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
Why coins could be your choice of gold this Diwali
Dhanteras and Diwali are big occasions to buy gold. If your intention is to accumulate gold to convert it into jewellery later, or you think you may sell it sometime in the future, gold coins are a better alternative; they are purer than gold jewellery and fetch you a better price.
BUSINESS
NHAI Infra InVIT NCD issue: should you invest?
The issue can be of appeal to those with a long-term investment horizon. Be mindful of the taxes though. And plan for a partial allotment.
BUSINESS
Edelweiss Financial Services NCD opens today. Should you invest?
A double-digit yield is on offer with Edelweiss Financial Services Limited’s latest non-convertible debenture issue. You can earn up to 10.09% a year by investing in a 10-year bond.
BUSINESS
Personal Finance: PE funds are ballooning, but so are the risks
Equity mutual funds can underperform, PE funds can fail totally. Various stages of funding a business entail varying risk-return profiles
BUSINESS
What do global REITs offer… And, what they certainly do not
A REIT invests your money in real-estate and is designed to earn you a regular yield in the form of dividend or interest. The US and Singapore offer the most choice in REITs. India has mutual funds that offer you a slice of global REITs, but there’s a reason why returns have been subdued so far.
BUSINESS
Personal Finance: Why chasing FIIs may not be prudent for retail investors
The objectives of retail investors and FIIs are very different
BUSINESS
Can a balanced advantage fund substitute a large-cap fund in your portfolio?
Returns from balanced advantage funds can be quite competitive with large-cap funds across market cycles, despite holding far less equities and lesser risks. That isn’t bad news for pure equity large-cap funds, though, shows a Moneycontrol study.
BUSINESS
Personal Finance | Why long term debt investors should evaluate these funds for their portfolio
Target maturity funds and fixed maturity plans are passive in nature but offer predetermined returns with capital stability, good to achieve long term goals
BUSINESS
New overseas investment rules bring clarity for individuals
Resident Indian individuals now have wider access to investing in overseas entities within limits set by the central bank
BUSINESS
Loan apps can be potent killers. How to avert the traps and borrow responsibly?
Taking a loan is not bad, if you really need the money and you repay responsibly. The problem comes when you start borrowing for items you do not really need.
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 | Know your interest rates and how they impact your portfolio
Don't get perturbed by the noise around interest rates. Keep track of the trend and directional shift, if any, for this could affect overall portfolio returns
BUSINESS
What to do if your PMS underperforms?
Selling a PMS scheme takes more time than selling your equity mutual fund. But more importantly, make sure you’ve understood why exactly your PMS strategy has underperformed because strategies are highly unique to fund managers, instead of benchmark indices.
BUSINESS
Personal Finance: How to shockproof your investment from fund manager’s exit
The judging process in asset management is similar to doing a product quality check in manufacturing. Here are some overarching pointers for you to keep in mind to track your portfolio
BUSINESS
Book review | Deceptively simple rules to saving and investing
'Just Keep Buying' by Nick Maggiulli shares ideas around managing money and our behaviour around money, by breaking the thought into two equally important parts—saving and investing. And it’s all fortified by data and analytics.
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
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
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
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
