Last week, we looked at why you should invest in small-cap and mid-cap funds. This week, we’d like to share with you some small-cap funds you should consider investing in and why. The three funds in this category that we recommend are HDFC Small Cap Fund, SBI Small Cap Fund, and L&T Emerging Businesses Fund. […]
The Mint asked us this question. They were writing a piece on the way forward for such funds. They wanted to know our thoughts on this because of a few small-cap funds re-opening their window for subscriptions. This was after a few fund houses took a call to selectively to close the subscription to their […]
If your portfolio comprises investments in mutual funds, how does the rise and fall in market indices affect it? Does it? If not, why not? All this and more we will demystify/illustrate in this short note about the relationship between your fund investment and broader market indices. The recent euphoric all time rise in Sensex […]
As you grow in your profession and career, your earnings increase. And so do your lifestyle-related expenses. The thing about lifestyle-related expenses is that they are often unnoticeable; in other words, they creep up on you, because of which they are often hard to control. For e.g. Watching Movies in mall at PVR & INOX […]
One of the essentials of good investment planning is preparing for the future, whatever it may bring. Therefore, a vital component of a solid investment planning is an emergency fund. An emergency fund is designed to cover a financial shortfall when an unexpected expense crops up. Your emergency fund can serve as a place to […]
“God has created enough for Man’s need but not for his greed,’- Mahatma Gandhi. Most of us would like to have more money. This is a fact of life. But question is, how much more? Last week, we met a client for an annual review. He asked, “Is this rate of return I am earning […]
SUCCESSFUL INVESTING IS SIMPLE, but it’s rarely easy. Yet millions of investors, both professional and amateur, assume they know what they’re doing. “We live in this mystical state where everybody thinks they can practice finance,” notes William Bernstein, retired neurologist and author of a fistful of acclaimed finance books. “But you shouldn’t practice without understanding the sc
Daniel Kahneman, a Nobel Laurette for his work on the psychology of judgment, decision-making and behavioural economics, has put forth ‘’Principal of loss aversion”,which says people dislike losing money more than they like making it. People feel losses more deeply than gains of the same value. This is so true. This is because money matters […]
In line with a broader decline in interest rates, banks have been consistently lowering interest rates on fixed deposits (FDs) and savings account deposits. Why FD rates are declining For the last 5 years, the government is consciously targeting a low rate of inflation. But what does inflation have to do with rates of interest on […]
This is something people ask us often. What’s our view? Yes, a home loan can help you buy a house early in life but it is also a burden which many people want to get rid of as soon as possible. Deciding whether to close a home loan or not is always a tough decision. […]