal Finance: How not to get carried away with every IPO

Let good sense prevail over market frenzy and hype

Personal Finance | Should I sell now?

BUSINESS

Personal Finance | Should I sell now?

A lot of investors are getting nervous about the market’s unabated rise, but avoid acting rashly 

Your Personal Inflation is much higher than the CPI

BUSINESS

Your Personal Inflation is much higher than the CPI

Never take a conservative estimate of inflation when planning for your retirement kitty 

Personal Finance: Don’t conflate Asset Allocation with Diversification

BUSINESS

Personal Finance: Don’t conflate Asset Allocation with Diversification

Asset allocation reduces asset specific risk, and diversification reduces investment specific risk

Personal Finance: How to invest when nothing is under your control

BUSINESS

Personal Finance: How to invest when nothing is under your control

Investing is a game of probabilities, where most of what happens is outside our control 

Personal Finance: Four things to remember when you invest in a thematic fund

BUSINESS

Personal Finance: Four things to remember when you invest in a thematic fund

Don’t jump into a sector or theme because it has had a great run and the NFO sounds tempting

Personal Finance: How should you invest at 80,000 levels?

BUSINESS

Personal Finance: How should you invest at 80,000 levels?

Don’t get distracted by the market noise or nervous at market heights; focus on what you are buying

Personal Finance | Smart investors average up

BUSINESS

Personal Finance | Smart investors average up

When it comes to high-quality businesses, there will be multiple opportunities to buy more shares, even at higher prices than the original acquisition cost 

Personal Finance: Volatility in equity markets should never worry you

PERSONAL-FINANCE

Personal Finance: Volatility in equity markets should never worry you

Volatility is not a risk, but your behaviour in response to volatility will make or break your portfolio

Personal Finance: Should young investors buy stocks?

BUSINESS

Personal Finance: Should young investors buy stocks?

Young people are often under the impression that they can “afford to make losses” since they are young

Personal Finance: The dangers of going all in

BUSINESS

Personal Finance: The dangers of going all in

Never bet heavily on one fund or stock. Pay heed to position sizing

Personal Finance: Buy the dip, but know which dip to focus on

BUSINESS

Personal Finance: Buy the dip, but know which dip to focus on

Investors must observe dips in their individual stock price and also focus on their businesses, rather than index levels

Personal Finance | Manufacturing Funds: The latest craze

BUSINESS

Personal Finance | Manufacturing Funds: The latest craze

It is not easy playing the manufacturing theme; here are some facts to consider while choosing the right option 

Personal Finance: Six rules that dividend stock investors should not ignore

BUSINESS

Personal Finance: Six rules that dividend stock investors should not ignore

In the hunt for better yields, ensure you steer clear of some common mistakes 

Personal Finance: Four financial rules that you should not take seriously

BUSINESS

Personal Finance: Four financial rules that you should not take seriously

If you believe these investment rules are written in stone, you will get played

Personal Finance: Three investing pointers every woman needs to know

BUSINESS

Personal Finance: Three investing pointers every woman needs to know

Women are inherently risk-averse simply because they have been conditioned to be conservative with their investments

Personal Finance: Break an HDFC Bank deposit to buy its stock, a masterstroke or a fool’s errand?

BUSINESS

Personal Finance: Break an HDFC Bank deposit to buy its stock, a masterstroke or a fool’s errand?

This casual remark on social media reveals a lot about how savers or investors think about their portfolio

Personal Finance: Couples should have the money talk early, to avoid misery later

BUSINESS

Personal Finance: Couples should have the money talk early, to avoid misery later

Money is not a romantic discussion. But neither is it one that can be swept under the table

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