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Markets risks and Mutual Funds

Markets risks and Mutual Funds

Mutual Funds ads always have a warning “Investments in Mutual Funds are subject to market risks”. Other than Mutual Funds only Cigarette or Alcohol have some sort of warning. So, people associate MF investment with cigarette smoking!

Retirement Planning

Retirement planning is one of the most neglected of one's financial planning. Retirement always seems to be in the very distant future - even if one is nearing the 60s! In fact, it should be the most important. Generally one starts earning around 20, stops earning at...

Goal based planning

Goal based planning

Generally, the start of an investment is by a statement like "I have Rs.10,000, where should I invest?", "Which is the best Mutual Fund to invest in?", "Which share should I invest in for the long term?" Logically, before you make any investment at all, you should...

Market Timing – a Sucker’s game!

Market Timing – a Sucker’s game!

I met a lady a few days back. She wanted some investment advice. Whilst talking to her, she told me of an incident when the markets were high and she thought of withdrawing some of her investments in Mutual Funds, but did not. A short while later, when she needed the...

Community and Banking – Combination for scams

Community and Banking – Combination for scams

Generally, we feel comfortable with people that we label as ‘my community’. That is why Konkanis will bank with Saraswat bank or NKGSB bank, Mangaloreans will bank with Bharat bank, Maharashtrians will bank with Mumbai cooperative Bank, people from Punjab will bank...

Bonds and the Yield Curve – 9 to 12

Bonds and the Yield Curve – 9 to 12

The Yield Curve – 9 Now that we understand the interest rate of a bond is inversely related to the price and more importantly, higher the return, higher the risk. So, if someone is offering you a higher yield on anything, automatically the mind should go “Kuch gadbad...

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