5 tips to assess the health of your wealth 

  If you have a well-diversified portfolio comprising stocks, mutual fund SIPs, NCDs, IPO, CFD, bonds, ELSS, and other instruments, it becomes vital for you to assess the health of your wealth. In this article, let’s quickly look at 5 tips to assess the health of your wealth.   Having a performance monitoring system matters…

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Peaceful Investing

“There was never a good war or a bad peace.”  – Benjamin Franklin History is witness, that an excessive state of flux, war, or excitement does very little good, and in matters as important as money, what we actually need is a little more peace. And while external factors will always exist, there are things…

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Wake-up and Smell the Coffee, Don’t Invest in the Can!

  Brands might be losing moats There is a school of thought which focuses on buying “moat companies” and holding them forever. This school of thought originates from an incomplete understanding of Warren Buffett’s value investing philosophy. Buffett has advocated buying “moat companies” or “great companies” at a “fair price” and holding them forever. Many…

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10 Books Every Investor Should Read in 2019

  One of the best ways to become a successful investor and a smart one at that is to pick up a good book written by an expert on investment and financial planning. We all need good investment guidance from time-to-time, regardless of how experienced we are in terms of investment. Guidance is all-the-more important…

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How Does A Mutual Fund Work?

  What is the first thing that comes to your mind when someone mentions mutual fund. It’s boring and complicated, but is it? Let’s find out. Let’s see how a mutual fund operates. Investors  like us pool in money to help form a mutual fund. An Asset Management Company (AMC) is appointed to manage the mutual…

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How has the Union Budget 2019-20 Turned Out?

On Feb 01, 2019, Union Budget for 2019-20 was presented by the Interim Finance Minister Mr. Piyush Goyal in the Parliament. In this article, let’s look at what the Budget has in store for India. The main focus of the government for this Union Budget was clearly on providing the agrarian economy of India the…

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Investment mistakes that you should not be making

Investment is a crucial part of your financial planning. However, wrong moves and mistakes can affect your long-term corpus that you are aiming to accumulate at the time of retirement.   In this article, let’s examine four investment mistakes that you better avoid for maximising your returns:     Haphazard financial planning This is one…

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Good ways of expending Rs.10000 month-end savings

When it comes to money, no amount is small. Thus, if you save Rs.10000 by the end of a month, you just can’t imagine how much scope you have to grow this into a bigger future corpus.     In this article, let’s explore four good ways in which you can expend your month-end savings…

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What are the best tax savings investment plans in India?

Did you know that tax savings and investment can go hand-in-glove in India? In fact, today, you can subscribe to most tax savings plans online. The Income Tax Act of India allows you to invest in many tax savings plans. However, here are the 4 best options, which you can definitely explore as an investor:…

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‘EEE’ status of NPS

Over the past few years, more and more Indian investors are finding the National Pension System (NPS) a beneficial long-term investment avenue. In fact, given that the government has decided to give NPS exempt-exempt-exempt (EEE) tax status, it will now become a much more attractive investment avenue, especially for the retail investors (non-government subscribers).  …

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Assembly elections and its impact on stock market

Election outcomes generally tend to draw dramatic reactions from the Indian stock markets. Markets on Monday, a day before the state elections, ended down 2% owing to the results of the exit polls, which hinted towards a losing streak for the ruling party at the centre. However, the benchmark indices, against popular opinion, closed in…

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How NRIs can invest in Indian mutual funds?

Over the past few years, especially since the Modi-led BJP government came to power, and given the rise in FDI inflows into India, NRI investment in India has become a hot topic. NRIs are beginning to consider India as a lucrative investment hub. Thus, they have begun investing in diverse asset classes. India has many…

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Light at the end of the tunnel is the market upswing visible?

Light at the end of the tunnel-Is a market upswing visible?

A month back it seemed like there was no end to the Indian market’s woes. The FPIs were pulling money out, crude oil prices were rising through the roof, the Rupee was falling without a bottom, inflation looked like it would keep increasing, there was speculation that the current account deficit and the fiscal deficit…

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Key financial planning tips for travellers

Be it local or global, is there anyone in this world who doesn’t like to travelling and exploring different countries? Yet to find one! How many times have we all thought only if we had a little more money, you could have enjoyed your trip more. In simple words, money tends to distract us from…

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Credit rating illusion and the myth of safety in debt investing

The popular perception is that investment instruments in the form of debt or fixed income, such as, fixed deposits, bonds, debentures (NCDs), debt mutual funds etc. are safe. Whatever instrument has some form a coupon rate specified on its label is deemed safe, while any instrument which doesn’t specify a coupon on the label is…

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How can you make your first salary even more special?

Be it in a multinational, small business, or any company for that matter, first job and first salary hold a special place for all of us in our life. Can one ever forget the special moment when they received their first salary? It’s an emotional link that stays with you forever. Now, what do we…

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Here’s how a salaried couple can achieve their dreams through investment

A dream home, foreign vacations, world-class education for children, and secure retired life, that’s all married couples always ask for strive towards. Here’s how a salaried couple can achieve their long and short-terms dreams through proper investment planning:     Track where your money is going As a couple, you’re the ones who earned you…

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6 easy ways to manage your mutual fund portfolio’s performance

The first thing you look for as an investor when it comes to investing in mutual funds is the performance. That said, call it ironic or reality, more often, the mistakes made by investors with regards to mutual fund investments tend to track back to the investors’ incorrect assessment of the mutual fund portfolio’s current…

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3 major benefits of investing in NCDs

Non-convertible debentures (NCDs) are one of the best ways of diversifying your investment portfolio. They are becoming an increasingly popular investment instrument, especially given their secure nature. Following are 3 major benefits of investing in NCDs: Higher interest rates The interest rates provided by NCDs are much higher compared with the traditional bank fixed deposits…

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When The Going Gets Tough The Tough Get Going

The Sensex and Nifty are at all-time highs. However, most investors’ portfolios are not at all-time highs. Rather, a lot of investors are still feeling the pain of negative returns in their portfolios. Many might be puzzled as to why their portfolios are showing negative returns when the markets are at an all-time high?  …

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3 things investors should watch while investing in NCD

Non-convertible debentures (NCDs) are fast becoming a popular investment option for investors looking for long-term horizon. Compared with bank FDs, NCDs tend to offer better returns and much more. However, there are 3 vital things that you need to watch out before making your decision to invest your hard-earned money in NCDs. They are as…

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What makes NFO a good investment option to apply?

New Fund Offer (NFO) are mutual funds that manage your money. NFOs provide investors with a first-time subscription for a new investment scheme. This is a scheme launched by an AMC. Investors are soon beginning to utilise NFO as a highly profitable investment option. NFO is generally launched in the market by an AMC with…

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Tax exemption for angel investment in small start-ups is great news

On the angel tax front, start-ups can now start breathing a little easy with relaxation of taxes. Ongoing efforts of the government have meant that the Income Tax Department has kept small start-ups, which have the Inter-Ministerial Board of Certification approval, away from the angel tax net. This is a huge relief for these small…

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nse vs bse

What’s the difference between the NSE and BSE as an investor?

When we talk about the Indian stock markets, the two prominent names that come to mind right straight away are the Bombay Stock Exchange (BSE) and the National Stock Exchange (NSE). Therefore, in this article, we are going to discuss more about the major benchmark indices – Sensex and Nifty.     What is stock…

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4 Easy ways to save more money

One of the most important things about us humans is that we tend to not do things if we find them difficult. Thisunfortunately holds true also in financial planning. Savings is a very difficult proposition, agreed! That said, it is your own hard-earned money. Then why look at the hardships rather than focusing on the brilliant…

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Be a Santa and gift your Children an equity portfolio

Christmas is a time for celebrating and enjoying. Typically, Christmas is associated with Santa Clause and gifts from Santa. This is a time of fun and joy, especially for children. You probably bring lots of gifts for your children and take them for vacations and outings during Christmas. While you should continue doing that, we…

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A working woman’s guide to investment

Today’s woman is the definition of modern society. Most women in India are highly career driven and constantly strive to be self-dependent. Over the years, investment is increasingly becoming a buzzword for Indian women. Be it a working mother, a young girl just graduated from college, a homemaker, or an elderly woman, investment has always… Read More

How can equity products create long-term wealth?

With a logical, conservative, and long-term investment approach, equity markets can generate the corpus to beat inflation. Understanding the value investing philosophy followed by Warren Buffett and his guru Benjamin Graham helps. In simple words, this philosophy means buying Re. 1 for 50 paise. Thus, this means buying a stock or an asset worth Re.…

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Dussehra – Victory of good over evil

Popularly known as Vijayadashami, Dussehra is celebrated on the tenth day of the month of Ashwin. The day marks the victory of good over evil. It is one of the most important days in the Hindu religious calendar. Nine days prior to the Vijayadashami day are celebrated as Navratri. The nine days of Navaratri are…

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Investors and GST

A lot has been written on the impact of GST and reasons why it should be implemented, postponed, or modified. The inevitability is here. On the midnight of 30thJune India will be liberated from multiple taxes as many as 15+ taxes will be combined into a single tax called Goods and services Tax or GST…

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5 questions on SEBI and recent directive on Offshore Derivative Instruments (ODI) or P Note

SEBI has over the years made various amendments to reduce the quantum of outstanding ODI or participatory notes as they are popularly called.   Why do Institutions issue participatory notes? There are lot of formalities to be complied with when NRI or an institution wants to participate in the Indian markets. Hence, instead of directly…

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How to organize your financial goals?

Did you ever measure your dreams using a measuring tape before you actually started dreaming? The answer most certainly is no.That’s the best part. Be it of any size, you don’t and shouldn’t stop dreaming. Let’s take the example of this young guy from Mumbai who wanted to invest in an igloo in the Arctic…

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Did you know the advantages of investing in equity markets?

Consistent growth in foreign direct investment (FDI) and foreign institutional investors (FII) in the past two decades reflect emerging India’s growth story. Factors such as cheap labour, abundant resources, young demographic dividend, and high disposable income make India one of the most popular global investment destinations. The 2008 recession was one of the toughest periods…

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IPO – Journey of a small company to a big company in 5 years

Pan-India presence, diversified products, business expansion, stronger brand presence, and a promising growth trajectory, in pursuit of these dreams, Ankur started his own firm ‘Dream Big’ in 2009. Things were smooth, profits consistent, but was that going to make Ankur happy, the answer is no. Rest assured, he wouldn’t have heaved a sigh of relief…

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Here’s how you budget your money like a boss

Everyone would want to save for various types of financial goals. It could be travelling, saving for your wedding, saving for that home down payment, or for having financial independence at some point in your lives. That said, you might shy away from preparing a budget. This is because you think budgeting is some kind…

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4 simple ways to save more money

  If you find something really difficult to implement in your financial life, chances are that you will not do it. This is exactly the case when it comes to saving your hard-earned money. The key point to remember is that all of us know that we need to save our money, but we more…

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This Diwali do something different that makes the Big Difference

Yes! The festival of lights is round the corner. It is the best time to light up your life and start your financial planning. Make your new beginning this New Year for great results in the future through proper financial planning.   This Diwali, when you invoke the blessings of Goddess Laxmi, do think about…

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Difference between company fixed deposits and bank fixed deposits

Fixed deposits have traditionally been very popular with most investors since they offer low risk, steady returns and high liquidity.     There are two types of fixed deposits available viz: company fixed deposits and bank fixed deposits.   Let us closely look at the difference between the two on important parameters:   1. Interest…

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6 investment mistakes you need to avoid

Investment is most definitely the right decision to make in terms of maximising your returns. However, investment in the right place at the right time is crucial. Here is six investment mistakes that you are advised to avoid in order to maximise returns from your hard-earned savings: Improper planning Planning is everything, especially when it…

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4 smart ways of spending Rs.10000 savings at month end

No money is small money. Yes, you have heard it right! The saying holds true now and forever. In fact, small money always makes big money. Therefore, here are four smart ways that you could adopt to invest Rs.10000 that you saved at month end to fetch you good long-term returns: Buy a life insurance…

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A guide to investment for the 21st century woman

Today’s woman is the definition of modern society. Most women in India are highly career driven and constantly strive to be self-dependent. Over the years, investment is increasingly becoming a buzzword for Indian women. Be it a working mother, a young girl just graduated from college, a homemaker, or an elderly woman, investment has always…

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RBI MONETARY POLICY UPDATE – August 2016

RBI governor Raghu ram rajan announced the third bi-monthly monetary policy for this fiscal year 2016-17 today. The main highlights are: 1. The Repo rate is unchanged at 6.50 per cent. Cash reserve ratio (CRR) of scheduled banks is unchanged at 4.0 per cent. Repo rate is the rate at which RBI lends money to…

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9 simple investment strategies that will last a lifetime

Investment is a phenomenon the simpler you make it, the easier and smoother it is for you. Here are 9 very simple investment strategies that will stay with you for a lifetime: – Invest in something you understand: It is important to know the company you are investing in, the sector, the industry. This helps you…

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Best Performing IPO – Quess Corp

HR Staffing firm Quess Corp on Tuesday (July 11, 2016) made a stellar debut by listing at Rs 499 on BSE, a premium of 57.41 per cent over its issue price of Rs 317. The IPO was open between June 29 and July 1.     Data suggests that the subscription to Quess Corp was…

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Your investment will stay with you all your life

Be it buying a car or house, a gift for your child, investing in a retirement fund for your parents, or planning your investment, money is the most important element that drives our lives.   It is no surprise that for a common man, investing can turn out to be a very mysterious process. Terms…

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NCD – What you need to look for as an investor

Non-convertible debentures (NCD) compared with bank fixed deposits and FMPs have caught the eye of investors as a lucrative investment option. Here are a few things that you need to consider before planning your investment in NCDs:     How safe is your capital? You must remember that the major reason for you investing in…

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How your financial goals help you in financial planning?

To achieve financial stability and success, it is important to have financial goals. These goals have to be classified as short term (less than 5 years), medium term (5 to 10 years) and long term (above 10 years) You can follow these 10 simple steps: Classify your goals (short/medium/long) Take each goal separately Write it…

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What is this buying at DIPS all about?

Buying at dips is a slang version that refers to investing in a stock after its price has declined. We need to understand that prices of shares generally tend to correct owing to many reasons. Moreover, more often than not, the correction has nothing to do with the company’s fundamentals. Correction in stock prices generally…

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Investment, time, and change – the vital correlation

Be it our future, education, career goals, or even a holiday trip, we plan them well in advance, don’t we? In fact, we try our best to control everything around us in the best manner. However, the million-dollar question is whether things often pan out exactly as per our plans. One thing we all know…

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Investorpreneur – Enough of spending this festive season, its time to save and invest

This is a theatrical series that comprises interactive edutainment sessions on the most pertinent topic in the contemporary world – ‘Investment’. ‘Investorpreneur’ is a portmanteau representing a lucrative combination of an investor and an entrepreneur. Every entrepreneur attempts to maximise business prospects and profitability to the fullest. Likewise, every investor looks to compound his/her investments over a…

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Is Financial Compatibility the Key to a Successful Marriage?

In India, marriage is considered a life- long bond and a sacred commitment forboth partners.Indeed, marriage is the institutional basis for creating and nurturing a family. With increasing urbanization, consumerism, pressures of living as a nuclear family, high career orientation and aspirations of both the husband and wife, lack of any support mechanism, it is…

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Importance of striking the right balance between savings & investment

Before one starts the process of building wealth and discovering financial independence, it is important to understand some of the basics. A key aspect of saving and investing is that the two factors are related but independent processes that one should not confuse. A disciplined investor should appreciate the balancing act between saving and investing,…

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2016 to be a Favorable Year for India IPOs in terms of profit growth

As we start 2016, let’s try and understand the prospects of investing profitably in Equity Initial Public Offerings (IPOs) There are a few important factors to consider. First let us look at the positive aspects   1. Earnings growth expectation from corporate India Corporate India’s earnings growth is expected to recover to low double digits…

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Inflation – A crucial consideration before planning investment

Inflation refers to the rate at which prices of goods/services increase during a given period, which could affect cost of living in a country. Increase in inflation could reduce our purchasing power and discourage us from making investments and create savings. Thus, maintaining steady rates of inflation in a country becomes crucial.   The supply…

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Basic mistakes put financial safety and security at risk

We need to avoid making basic mistakes to increase financial safety and security Financial planning has become a way of life for us today. In fact, it has become the most important part of our life. Be it a CEOs, COOs, or homemakers, everyone realises the important of financial planning for the safety and security…

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Ways to invest in multibagger stocks

  As an investor, the first major goal you would set for yourself is to invest in the best stocks that provide you great returns while multiplying your money. Stock brokers have coined a popular term ‘multibaggers’ for such stocks. Knowing that you would ideally like to invest in multibagger stocks in one thing, identifying…

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Investorpreneur – It is Diwali, time to light up your year and go yellow

This is a theatrical series that comprises interactive edutainment sessions on the most pertinent topic in the contemporary world – ‘Investment’. ‘Investorpreneur’ is a portmanteau representing a lucrative combination of an investor and an entrepreneur. Every entrepreneur attempts to maximise business prospects and profitability to the fullest. Likewise, every investor looks to compound his/her investments…

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To Buy Or Not To Buy: How To Decide While Investing In An IPO?

An initial public offering (IPO) is a first time issue of equity shares by a company to all public investors. These include retail, high net worth and institutional buyers.   Through this process the company converts itself from a privately owned entity to a public listed company.   These equity shares after allotment to the…

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Investorpreneur – Happy Dussehra with Bunty, Babli, and Chintu

Prologue This is a theatrical series that comprises interactive edutainment sessions on the most pertinent topic in the contemporary world – ‘Investment’. ‘Investorpreneur’ is a portmanteau representing a lucrative combination of an investor and an entrepreneur. Every entrepreneur attempts to maximise business prospects and profitability to the fullest. Likewise, every investor looks to compound his/her…

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Investorpreneur – Oh! I will never understand these stock markets

Prologue This is a theatrical series that comprises interactive edutainment sessions on the most pertinent topic in the contemporary world – ‘Investment’. ‘Investorpreneur’ is a portmanteau representing a lucrative combination of an investor and an entrepreneur. Every entrepreneur attempts to maximise business prospects and profitability to the fullest. Likewise, every investor looks to compound his/her…

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Investorpreneur – Band, Baaja, Rinki’s baraat and gold diversification lessons

Prologue This is a theatrical series that comprises interactive edutainment sessions on the most pertinent topic in the contemporary world – ‘Investment’. ‘Investorpreneur’ is a term coined to represent a lucrative combination of an investor and an entrepreneur. Every entrepreneur attempts to maximise business prospects and profitability to the fullest. Likewise, every investor looks to…

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INVESTING FOR CHILDREN

Children are the future of our country and indeed of the world.   On the occasion of children’s day, it is very important that parents think about planning for their child’s future and take immediate action steps.   In today’s competitive world, education is the only game changer.   Providing for the basic, college and full professional…

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Your friend in need could be gold indeed

Gold can be one of the most crucial and lucrative investments that you can make, which will give you assured benefits over a life time. Gold has been the most coveted precious yellow metal in world for centuries together. In fact, India might be the only country in this world where people consider buying gold…

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5 MISTAKES NOT TO MAKE WITH LOANS

1. Taking a loan to buy a car or any consumer durable (air conditioner, washing machine, mobile phones etc) Never take a loan to buy any product which depreciates in value (depreciation means losing value every day) You will get hit on 2 counts, viz: you are paying a high rate of interest /EMI which will burden…

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3 THINGS YOU MUST KNOW ABOUT INFLATION

This article will help you understand “Inflation” and “How to beat it”   1. What is inflation? Inflation is defined as a sustained increase in the general level of prices for goods and services. It is measured as an annual percentage increases as inflation rises; every rupee you own buys a smaller percentage of a good…

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Investorpreneur – Hurray! A Swiss holiday? Investment? or Both?

Prologue This is a theatrical series that comprises interactive edutainment sessions on the most pertinent topic in the contemporary world – ‘Investment’. ‘Investorpreneur’ is a term coined to represent a lucrative combination of an investor and an entrepreneur. Every entrepreneur attempts to maximise business prospects and profitability to the fullest. Likewise, every investor looks to…

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Investorpreneur – Dharam’s Babuji’s pearls of wisdom

Prologue This is a theatrical series that comprises interactive edutainment sessions on the most pertinent topic in the contemporary world – ‘Investment’. ‘Investorpreneur’ is a term coined to represent a lucrative combination of an investor and an entrepreneur. Every entrepreneur attempts to maximise business prospects and profitability to the fullest. Likewise, every investor looks to…

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Investorpreneur – Dharam explains the importance of buying a house to Veer

Prologue This is a theatrical series that comprises interactive edutainment sessions on the most pertinent topic in the contemporary world – ‘Investment’. ‘Investorpreneur’ is a term coined to represent a lucrative combination of an investor and an entrepreneur. Every entrepreneur attempts to maximise business prospects and profitability to the fullest. Likewise, every investor looks to…

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Investorpreneur – Dharam and Veer’s investment saga

Prologue This is a theatrical series that comprises interactive edutainment sessions on the most pertinent topic in the contemporary world – ‘Investment’. ‘Investorpreneur’ is a term coined to represent a lucrative combination of an investor and an entrepreneur. Every entrepreneur attempts to maximise business prospects and profitability to the fullest. Likewise, every investor looks to…

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Impact of different types of inflation on your financial planning

Inflation can be one of the biggest hindrances in our overall financial planning process. In this article, we will look at how different types of inflation impact your financial planning from time to time. Wholesale Inflation Wholesale or headline inflation is measured based on the changes in wholesale price index (WPI). The WPI can be…

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Train your children to be sound financial planners for tomorrow

Children are the future of the country. They will determine the direction the country takes, going forward. As they say, you never forget things that you learnt during your childhood. Our parents teach us goods manners, etiquette, and they groom us by teaching us the ways of life. However, my question is how many of…

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Asset allocation, a balanced approach to investing

Asset allocation is a very crucial concept in investment given consistent market volatility, changing income and risk patterns. Asset allocation can be termed as an investment portfolio technique, which is performed with the major objective of balancing risk while creating ample investment diversification. This is done by dividing the assets into major categories, which include…

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What do you do if it is a ‘bull’ or ‘bear’ market

First, let me tell you that markets are termed as ‘bull’ or ‘bear’ markets largely due to the way in which these two animals attack their opponents in a tough fight. In a general fight, a bull tends to show extreme aggression by plunging its horns up in the air. It clearly gives its opponent…

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Financial decisions that you need to take before you hit 30

Aging is a very normal process in anyone’s life. We all will age with time. However, the distinguishing point will be how well few people plan their transition into the critical age group of 30. Yes, it is a hyper critical age group in our life and will generally determine how our life, retirement plans,…

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Become a Smart Investor

Money is vital to one and all. However, the fact that a few people in this world have it in abundance and a few strive extremely hard to earn it has increasingly become a stark reality. Thus, it becomes imperative for all of us to make smart investment decisions very early in our lives in…

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Which money is to be invested?

  When equity markets go up every day, people usually get attracted with euphoria and at times even end up investing their money in anticipation of quick gains. However, by doing this, people generally end up having losses than gains. This in-turn destroys their confidence in asset classes such as stocks.   We need to…

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Where to invest?

  Today, we have a number of options to choose from in assets to invest our money. Further, it is important to manage the entry and exit (switch) of your investments. Therefore, financial services/securities companies play an important role in helping you choose the right approach for your investments, which need to be customized according…

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When to invest?

You must have heard that no time is right or wrong to invest. In some cases it is true and in some it is not.   But it is seriously advisable to start investing at your earliest age.     The earlier you plant a tree you are bound to get its fruits at the…

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