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Larissa Fernand

Writes On Personal Finance And Investing, .

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 

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

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