One goal? You may still need more than one type of fund The tenets of asset allocation often mean that while your goal may be one, you may require multiple financial instruments to achieve it.
What you consider inflation, doesn't work when it comes to these two expenses Education expenses and medical expenses have historically overshot the average rate of price increase in an economy.
Can mutual funds give you safety of capital? These funds are from the liquid fund and ultra-short term fund categories. You can use their unique features of low risk and stable returns to build the portion of your financial portfolio that caters to capital preservation.
Quitting your 9 to 5 to leave the city behind? Consider these money aspects first. If you plan well and manage your finances prudently, you can achieve your desire for a calm life away from the hustle-bustle of modern cities.
Your financial plan is not just about investing Your financial plan depends not just on investing, but also on your current financial state and the life stage you are in.
Relying on small savings for your retirement? Think again. The withdrawal of the circular, on small savings scheme interest rates, on March 31 brought a lot of cheer but, we cannot ignore that small savings rates have been falling for nearly two decades now.
Make sure to have these three money conversations at home Evolving money conversations at home should begin by involving these discussions.
Why Income from assets and gains are not the same When you invest in a financial asset, have a clear idea of where you expect your return to come from, is it income or gain?
Should you replace your EPF contribution with equity? There are those who had increased their contribution to EPF on a voluntary basis to get advantage of the earlier nontaxable, guaranteed, high interest pay out, but is it still worth your while to continue such voluntary contributions or should you switch?
Can your investment goal be to maximise returns? If you don’t have a defined goal, you can save just for the sake of saving and invest those savings just for the sake of earning returns.
Why Bitcoins are more for trading Without taking away from the practical utility of bitcoin as an alternative currency, one has to determine its value as an asset. Here are three things that make bitcoin more an opportunistic trade than a long-term investment.
Should you buy bonds directly? Debt mutual funds invest in individual corporate bonds giving investors a wide variety of choices. If you are thinking that it may be simpler to just subscribe to a debenture issue from one of the corporates then here is what you need to know and keep in mind.
