BUSINESS
Personal Finance | How much risk is too much risk?
Price and default risk don’t affect your emotional and financial situation alone, but liquidity as well
BUSINESS
Juggling multiple credit cards? Here are ways to strike the perfect balance
There are several benefits that you can derive from having more than one card, including using them as backup and for efficient cashflow management, but these can easily backfire if you don’t have the highest level of financial discipline and responsibility
BUSINESS
Personal Finance: Are you caught in a small-cap investing dilemma?
Not all small-cap stocks are penny stocks, which are small in value (price), illiquid and susceptible to price manipulation
BUSINESS
Mutual fund SIPs are growing, but why do people withdraw so soon?
AMFI data suggests that of the total mutual fund assets held by individual investors in equity-oriented schemes, on average, 48 percent is redeemed within two years. This appears to run contrary to the narrative of increased SIP inflows.
BUSINESS
Personal Finance: Is it worth splurging on haute couture handbags?
The perception of quality and status plays a key role in driving demand for luxury handbags among the rising affluent class India
BUSINESS
Personal Finance: Understanding the approach to ace equity investing
The human subjectivity in stock selection often leaves fundamental investing open to biases, making return outcomes just as undesirable as those that rely on statistics
BUSINESS
The race for returns: How active largecap funds are acing the game
A broader-based market recovery on the back of good earnings has provided the much-needed shot to active fund managers of late, helping large caps recover
BUSINESS
Are market-linked debentures worth your money?
InCred Money has launched a market linked debenture issue for retail investors, which aims to offer equity market participation with 100 percent principal protection and a minimum assured 14 percent return at maturity. This — and all other MLDs — come with fine details that investors must be aware of.
BUSINESS
Personal Finance: What’s the right asset allocation to play an elevated interest rate situation?
Debt returns have risen and narrowed the premium earned by equity. A window of opportunity has opened to lock in to higher yields but stay mindful of the the risks
BUSINESS
How Recurring Deposits are a smart option without risking the capital
RDs are best for creating short-term emergency funds. In the current high interest rate regime coupled with capital safety, RDs can be a good investment option.
BUSINESS
Personal Finance: As equities rally, should you take the FII bait?
The US sovereign debt downgrade isn’t seen as a panic event, but it’s something to track in the near to medium term
BUSINESS
Personal Finance | Is there one ‘best’ equity investment product?
AIFs and PMS schemes offer higher returns but also higher risk compared to mutual funds. Should high net worth investors still consider them and how should they select a suitable scheme?
BUSINESS
How to plan for your child’s foreign degree: A primer
Planning for your kid’s higher education is no child’s play. Bear in mind the inflation rate at which today’s course fees will expand, be disciplined, and assume conservative returns. Whatever you do, do not dip in your own retirement corpus.
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
