You may have to think about spending less for that purpose, however, the outcome over a period of time will surely have a positive impact on your future financial life. One way to ensure that your regular investments are the last to suffer is automating them.

At the moment liquid funds are delivering an annualised return of 5.5%-6%. This is lower than the 6.5%-7% seen a year ago. However, it is in line with the downward trending interest rates in the economy. If you are feeling disappointed with these returns and think that its better to move to a higher return fund or leave money in the bank itself, first read through the points below and then decide what to do.

In a downturn, the possibility of lower income in the current year is a reality for many, but let’s not ignore the silver lining. A bit of rational thought can help you benefit even in these trying times. Here are three ways you can make the downturn work for you.

Valuations are easy to quote but hard to understand and interpret. Before you think that this is a sure-shot way to build an investment strategy, consider these points.

If anything, this current crisis has taught us the importance of a sound financial plan and to achieve that we must all incorporate these three standard practices in our money management.

Here is what you need to be on the lookout for to avoid taking too much risk in your debt fund.

Each individual will have their own solution to achieve this distance between emotion and decision, but there are some standard measures you can take to ensure a good start.

Ideally, you shouldn’t be concerned about portfolio returns every now and then. Of course, in times of extraordinary market movement, you will want to see what happened but, looking at your portfolio returns too often can be detrimental too.

Whether or not you own equity investments post retirement, will depend on at least these three things

The recent recovery in market prices, might signal hope, however historical experience has taught us that bear markets can continue for much longer. What’s important is the need to take this period as an opportunity to build future wealth, rather than letting fear take over.

For you and me, as well as companies we invest in, this can potentially mean lower interest rates on the loans we seek from banks and such institutions.

Your two options are either to reduce the amount required for the goal and secure it now in a stable return investment or you can extend the time for achieving the goal.