Make Your Money Work For You
First, let’s define alternative assets. An alternative investment is a financial asset that does not fit into any of the traditional investment divisions. Traditional asset types include equities, bonds, and cash. Simply said, these are not classified as standard financial assets like cash, fixed deposits, stocks, bonds, equity, or debt mutual funds. Alternative assets comprise assets …
In today’s age of luxury and consumerism, it is difficult to teach children financial responsibility. Here are some strategies for teaching our children financial responsibility. Children mimic their parents’ saving, spending, investing and borrowing habits. Actions talk stronger than words, and financial responsibility is not taught but rather ingrained from childhood. The path begins with the …
National Pension System (NPS) provides Systematic Lump-sum Withdrawal (SLW) to its subscribers. In this blog-post, we will see what this SLW facility is, and is it beneficial for retirees to withdraw from NPS through SLW. What is this SLW facility? As we all know, when an NPS subscriber achieves retirement or the age of 60, …
As you may be aware, effective April 1st, 2024, all insurers must offer insurance policies exclusively in electronic form. E-insurance refers to a demat account for storing insurance policies. An e-Insurance Account (eIA) allows you to handle all of your insurance policies, whether they are life, health, or general insurance. You no longer need to retain …
First, let us try to understand what ‘SWP’ is. SWP stands for Systematic Withdrawal Plan, which is a means of redeeming your mutual fund holdings. You provide the mutual fund (in which you have invested) a standing order to redeem a specific amount from the fund on a regular basis. The frequency is normally monthly, …
If you’re thinking about investing in gold, there are certain points you should know. Gold is unquestionably a hedge—not only against inflation, but against the volatility of other asset classes such as equity and, at times, bonds. Historically, gold has been chosen during financial meltdowns when stocks fall and government and corporate bonds lose value. So, …
This generation of Indians has an extremely difficult task in supporting their retirement. Recently, every conversation about retirement in India has devolved into a dispute about whether the New Pension System or the Old Pension Scheme is preferable. However, this topic is meaningless to 96% of Indians because the Central and State governments employ just approximately …
Continuing in those stocks which are past their best period and are on the a downward spiral, overly averaging poor quality stocks as they continue to trend down (which is similar to catching a falling knife), substantially making use of debt to invest in equities to get rich quick, and investing more than you are ready to lose …
When markets reach all-time highs or at all-time lows, the age-old debate about valuation reignites. However, before you consider changing your investment allocation based on whether the market looks to be overpriced or undervalued, you must first understand which valuation criteria are important. The price-earnings (PE) ratio is one such statistic that might help solve this …
For retail investors, to manage their investment portfolio volatility due to both macro and micro level factors such as inflation, geo-political crisis, stock market fluctuations, etc., financial experts advice that InvIT’s and Reits could be a good choice for portfolio diversification. Both InvITs and Reits have lately received attention, with mutual fund companies seeking for …