BUSINESS
Do-it-yourself does not always work in personal finance
Getting the right fit in financial products is ultimately the most liberating feeling, whether you do it yourself or not
BUSINESS
How this fintech start-up wants to bring the rich man’s investment into smaller hands
Started by three individuals, Grip Invest is a fintech start-up that aims to slice alternative investment products into smaller parts for retail investors.
BUSINESS
Review: Edelweiss Broking NCD. Should you invest?
As interest rates rise and bond yields go up, non-convertible debentures are set to become attractive. But keep an eye on the company’s credit rating
BUSINESS
The crash in small-cap funds may not be bad news. What should investors do?
After topping the charts in 2021 on the back of rising equity markets, small-cap funds have come crashing down so far this year. But they are still a good tool for long-term wealth creation if you are patient enough.
BUSINESS
Personal Finance: Are fixed deposits really your safety blanket?
Keep only as much as you need in three-five years in fixed deposits but secure your financial future through calculated risks of wealth creation
BUSINESS
Retail investors can hop and skip initial share sales
Many IPOs have left investors with losses. Instead of hoping for listing gains in IPOs, investors are better off buying stocks with a long-term perspective.
BUSINESS
EPF or NPS: Which is better for retirement planning?
EPF is an employee benefit scheme (only salaried individuals get EPF benefits), whereas any individual in any profession or work structure can use NPS to save up for their retirement.
BUSINESS
Personal Finance: Who needs a holiday budget anyway?
The point of a holiday budget is not to help you save, rather it is to ensure you enjoy your trip without the guilt and regret of over-spending
BUSINESS
Where should you invest in equities today?
Many investors are confused about what to choose when they invest -- a systematic investment plan (SIP) or a lumpsum investment. And whether they should pick an active fund or a passive one. Moneycontrol deconstructs the puzzle
BUSINESS
Debt markets race ahead of RBI and signal a rate hike. How should you handle your debt portfolio?
Don’t touch your existing debt funds, say financial planners. But if you want to invest incremental money, deploy slowly
BUSINESS
Edelweiss Housing Finance NCD Issue: Should you invest?
The issue offers a good interest rate at a time when bank fixed deposit rates are low, but a small 5-10 percent allocation may suffice, provided you understand the risks.
BUSINESS
Withdrawing your Employees’ Provident Fund corpus is a mistake you must avoid
Employees’ Provident Fund Organisation rules prohibit withdrawing your corpus during your employment years, barring a few emergencies. Making withdrawals due to sabbaticals or entrepreneurial pursuits is an easy way out. In reality, the EPF corpus will grow big silently in the background if left untouched.
BUSINESS
A B2B platform allows smallcase investing: Here are the details
For retail investors, it gives access to curated portfolios
BUSINESS
Buy now pay later: A heady cocktail of easy credit and fintech push
This immediate access to credit, with no questions asked, is perhaps a big lure for users
BUSINESS
Edelweiss Financial Services NCD Issue: Should you invest?
The proceeds from the NCD issue are to be used towards repayment of financial obligations, rather than growth
BUSINESS
Why you need equity in your portfolio even after retirement
Inflation actually eats into your returns if you keep much of your corpus parked in fixed-income instruments
BUSINESS
RBI’s Retail Direct platform for g-secs: Many positives, but still not enticing enough for retail investors
While there is a cost advantage in using RBI's direct platform, without the ease of transaction, it may take time for retail investors to warm up to it
BUSINESS
Smart-beta funds in the spotlight: Are they any better than index schemes and ETFs?
It is difficult to ascertain in advance as to which factor may be more impactful in a particular market cycle
BUSINESS
Timing the market gives great returns, but that's almost impossible for retail investors
When indices are at a new peak, it’s hard to say whether the market will move higher or lower
BUSINESS
SEBI notifies swing pricing for debt funds: Here’s what investors must know
Swing pricing is an adjustment made to the published net asset value of a mutual fund during extremely volatile circumstances
BUSINESS
IIFL Finance's NCD offer opens today: Should you invest in it?
The five-year NCD has a monthly pay-out option for those who may need regular income
BUSINESS
JM Financial’s NCD offer: Interest rate higher than FDs, but are risks worth it?
The issue opens today and the minimum application size is Rs 10,000. These NCDs have been rated AA/Stable by ICRA and CRISIL
BUSINESS
SIP inflows have been great, but are investors choosing the right funds?
Three equity-oriented categories saw the maximum net inflows. These were the ones in which new fund offers were on
BUSINESS
Should you worry about data security while sharing financial information via account aggregators?
No financial platform is without risk. But, as things stand now, the benefits of using account aggregators outweigh the risks
