Building your retirement investment portfolio the right way
Will you outlive your money in retirement? Lack of planning combined with a lack of prudence in investing appropriately for retirement could lead to the risk of you outliving your money. First of all, investors often tend to get the basic math wrong, one should always consider an age bracket of 85 to 90 years […]
With hindsight 20/20 let’s make 2021 better
Hindsight is 20/20 While 20/20 refers to clear vision, hindsight refers to a clearer understanding of a past event. But, considering its meaning and the actual happening in the year 2020, this expression is now more eye-opening than ever before. Words like unprecedented, mask up, remote working, ‘workcation’ or even ones like ‘anthropause’ have made […]
PPF at a glance
PPF is an attractive tax-saving investment vehicle that is available to the citizens of India. It was founded with the primary objective of providing a reliable retirement solution to the self-employed as well as for those individuals who are not covered by their employers’ provident funds. As a 15-year deposit account, it allows people to […]
Could a financial plan safeguard you and your family from pitfalls?
There is a misconception that financial planning is only for the wealthy. Well! That is a myth. Being wealthy is not a pre-requisite for financial planning; in fact, it is vice versa. Wealth creation begins from the very first penny you earn and how you put it to use in the long run will decide […]
Understanding Systematic and Unsystematic risks
All conversations regarding investments sail over the undercurrent of the risk and return tradeoff. This even plays a defining role in the purchase decision once investors have evaluated the amount of risk they will be exposed to when they choose an investment product. One of the key challenges to successful investing depends on mitigating the […]
Where to invest for retirement
Generally speaking, we are all aware of the importance of establishing multiple sources of income. There could be nothing better than having both active and passive streams of income flowing into our bank accounts. However, post-retirement we will inadvertently end up depending more on our passive income sources. In this article, we shall explore what […]
Macroeconomics and financial assets
What is a Market Bubble? Economist Robert Schiller defines a market bubble as a phase where an increase in asset prices revives enthusiasm among investors. This enthusiasm begins to spread across a wider base of investors resulting in a further increase in prices. The inflated prices, even though may exceed their intrinsic valsue, continues to […]
Smart investors chase wealth creation, not returns.
Return on Investment (ROI) is a term that is thrown about quite often while we talk about factors influencing investment decisions. Proactively building and monitoring a portfolio that can deliver spectacular returns might sound like a dream come true for many aspiring investors. This however widely differs from financial securities that are built with the […]
Budget 2021
Announcing the budget, honourable finance minister, Nirmala Sitharaman said the Budget proposals for 2021-12 rest on six pillars including — health & well-being, physical & financial capital & infrastructure, inclusive development for aspirational India, reinvigorating human capital, innovation & R&D, Minimum Govt & Maximum Governance. While the budget lacks direct boost to consumption, countercyclical expansionary […]
REIT – The Way Forward
REITs = Steady Stream of Cash Flow + Potential Gains REITs offer income generation and capital appreciation both bundled in one. Hence they can be best defined as an investment that is a hybrid instrument offering a mix of both fixed income and equity or capital gain. The diversification it offers helps create a more […]