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HOW YOU CAN SURVIVE MARKET VOLATILITY

Financial markets off late witnessed unprecedented volatility that has left many rattled. The investment landscape has become topsy-turvy. While equities have clearly been choppy, debt markets too have not been spared. As this uncertainty is not likely to go away anytime soon, how do investors take refuge to survive such volatile times? Here are few tips that you must bear in mind. CUT DOWN ON UNNESSERY EXPENSES AND MAINTAIN EXTRA CASH ON HAND If you have been looking to buy that latest gizmo or that trendy expensive dress, this may not be the best time to do so. Postpone purchases of luxury/ imported items & avoid taking any loans. With the rupee weakening against the dollar & inflation spouting its ugly head, your household budget is likely to get squeezed. After paying your EMIs & living expenses, you may not have enough left. Try to maintain free cash which will ... Read More
retirement planning - choose your metrics wisely

Retirement Planning: Choose Your Metrics Wisely

Five basics that all of us can do in embarking on a journey towards a more- secured retirement. We have met people for whom retirement is scary, an end to golden years of income, a life of uncertainty without the cushy corporate job, income, and perks. And I’ve met people for whom retirement is ‘can’t wait’, a beginning of a more flexible existence, a chance to experience everything that just passed by in the first 60 odd years.   I think that retirement is freedom to do what you want, not what you have to, and when you want, not when you need to. “Doing what you want” is easy to say, but freedom of any kind is hard work.   At our prime, we plan for all kinds of financial goals-children’s education, a home, vacations- but retirement is often the last thing on our mind. However, looking at few ... Read More
how existing and also new SIP investors can maximize their SIP returns

How can you maximise your Mutual Fund SIP returns

Thanks largely to the efforts of financial advisors and investments awareness programs of asset management companies (AMCs), retail investor participation in mutual funds through the SIP route has increased manifold in the last few years. As per AMFI data, monthly mutual fund AUM mobilization through SIPs on March 2019 was more than Rs 8,000 Crores compared to just around Rs 3,000 Crores in March 2016. In FY 2018-19, 9.13 Lakh SIP accounts were added each month. In this article, we will discuss how existing and also new SIP investors can maximize their SIP returns. Ways For New & Existing SIP Investor To Maximize SIP Returns   1. Start early and invest for long periods The most important ingredient in the wealth creation recipe is not money but time. Money when invested is put to work and the longer it works, the more profits it can generate. Profits invested generate more ... Read More
personal finance lessons at early age - teach kids about money

GIVE YOUR CHILDREN PERSONAL FINANCE LESSONS AT AN EARLY AGE

  We are all aware that money does not grow on trees. Hence, personal finance should be explained to kids from a very young age. Most teenagers have no clue where money comes from and where it goes. Various aspects of personal finance such as income, expenses, mortgage, investments and retirement accounts are never discussed with teens. Many financial problems faced later in life can be avoided if they are provided with proper personal finance solutions from their early years. Remember, for children literacy begins at home. Here are a few key aspects that you as a parent should bear in mind. Start saving early: While it is crucial to start earning early in order to be financially independent, it is equally important to start saving or investing early. The golden rule of any investing plan is to start early, simply because time is on your side. Teens must also ... Read More
portfolio health check-up, how healthy is your portfolio

HOW HEALTHY IS YOUR PORTFOLIO?

A COMBINATION OF EQUITY, DEBT AND INSURANCE MAKES FOR A GOOD PORTFOLIO FOR FIRST- TIME INVESTORS ‘In mutual fund investments, the most important thing is to choose the right portfolio at the right time’ Which all assets should a first-time investor have in his portfolio? This is one of the most asked questions for best financial planners and advisors in India. According to them, for a basic plan for a first-time investor, exposure to equity and debt products and also insurance plans are the must-haves, provided these assets match with the person’s risk profile. For starters, gold may also be included. DEBT   Usually fixed income assets like debt mutual funds, bonds and fixed deposits carry relatively lower risks than equities. So an investor should invest some amount of his total corpus into debt assets. EQUITY Equities create wealth in the long term, and they are strictly not for meeting ... Read More