Karmayog Knowledge Academy

Personal finance is all about common sense. Wear your thinking hat and you get it right.

Seven mistakes a fixed deposit investor must avoid

It is but natural to consider investing in relatively safe option such as fixed deposit. However, it may not be prudent always to lap up what appears safe. Here are some risks you must be aware of.

Avoid unforced errors: winning mantra in amateur investing

While a professional investor makes money basis his superior investment skills, amateur investors can earn by avoiding mistakes

Why only MF investments are subject to market risks?

Many investors equate risk with losses. Many individuals believe that all mutual fund schemes invest money in shares. In reality, not all schemes invest in shares. And not other investments are free of risks.

Grow rich with Sachin Tendulkar's mantra of investing

Sachin Tendulkar could put his name on most records on batting in international cricket, thanks to the long years he played cricket for India. Lifetime investing is all about investing for long term and staying put ignoring short term volatility

Are investors in for Phil Hughes experience?

Investors should be aware of risks associated with their investments. There is no point blaming external factors for the erosion in their portfolios.

Are you timing market perfectly well for good returns?

What is market timing? It is an act of shifting from one investment option to another with a view that the latter would offer better performance in future compared to the former. Is this the thought at the heart of the investor‘s shift from equity mutual fund to real estate?

SIP or lump sum investment: Which is better?

At the outset, there is a difference between the cash flows – in case of lump sum investing, the investor has money on hand that can be invested. Whereas in case of SIP, the investor may not have lump sum on hand and may have regular surplus expected in future.

What is CRR, SLR & Repo Rate?

Under CRR a certain percentage of the total bank deposits has to be kept in the current account with RBI which means banks do not have access to that much amount for any economic activity or commercial activity, says Amit Trivedi, author & founder of Karmayog Knowledge Academy.

What is goal based investing?

Amit Trivedi, author & founder of Karmayog Knowledge Academy explains about goal based investing.

How to earn more than bank deposits?

Amit Trivedi, author & founder of Karmayog Knowledge Academy explains about what one should keep in mind to earn more than bank deposits.

Why should one have a diversified investment portfolio?

Amit Trivedi, author & founder of Karmayog Knowledge Academy explains about diversified portfolio.

Why should a person invest in bonds?

Amit Trivedi, author & founder of Karmayog Knowledge Academy explains the importance of investment in bonds.

What are types of debt instruments one can look at?

Amit Trivedi, author & founder of Karmayog Knowledge Academy explains about types of debt instruments.

What is the procedure for redeeming fund units?

Amit Trivedi, author & founder of Karmayog Knowledge Academy explains about the procedure for redeeming fund units.

How to earn better returns from Mutual Funds portfolio?

Amit Trivedi, author & founder of Karmayog Knowledge Academy explains how to earn better returns from Mutual Funds portfolio.

How does the Systematic Withdrawal Plan (SWP) work?

According to Amit Trivedi, author & founder of Karmayog Knowledge Academy, Systematic Withdrawal Plan is a standing instruction given to a mutual fund to withdraw certain amount at a predefined frequency.

What are the international funds?

According to Amit Trivedi, author & founder of Karmayog Knowledge Academy, currently for Indian investors there are only equity funds available investing in international markets and to that extent one has to be careful about what kind of exposure one is taking.

Can mutual funds perform badly? Why?

According to Amit Trivedi, author & founder of Karmayog Knowledge Academy, Mutual funds as we have seen earlier are relative return products which means they invest in certain segment of the market or the market and the performance has to be seen in light of that.

What is a fixed or floating interest rate in bonds?

Amit Trivedi, author & founder of Karmayog Knowledge Academy explained about fixed and floating interest rate in bonds.

Performance measures to look at for analysing mutual funds?

Amit Trivedi, author & founder of Karmayog Knowledge Academy is of the view that most of the people look at historical performance that a scheme has generated in order to take investment decisions or select the funds.

Investing for goals: How to stay on track?

Long-term goals are for results; short-term goals are about activities.

Here are events that shook world in 2013

In the beginning of the year, the safest asset – gold, after having a decade long bull run, saw weakness but in April gold prices (in Indian Rupees) came down more than 20 percent from their peak.

Coming soon: An equity market rally that everyone missed

Almost 18 percent return over a five-year period is not bad at all. Can such a performance qualify to be called a bull market? If that is the case, did we all miss this rally?, asks Amit Trivedi of Karmayog Knowledge Academy.

Here's how you can be a good investor

Amit Trivedi of Karmayog Knowledge Academy lists out effective ways one can be a good investor in any economic scenario. He elaborates on how to go about in times when the rupee has depreciated to new lows.