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…
Why Women need to Create a Personal Fund from their Early Working Years
Being financially independent is one thing and being financially secured is another. Financial security is about having adequate money. In a broader frame, it means being financially prepared when life throws those unexpected curveballs at you. It is about not feeling helpless and constrained to…
8 Areas Women would like FM Nirmala Sitharaman to Address
The coronavirus pandemic has hit hard every section of the populace be it young office goers, corporate honchos, laborers, the elderly and pensioners, those working in the formal sector and those in the informal, et al. But, as in any other crisis, social or economic,…
Equity Mutual Funds: Evaluate Risks in an Equity Fund via Beta Value
Equity mutual fund schemes are known to be riskier than debt schemes or liquid fund schemes. This is common knowledge. However, what if one wants to compare within equity mutual fund schemes to see which fund is riskier? One of the ways of doing that…
Debt funds: Know When you Should Invest in Liquid Funds
Liquidity in one’s portfolio is an investment criterion grossly underestimated by the common investor. If your investment portfolio does not have adequate liquidity to manage emergencies, running expenses, and planned contingencies, your financial plans may get thrown off track and you may end up with…