When it comes to making investment decisions, women tend to shift this responsibility on their close family members. While trusting one's close family members is not wrong; completely depending on them can lead to trouble when one is left alone. The reasons could be an eventuality in the family or a separation from spouse.
Gilt funds are mutual funds that predominantly invest in government securities
Without doubt, insurance products would rank among the most aggressively sold ones during the tax-planning season.
It's interesting how the investment scenario has radically changed over the last year or so.
For FMPs, it's been quite a journey from seemingly-innocuous, yet popular investment avenues to limelight-hogging villains.
Aggressively managed equity funds can be differentiated by either the style of investing or the nature of the underlying investments. Investors often make the mistake of investing in mutual funds without fully understanding the implications of the investment. One common area where investors are confused is with regards to aggressively managed equity funds.
Investors often mistake SIPs as an investment avenue rather than a mode of investing in mutual funds
Investors would do well to appreciate that tax-planning forms an integral part of their financial planning
Investors should ideally invest via SIPs over at least 2-3 years.
With equity markets descending from their record highs, several investors want to know if this is the right time to invest in equities.
Most investors believe that structured products are designed in a manner that equips them to deliver superior returns
The key lies in understanding one's needs and then forming a portfolio based on the same. Also opting for the services of a qualified and experienced financial advisor would be a prudent decision.
ULIPs combine the benefits of an insurance policy and a market-linked investment
Investors would do well to consult their investment advisors/financial planners to determine the suitability of HTF in their portfolios.
A contra fund operates on the premise that investment opportunities fall in two categories a) those that are identified by most investors and therefore already form part of their portfolios and b) those that are ignored or not yet identified. Since investment opportunities under Category A are identified by most they are overbought and are therefore trading at higher valuations. The investment opportunities in Category B are what really interest the contrarian investor.
In the mutual funds segment, well-managed diversified equity funds, balanced funds and monthly income plans with proven track records could form the core portfolio. Of course, the investor's risk profile and investment objectives would play a part in determining the core. Once this core is in place, the investor can consider (if at all) allocating a smaller portion of his investible surplus in ancillary offerings like thematic/sectoral funds and global/international funds.
Typically, MIPs are suited for investors with a low-moderate risk appetite. For instance, investors who wish to clock higher returns than those offered by fixed deposits or bonds and are willing to take on commensurately higher risk should consider adding MIPs to their portfolios. Also MIPs appeal to investors in higher tax brackets for their ability to deliver more competitive post-tax returns vis--vis avenues like fixed deposits.
These dilemmas are usually a result of the lack of knowledge among investors about various investment options
DMBF has succeeded in delivering an impressive showing across the risk and return parameters vis-a-vis peers.
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