Your AMC shuts shop. Panic? Wait. What happens next isn't what most fear.
Investors who constantly hop between 'top-performing' funds often end up earning far lower returns than the very funds they invest in -- simply because they enter late and exit early. Best investors don't chase returns, they chase discipline, says Ramalingam Kalirajan.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
SEBI's blockbuster reforms are rewriting the rules of mutual fund investing -- faster growth, sharper transparency, and smarter safeguards that put investors first, explains Ramalingam Kalirajan.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
You don't need a six-figure salary to build wealth -- you need discipline and a smart plan, says Ramalingam Kalirajan. and shows you how
Every 1 per cent per annum of investment costs is a matter of life or death, points out Avinash Luthria.
Here's a formula that helps you understand how much money you will need to retire early in India and simple steps to achieve it.
What if I told you that you only need to invest for 5 years to accumulate Rs 1 crore? Sounds unbelievable, but it's possible, asserts Ramalingam Kalirajan
The tax department has created many circular traps -- flawed reporting formats, penalties for those who point out the flaws, and faceless assessors with no accountability. The result: Millions of taxpayers face needless harassment and procedural dead ends, highlights Harsh Roongta.
AI isn't a magic wand. It works best when combined with good systems, informed investors, and skilled advisors, says Amit Suri.
Tough times don't last, but tough people -- and smart financial strategies - do, says Ramalingam Kalirajan
As a prudent investor who wants to create a portfolio that will help you achieve your investment objective in a time-bound manner, Suren Kochhar explains what you should know.
The best way to achieve financial security isn't by cutting out every vada pav or limiting yourself to home-cooked meals; it's by making yourself indispensable at work, says Vatsal Ramaiya.
Manas Sood, a Class 12 student from the Delhi Public School, has distributed 2,650 boxes of Tax City Education and empowered over 12,000 students from 52 schools across India. His aim? To help young Indians understand taxes and become financially literate.
Even investors with sums as low as Rs 1,000 per month can start their investment journey.
'Give him a couple of seasons, a cool head, and some long-term form, and he won't just be in campaigns -- he'll be the campaign.'
Most investment costs are bundled in with the financial product, and are often hidden in fine print, warns Erik Hon.
In essence, follow the private-equity approach to personal investing and treat each investment decision as if it is a matter of life-or-death, because it is, suggests Avinash Luthria.
Being more financially savvy helps women choose the right balance between consumption spending vs investing for future and can hold them in good stead as life hands out various twists and turns along the way, says Piyush Baranwal
'As our per capita income increases and various demographic segments emerge, the need for various kinds of protection and risk covers will become even more explicit.'
'In investing, you have to first make sure you don't make big mistakes.' 'I would advise small investors to be systematic, don't be arbitrary; don't be on either end of the risk spectrum.' 'Don't go from fixed deposit to option trading or crypto trading.'
While the number of international MF schemes is increasing, so is the confusion for investors.
'If you are looking to fulfil imminent long-term commitments, the new online Ulips are the right product for you,' notes Santosh Agarwal/Policybazaar.com.
If you spread your investments and get exposure to many asset classes, then that is called diversification. Asset allocation is the process of allocating your money to different investments. And they offer tremendous advantages, says Rishi Piparaiya.
Excerpted from Sahara: The Untold Story by Tamal Bandyopadhyay.
'There is no need to do anything, let your SIPs get deducted every month, and stick to your allocation between equity, fixed income and emergency funds and your risk covers.'
Many people struggle to claim or liquidate investments and insurance policies due to procedural issues.
Priya Nair tells you how you can use technology to invest better and maximise returns.
'Returns can be very variable in equity markets.' 'That is why I tell small investors don't put 100 per cent of your money in equities, even if you are young.'
Since 2016, Sebi has made many rules to prevent unauthorised trading by stockbrokers. Yet, one comes across dozens of cases of blatant overtrading in client accounts, every year, leading to massive losses to investors, observes Debashis Basu.
It is important to celebrate when your first paycheck arrives, but is equally important to ensure that you take the time to learn some very important personal finance lessons, so that you can put your salary to work for you and grow a savings corpus.
Fund managers weren't too worried in 2014, as it was a year of positive surprises.
Reduce frill expenses, monetise your assets and invest in professional development to negotiate the choppy phase.
The online world is driven by convenience, simplicity and speed.
Kerala's election discourse operates surreptitiously. Its explicit face focuses on important national and local issues. At the same time, it seeks to secure apt communal equations to ensure votes, notes Shyam G Menon.
Proper documentation can help take half the pain out of filing your income tax return, says Amar Pandit.
High savings, aggressive asset allocation and a frugal lifestyle can help you hang up your boots a decade early.
To be sure that you are committing your money to the right person, you must ask these questions to your financial planner. There is no point in cribbing after you have committed your money! Is there?
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