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
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
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
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
Three trends in personal finance that may gain pace in 2022
Retail investments through exchange traded funds (ETFs) have risen sharply during the pandemic
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
BUSINESS
Sensex at 58,000: Here’s what you must do if the market corrects now
Top-up your investments, whenever possible, during a market correction.
BUSINESS
Why Kotak Mahindra Bank’s no-cost EMI on debit cards could be a debt trap
For any no-cost EMI scheme, there are always charges that more than make up for the absence of upfront interest costs
