BUSINESS
Personal Finance| Is credit risk worth the return premium it offers?
Investors must not commit for a very long tenure as secondary market liquidity for corporate bonds is limited. Longer tenures can throw up negative surprises
BUSINESS
What to look for when investing in NCDs
Look beyond the returns promised and focus on the fundamental strength of the issuing company.
BUSINESS
Personal Finance: With Nifty crossing 19k, should investors sell equities?
Equities are scaling new highs, yet it may be prudent for investors to stay focused and close to one’s goals instead of acting hastily
BUSINESS
Personal Finance: Prepaying your home loan early on can save you lakhs
BUSINESS
Personal Finance: Would you like to build a start-up portfolio?
The risk-return experience of curated start-up portfolios is anecdotal. There is no formal assessment or data and it is still early days….
BUSINESS
IIFL Finance NCD issue opens today: Should you invest?
While IIFL is an established company and the NCDs offer a high rate of return along with regular income, it is paramount that you understand risks related to NCD investments, for returns are not guaranteed.
BUSINESS
Your first salary should be where your investment journey begins
Many first-time employees baulk at investing their first salary because they feel it is too low. All it takes is Rs 500 to start a SIP in a mutual fund.
BUSINESS
Got your first job? Now here’s where you should put your money
A modest salary at the beginning of your career should not deter you from opening your investment account. Instead, first-time job seekers should focus on the advantage they have over others; the benefit of time. And that’s why equities make sense.
BUSINESS
Are your equity funds investing in the same stocks?
A Moneycontrol analysis of the 15 largest diversified equity funds shows that the 10 biggest contribute between Rs 8,817 crore and Rs 28,000 crore worth of market capital each. Small- and mid-cap funds take different paths. Here is a look at the pluses and minuses of diversification through Mutual Funds.
BUSINESS
Personal Finance: AIFs, PMS or MFs - making the right choice
Mutual fund schemes are relatively uniform in cost structures as compared to AIFs and PMS which can come with a performance-linked fee along with a fixed fee
BUSINESS
Personal Finance: Why did my large cap, blue-chip stock correct so sharply?
Infosys’s sharp drop in its price in a single day was not an exception. Investors need to attune their strategy to deal with volatile price movement in large caps too
TRENDS
How To Get Rich Netflix show review: Getting rich is more about your life’s values than money
This show will help you realize that there's more to money problems than just the numbers. What it won’t do is make you flush with money or even shell out ideas on how to improve RoI.
BUSINESS
Personal Finance: How to build trust in your wealth advisor?
Having an advisor doesn’t eliminate product risk, you have to understand and seek calculated risk to earn long term returns
BUSINESS
Four tax-saving tools for your investment portfolio
Although there are many such financial investments available, not all would suit your risk profile and requirements. Investing in the wrong instrument just to save on taxes is like boarding a wrong train
BUSINESS
Three important things you must check before buying health insurance
Don’t just go for the policy with the lowest premium. Conditions could apply, and you could end up spending a lot more than you saved on the premium.
BUSINESS
Personal Finance: Lessons for Indian deposit holders from SVB’s collapse
Depositors must not assume inherent safety of bank deposits. Greater vigilance in entrusting deposits and diversifying should mitigate the risk of losing your money
BUSINESS
Three tips for freelancers for a healthy and wealthy life
Freelancers and gig workers have the freedom to work on assignments they love the most. But their income can be uncertain and volatile. A good financial plan is necessary to tide over lean periods with low or nil income.
BUSINESS
Personal Finance: Tackling high tax collected at source on overseas investments
The proposed 20 per cent tax at source on overseas investments could deter incremental investments. But is this a temporary measure to combat inflation and pressure on the currency?
BUSINESS
How long will it take to build Rs 10 crore of wealth purely by investing?
Systematic investing is just part of the plan to reach your financial goals. The secret lies in topping up investments periodically, like booster doses.
BUSINESS
Personal Finance: Time to invest for optimal returns as tax arbitrage loses sheen
The recent tax resets indicate that the period of benefiting from tax arbitrage will soon end. Investors must focus on building wealth through efficient investing and focusing on risk-return
BUSINESS
Personal Finance: A boring bond, not worth ignoring
Sovereign Gold Bonds are an efficient way to invest in gold. But they shouldn’t take the place of fixed income instruments in your portfolio
BUSINESS
Budget 2023 deals a tax blow to REITs and InvITs. Should investors sell?
The Budget has proposed taxing the repayment of the debt portion distributed to investors. Experts say that there is value in select REITs and InvITs.
BUSINESS
Did your balanced advantage fund protect you from volatility last year?
BAFs may be marketed as an antidote to volatility (while still making money), but don’t judge them on the basis of just one year’s performance.
BUSINESS
Personal Finance: A life insurance policy or fixed income investment? What to choose?
Guaranteed life insurance plans may be a neat fit in retirement or estate planning where stable returns or passing on wealth to the next generation are being considered
