Stock Vetting: Scan Financial Ratios first
Where stock investment advice is concerned, there is no dearth of online advice, investment portals, and investment apps. However, nothing can replace your own analysis of preferred stocks and getting a first hand feel of the worth of a company’s stock. Fundamental analysis using certain…
Your Money: Is Contrarian Investing for you?
Human psychology dictates that we follow the herd to minimize dangers. This is where things can go wrong in equity investments through stock markets, and equity is often considered to be one of the most suitable choices for long term wealth creation. Here is where…
Your Money: How Static Asset Allocation works
The question that keeps most investors awake at night is, how does one decide which asset to invest in and how much? This can be answered by identifying a proper asset allocation strategy. Static asset allocation is a time-tested strategy that can provide a realistic…
Know your Rights as a Homebuyer under RERA
Despite the promulgation of the Real Estate (Regulation and Development) Act 2016 (“the Act”), many home buyers remain unaware of their rights with respect to a home purchase from a builder or developer. In this article, we shall see how home buyers in India can…
Your Money: How Total Expense Ratio affects mutual fund Net Asset Value
Mutual fund investors typically expect the Net Asset Value (NAV) of the mutual fund scheme they have invested in to appreciate in line with the market prices of the stocks and bonds held by the mutual fund scheme. When this does not happen, investors are…
Investment Planning: Five Investment Risks you Need to Factor in
Investment risk is reduced by putting your investments into different assets like gold, property, bonds and stocks. Having a portfolio of investments spreads your risk across investments that react differently to market forces, thus reducing your investment risk. Yet, investment risk does not get completely…
Investment Planning: Four Cardinal Rules of Asset Allocation
Asset allocation is a way of determining how much to invest in each of the four major asset classes—equity, debt, commodities, and real estate. Each of these asset classes come with its own pluses and pitfalls, and thus investors’ preference of asset classes may drastically…
Smart Investing: Five Behavioural Biases that Trip up Investors
Behavioural biases are one of the most common occurrences in investment decision making, yet are one of the last things on an investor’s mind. If you have ever bought gold in a rush, or purchased a stock just because all your colleagues bought it, or…
Your Money: Go for Floater Funds, Floating Rate Bonds or Market-Linked Debentures
While borrowers are rejoicing at the falling interest rates, bond investors and takers for term deposits are wringing their hands in despair. Investors depending on fixed income have seen their interest income dip in the recent past. This situation may persist for some time, but…
YOUR MONEY: Simple Steps to Building an Emergency Corpus
Lightning may not strike twice at the same place, but it certainly strikes at some point. Emergencies, similarly, are a part and parcel of life. Thus, emergency corpus is a mandatory component of one’s financial planning. However, what is troublesome is the uncertainty as to…