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71 Results Found
  • Should you be investing in shares directly than through MF? Jan 11, 2017 10:34 AM IST

    Should you be investing in shares directly than through MF?

    Here is a cost benefit analysis of investing in stocks directly and through mutual funds.

  • Should you stay with FDs or go for debt mutual funds? Dec 01, 2016 06:34 PM IST

    Should you stay with FDs or go for debt mutual funds?

    Falling interest rate has forced many investors to look beyond fixed deposits in search of better returns.

  • Why you should not be always chasing returns Oct 05, 2016 12:27 PM IST

    Why you should not be always chasing returns

    Most people focus on returns and chase products that offer the best returns at any point.

  • Mistakes to avoid while planning for retirement Mar 14, 2016 05:58 PM IST

    Mistakes to avoid while planning for retirement

    These four mistakes must be avoided when you plan for your retirement.

  • When the ice caves from the mountain face Mar 04, 2016 11:07 AM IST

    When the ice caves from the mountain face

    Your best bet in these situations is to work to a plan. When you know where you are going & you know you will get there if you stick to the path, why worry?

  • Should you pay for financial advice? Aug 27, 2015 03:09 PM IST

    Should you pay for financial advice?

    We pay for all almost all services we avail of. It makes sense to pay for services as one can get the right advice which helps to achieve our financial goals.

  • Your financial freedom depends on how much you save Aug 13, 2015 02:22 PM IST

    Your financial freedom depends on how much you save

    It is not how much you earn that counts, but it is how much you save that decides if you achieve your financial freedom.

  • Buying pension plans is not retirement planning Jul 29, 2015 03:20 PM IST

    Buying pension plans is not retirement planning

    Traditional pension plans offer low rate of return in accumulation phase and annuities paid by pension plans are taxable in the hands of the annuitant.

  • Have you taken retirement planning seriously yet? Jul 07, 2015 01:10 PM IST

    Have you taken retirement planning seriously yet?

    Though it may sound a goal too big and too far, retirement planning, if begins early in life can be less cumbersome.

  • What women need to learn about money? May 19, 2015 11:55 AM IST

    What women need to learn about money?

    They need to ask the right questions while forms are put before them to sign. Simple questions probing about features & benefits of investment products and how they address their needs.

  • Dividend transfer plan- low risk way to invest in equity MF Mar 31, 2015 03:29 PM IST

    Dividend transfer plan- low risk way to invest in equity MF

    Risk averse investors, especially retired individuals want to take exposure to equities. But find it difficult to invest in equities due to possibility of capital erosion. DTP can offer them a means to invest in equities without risking capital.

  • Budget 2015: Count the blessings…they do add up! Mar 02, 2015 01:43 PM IST

    Budget 2015: Count the blessings…they do add up!

    Union budget is seen as a let down by many individuals. However there are some positive announcements that can bring in some enhanced benefits

  • Long tenured tax free bonds may come back in Budget 2015 Jan 30, 2015 01:20 PM IST

    Long tenured tax free bonds may come back in Budget 2015

    Budget may not introduce big changes. However there can be some small changes in tax rates, tax slabs and modifications in instruments that fetch tax exemption.

  • You need an open mind to invest and achieve goals Nov 20, 2014 06:53 PM IST

    You need an open mind to invest and achieve goals

    One should not have fixations about asset classes and be prepared to invest in an appropriate basket of securities as per the dictates of the life cycle

  • Clients need to have open mind to receive financial advice Oct 31, 2014 05:17 PM IST

    Clients need to have open mind to receive financial advice

    We find clients who come to us for advice and then start advising us! Some of them come with fixed ideas of what they would want in the plan, irrespective of whether it is desirable or not. It is in those cases, we have friction. We may not know about it in the first consultation or when they send the information.

  • When should you buy your retirement home? Sep 10, 2014 05:18 PM IST

    When should you buy your retirement home?

    Retirement is another aspect that talks to the deeps. People want to have enough in retirement so as to be able to live in comfort. People dread the possibility of depending on their children, which today is indeed an uncertain prospect.

  • Should you consider investing in Liquid funds? Jan 17, 2014 07:26 PM IST

    Should you consider investing in Liquid funds?

    There is a way to manage liquidity/ contingency funding requirements while earning a decent return on the amounts deployed towards such funds.

  • Here's what couples need to know about managing finances Jan 02, 2014 07:25 PM IST

    Here's what couples need to know about managing finances

    Joint bank accounts are fine when it comes to expenses. Each spouse can transfer a predetermined amount into that account for expenses. But from an income tax point of view, it is better to maintain separate accounts from where the investments are made.

  • How MF dividends are different from company dividends? Dec 18, 2013 03:06 PM IST

    How MF dividends are different from company dividends?

    According to Suresh Sadagopan, Founder of Ladder7 Financial Advisories, in the case of mutual fund dividends as the Net Asset Value (NAV) goes up and the mutual fund house wants to reward the investors.

  • What is SIP? How to make best use of it? Dec 17, 2013 03:38 PM IST

    What is SIP? How to make best use of it?

    According to Suresh Sadagopan, Founder of Ladder7 Financial Advisories, The SIPs give the advantage of rupee cost averaging, by which we mean that whether the market is low or market is high.

  • How does a systematic withdrawal plan help an investor? Dec 16, 2013 12:05 PM IST

    How does a systematic withdrawal plan help an investor?

    According to Suresh Sadagopan, Founder of Ladder7 Financial Advisories, in the case of SWP you already have a corpus and you want to drawdown some money on a systematic monthly basis, quarterly basis, weekly basis or whatever basis you want.

  • What mutual funds colour code decode to investors? Dec 16, 2013 12:05 PM IST

    What mutual funds colour code decode to investors?

    Suresh Sadagopan, Founder of Ladder7 Financial Advisor explains about colour coding of mutual funds.

  • Who should take life insurance? Dec 13, 2013 12:26 PM IST

    Who should take life insurance?

    According to Suresh Sadagopan, Founder of Ladder7 Financial Advisories, you need to take a life insurance only if there are dependencies or when there are liabilities, not otherwise.

  • How to analyse the performance of mutual funds? Dec 12, 2013 12:21 PM IST

    How to analyse the performance of mutual funds?

    According to Suresh Sadagopan, Founder of Ladder7 Financial Advisories, the correct way will be to benchmark mutual funds against the index which has been chosen by that particular scheme and benchmark it against the category.

  • What are bond/debt funds? Who should invest in them? Dec 12, 2013 12:18 PM IST

    What are bond/debt funds? Who should invest in them?

    According to Suresh Sadagopan, Founder of Ladder7 Financial Advisories, debt mutual funds also invest in the same category in the sense that they are 100 percent invested into debt category only and this is also liquid from your standpoint.

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