Should you go for that Shiny new mutual fund? If the fund is just another diversified equity fund or another short-term income plan or balanced fund, it’s unlikely that the strategy itself will be a differentiator.
Can a hybrid fund replace your individual equity and debt funds? Should you find the ideal hybrid fund or is it more prudent to do your own asset allocation?
Tax planning or goal setting which comes first? Align the tax planning such that your financial goals are also achieved.
Are you too old to invest in equity mutual funds? If you have missed the early bus to wealth creation through equity MFs, are you worried that it may be too late to take on the risk that comes with it?
SIP or Lump Sum – what works better? SIP and lump sum investing are both worthy ways to set up your investment account. It doesn’t have to be one or the other.
Should you invest in a focused equity mutual fund? A focused fund in structure is similar to a diversified multi-cap fund with one very important distinction – the portfolio is more concentrated than a regular diversified equity fund. But does this mean better performance?
Retiring early? Three money matters you must consider Maybe it’s to travel the world extensively or give back to society in a more meaningful way by investing your time or you may simply want to settle in a sleepy town to go fishing every day. Whatever your reason, if you plan to retire in your 40s you need to be well prepared financially.
Are your FMPs, and Debt Funds, at risk? What should you do? It is definitely a problem if you don’t get the amount you expected when a financial security with a defined period and pay-out matures.
How much should you invest in equity? Given that the nuances of equity investing are a lot deeper, it is wiser for you to perhaps focus more on practical aspects of risk, return, and your goals while deciding your equity allocation.
Don’t opt for the dividend option in mutual funds For those who were choosing the dividend option in debt funds and are subject to the 10% or 20% income tax rate, it is now more suitable for them to pick the growth option and pay short term capital gains tax if they redeem before 3 years or long-term capital gains tax with indexation on redeeming after 3 years.
Three goal setting mistakes you need to avoid The start of a new financial year is a time to look forward to salary hikes and, even promotions. This is, actually, a good excuse to review and recharge your financial goals. While planning and goal setting are essential to managing your investments, but they need to be thought through.
Don’t wait – invest to save tax now! This year try to get a jump start on this activity. Plan and execute your tax saving investments now.
