investing – Page 4 – Finance with Karthik

How to understand and navigate Health insurance, especially when you or your parents have chronic illness?

As chronic illnesses like diabetes, heart disease, and arthritis remain prevalent, it is difficult to navigate health insurance in India. These health disorders need on-going medical care, which heavily impacts health insurance decisions. The waiting time is an important consideration when purchasing chronic disease health insurance. This is the time between when you purchase the coverage …

Personal Finance Retirement

Retirement savings should not be compromised for near term goals

While most Indians are financially unprepared for retirement, many are unaware of the gravity of the situation. In a recent poll, just 20% of respondents said that real retirement planning should begin before the age of 30. On average, respondents surveyed were unable to visualize the retirement corpus that they would need at the time …

Shorts

What is known as ‘Base Rate Investing’?

In the rapidly changing field of finance, where emotions sometimes outweigh rationality, base rate investment provides a fresh viewpoint. This method, based on the notion of the ‘base rate fallacy’, enables investors to make judgments based on broad knowledge, minimizing the potential risks of responding to particular short-term influencing information. Let us first try to …

Debt Management Personal Finance

How to choose the right credit card?

Just to start with a disclaimer here, I am not a proponent of a credit card. I do not recommend people to buy credit card, as I am of the old-school follower that spend what you have in your hand, and do not spend by borrowing or taking credit. But the main objective of this …

Shorts

Why investing in micro caps often leads to losses for retail investors?

In the financial markets or in everyday life, not every challenge to the traditional status quo is successful. In the financial world, microcap stocks are considered hazardous since they are. For every story of meteoric growth, there are many stories of downfall and tragedy. An examination of historical data indicates a startling trend: a sizable …

Investments Mutual Funds

Is your mutual fund portfolio cluttered enough? Let us try to understand how to de-clutter it?

If maintaining your mutual fund portfolio is challenging, it might be because you have a very untidy portfolio that has to be cleaned up. In the past few years, mutual funds have gained popularity among regular investors. SIP investments have risen in recent years, as evidenced by the Association of Mutual Funds in India’s (AMFI) …

Shorts

Is India slowly transforming from a ‘Savers’ ‘nation to ‘Investors’ nation?

The Indian equity and bond market has seen a tremendous shift over time. With its strong economic expansion, rising disposable income, and the advent of technology propelled platforms, the whole financial ecosystem is seeing an upsurge in investing. This has resulted in a considerable growth in the number of capital market investors, changing India from a …

Shorts

Are Indian Households investing more in stocks ?

From April 2020 to March 2023, Indian household financial savings totaled Rs. 86.2 lakh crore. Of this, 31.6 lakh crore went into fixed deposits with banks and other financial institutions, while 5.1 lakh crore went into mutual funds and equities, accounting for around 6% of the total movement. That is, just 6% has been invested in mutual funds …

Personal Finance Retirement

Why retirement savings should always take precedence than your near-term goals?

While the vast majority of Indians are monetarily unprepared for retirement, many are actually unaware of the gravity of the situation. According to a poll, just 20% of individuals believe that real retirement planning should begin before the age of 30, and many of them have no clue how much retirement corpus they would need when …

Books

Just Keep Buying – Book review

‘Just Keep Buying’, published in 2022 is a straightforward approach to personal finance that revels in debunking falsehoods and eliminating old cliches about money and personal finance. It delves into the psychology of money and presents a practical guide to making healthy financial decisions, including all-important subjects such as saving and making investments. The author, …