financial planning

How to reduce losses in your Portfolio?

A simple way is to invest in risk-free assets (Government bonds, PPF, EPF, bank fixed deposits).  You will never see losses. However, by shunning risk completely, you might have to compromise a bit on the long-term returns. And if you consider risky assets (gold or equities) for higher returns, you must prepare yourself for portfolio …

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Nifty + Liquid Fund Momentum Portfolio: How it fares against a 50:50 (Debt: Equity) portfolio?

While index funds are gaining acceptance among informed Indian investors, it is always interesting to test out certain rule-based investment strategies and how those strategies have fared against simple portfolios. Rule-based strategies can eliminate human biases, or so I hope.  In this post, we compare the performance of the following 4 portfolios over the last 18 …

Nifty + Liquid Fund Momentum Portfolio: How it fares against a 50:50 (Debt: Equity) portfolio? Read More »

Market Crash: How could we have reduced the pain?

The last few weeks have been terrible for equity investors. And we don’t know if it will get worse. The market correction has been savage. And nothing has been spared. The best of blue chips have been battered. So have mid and small caps. Global equities have been trashed too. It is not just the …

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Your Parents’ Retirement Corpus is not your Investment Project

It is good that you want to assist your parents in their money decisions. At the same time, you need to be cautious while handling their investments. What if the investments go wrong? You may say that even if these investments were to go wrong, you will be around to take care of them. Yes, …

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You can take this Tax Benefit even under the New Tax Regime

The Union Budget 2020 gave a choice of tax regime to the taxpayers. Continue with the old tax regime and keep taking tax deductions. OR Opt for the new tax regime (lower taxes) but don’t take tax deductions As a taxpayer, you can calculate tax liability under both the regimes and opt for the one …

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Loss in Franklin Debt Mutual Funds: What should you do?

On January 17, 2020, many debt mutual fund investors with Franklin AMC woke up to a nasty surprise. NAVs of many popular debt mutual fund schemes from Franklin had gone down by 4-7%. Why did this happen? Many of Franklin debt mutual fund schemes held debt issued by Vodafone-Idea. What about Vodafone-Idea? On January 16, …

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The Price you pay for Guaranteed Returns in Investments

Once you lose money in stock markets or any other investments, there is a natural tendency to shift to products that offer guaranteed returns or that seem to offer guaranteed returns. While it is important to make investments that are aligned with your risk appetite, you also need to make investments in line with your …

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