Explained – Asset Allocation

Asset Allocation Explained

How much should I invest in Equity?How much should I be investing in Gold? It is rising for last couple of yearsHow much should be my debt allocation?Should I buy house as investment?All these questions are for understanding what should be asset allocation. Everyone is talking about it right now. Especially with the financial crisis … Read more Explained – Asset Allocation

To SIP or Gulp

Take a SIP

SIP or Systematic Investment Plan is probably most commonly used acronym in Mutual Fund Industry. People nowadays know about word ‘SIP’ more than ‘Mutual Fund’. Today we will see all basic things about SIP. What is it, why is it, few good points and few not so good things. Hope this article helps to decide … Read more To SIP or Gulp

Banks reducing interest rates on Savings account – what should you do?

Saving Account Vs Liquid Fund

On 25th May, 2020 Kotak Mahindra Bank slashes interest rate by 0.50 percent on savings deposits. This is second time in month now that bank has cut rate. You can see deposit rates across the banks are dipping due to interest rate lowering by RBI and banks don’t have lot of options as people or … Read more Banks reducing interest rates on Savings account – what should you do?

How long my money will last? Retirement Calculator

How long my money will last - Calculator

Do you feel like retiring now? But don’t know if your savings are sufficient for you to provide income for remaining period. Or you are already retired and want to check how much you can withdraw monthly so you can sustain for long time. Or you are just a curious soul want to find about … Read more How long my money will last? Retirement Calculator

What is risk profile and its importance – Story of Three Idiots

Three idiots

Corona related uncertainty and lock-down is bringing out real nature of most of investors. Our behavior in this crisis situation helps us understand our real nature. This helps us plan future investment appropriately. Today I am sharing my experiences with three people with whom I work closely. You can ask yourself who is behaving like … Read more What is risk profile and its importance – Story of Three Idiots

Which home loan is best – think smart , think overdraft

Best Home Loan

Glad you are wondering which is best home loan to opt for. Home loan is long term liability and we should be very careful in choosing same. In this article, we will see overdraft loan which offers better features than standard home loan. What is overdraft? Overdraft or commonly referred as OD is facility that … Read more Which home loan is best – think smart , think overdraft

Be careful of current year top performing mutual funds

Winner

Don’t judge a book by it’s cover… Is it current year performance that you see while investing in mutual fund? Do you chase current year’s top performer mutual funds? Read on. For common non finance person, first thing to look in mutual fund at is performance of that fund. Generally mutual funds publish 1 year, … Read more Be careful of current year top performing mutual funds

ABCD of Debt Mutual Funds

Debt mutual fund is most neglected type of mutual fund when it comes to awareness in general public. That;s why, during my discussion with my clients on their portfolio and asset allocation, this was most difficult type for them to understand. General investors thinks mutual fund means only stock market. In reality however , debt … Read more ABCD of Debt Mutual Funds