BUSINESS
Personal Finance | Credit growth riding on personal loans spells caution for borrowers
Borrowing against assets for spending and not for asset-creation could lead to a strain on household cash flow
BUSINESS
Personal Finance | Multi-asset funds: Does diversification work?
Multi-asset schemes and the returns they give vary based on the allocation across various asset classes, duration of investment and the fund manager. Here’s how you can choose one….
BUSINESS
Is gold’s gravity-defying act reason enough to alter its long term allocation?
While debating the strength of the rally may not yield any sure answers, the question on whether to raise allocations to gold requires careful consideration
BUSINESS
Personal Finance | Panic selling is the enemy of retail investors
The amount invested in large caps, in fixed income and in gold will determine your portfolio’s ability to cushion volatile shocks from the portion invested in small caps
BUSINESS
If not Indian equities, then where?
Active allocation shifts require investors to jump in at the right time to grab returns, a hard ask
BUSINESS
Personal Finance: Is the long term equity return shrinking?
In the past 20-odd years, returns were by and large in 10-20 percent range, excluding the tech meltdown
BUSINESS
The art of putting an equities’ trading strategy in place
The share of intraday traders below the age of 30 has gone up to 48 percent in FY23 as compared to 18 percent in FY19
BUSINESS
Three things for investors to focus on ahead of Union Budget 2024
While Union Budget speeches unfold reams of data on the state of the country’s economic and financial health, investors must focus on the fiscal deficit, taxes and capital formation
BUSINESS
Personal Finance | Does the recent price breakout justify a higher long-term allocation to gold?
There isn’t much commentary on gold beating inflation in the long run, but with equities, it is historically known that it is an asset which beats inflation over long periods
BUSINESS
Mid and small cap lure frays a bit: What's next for investors?
Stress tests of liquidity in regular market periods may not be an accurate representation of how things progress when there is a sharp or long correction and fear takes over
BUSINESS
General elections spark market timing mood
Elections are a big macro event, but despite upsets and wins over the years, history tells us that the risk of such an event for the market smoothens out over time
BUSINESS
Personal Finance: Two simple reasons why you can skip the IPO rush
Amid the euphoria during an IPO issue and its listing, investors must bear in mind that it is just the first window to investing in a business; more opportunities could arise
BUSINESS
Debt mutual fund tax change: Throwing out the baby with the bath water
The amendment to the finance bill fails to address the larger issue of varied capital gains tax liability across different assets, creating more confusion
BUSINESS
Personal Finance: Overseas investments do not always hedge against a weak rupee
Gains from overseas investments may not offset exchange rate losses because of short term volatility both in foreign exchange rates and asset values
BUSINESS
Personal Finance | Three things that help set realistic returns from equities
Invest in equities for the long term and peg your return expectation to the nominal GDP growth of the region
BUSINESS
Personal Finance | How to entrust smooth transfer of assets across generations
Creating a Trust is one way of avoiding disputes over multi-generational transfer of wealth, but it is more complex than drafting a simple Will
BUSINESS
How do you reach financial freedom, if at all?
Your lifestyle today is key to achieving financial freedom tomorrow. So avoid the temptation to upgrade your lifestyle with an increase in income
BUSINESS
Personal Finance | How to choose the right critical illness cover
When a major illness strikes it's better to be financially prepared for it. The right cover can go a long way in shielding your finances from avoidable harm
BUSINESS
Fixing the colour of stock market risk
The risk of unknown outcomes in the stock markets can be smoothened out by remaining invested over long periods of time, provided you are holding good quality stocks
BUSINESS
Personal Finance: Buy or rent a home, the perennial conundrum
More often than not, the economic viability does matter, but the personal financial situation, aspirations and emotional tugs that drive the decision are just as important, if not more.
BUSINESS
SEBI's skin-in-the-game circular to mutual fund AMCs has good intentions, but is not well thought out
Mere participation in the mutual fund scheme by employees and directors of the AMC is not a shield against underperformance or indeed wrongdoing
BUSINESS
Where does the investor feature in Franklin Templeton’s desperate bid to save its reputation?
Harsh penalties by SEBI are needed to dis-incentivise any reason that corroborates low accountability towards the investor
BUSINESS
The banality of Sensex’s 55,000 December 2021 target
The hope fuelled rally rests on effective vaccination of a population of 1.3 billion in early 2021 and that magically the vaccine will also provide employment, infrastructure development, efficient capital allocation and capacity utilization to take the economy back to a path of strong growth
