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
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
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
BUSINESS
Personal Finance: How will our capital markets move in 2023?
After unprecedented events such as COVID-19 and war, India’s equity and bond markets could do well in 2023, but investors must be mindful of risks
BUSINESS
Edelweiss Financial Services NCD offers attractive rates
Interest rates range from 9 to 10.45%, with tenures from 2 years to 10 years on Edelweiss Financial Services’ non-convertible debentures. For those seeking a fixed and regular income, NCDs are good, but most, including this one from Edelweiss, comes with some credit risk.
BUSINESS
Did your large-cap equity fund get left behind in 2022?
While some large-cap funds did well this year, many did not. But switching your funds now would be akin to driving looking at the rear-view mirror.
BUSINESS
Personal Finance: How did your financial investments perform in 2022?
It’s that time of the year when, along with holiday plans, it’s also time to evaluate your portfolio. How did different asset classes perform? What's one important learning to implement in 2023
BUSINESS
Personal Finance: Who needs a travel budget anyway?
Whether you plan for a Rs 20 lakh holiday or a Rs 2 lakh holiday – planning and booking in advance is what can stretch your rupee and save you last minute steep spends on potential upsets in the plan
BUSINESS
Will REITs make a comeback after COVID-19?
Investors in the IPOs of REITS have gained anywhere between 9-14 percent in total returns since the IPO listing. This is below expectations, but COVID-19 and the Work-From-Home practice it triggered spoiled the party. Now that COVID-19 is on the wane, will REITs rebound?
