There are many types of Mutual Funds meant for the varying investment needs of people. Some investors want high returns that only stocks can deliver. Such investors can invest in Equity Mutual Funds which are among the best long-term investment options available for achieving such objectives.But these Mutual Funds have the risk of higher volatility...Read More

  ⏳When investing in Mutual Funds, one of the most common questions is, ‘Does my money get locked up?’  In a Mutual Fund scheme, the money is Invested and not Locked, and the money always stays yours. It is simply being managed by a professional fund manager.  Your money is always easily accessible. 💸 The structure of a Mutual Fund ensures...Read More

Most people think that being rich and being wealthy are the same thing. But there is a difference between the two. The rich have lots of money but the wealthy don’t worry about money. Rich might have lots of money but also might have lots of expenses that keep them up at night. This could...Read More

Most people don’t understand that when it comes to being rich, it’s not about how much money you make, it’s about how much money you keep. Most people struggle financially because they don’t know the difference between an asset and a liability. Partly this is because schools don’t teach people what an asset and liability...Read More

The question is – can you avoid the risk of an accident while traveling. No, you can not. But you can certainly ‘Manage the Risk’ Similarly, in investment, one needs to manage the risk by solid Risk Management principles. However, we need to understand one more ‘Very Important’ principle of investing. This principle says that...Read More

Our investments are constantly exposed to some or the other risks at every point in time. Let’s understand them one by one. 💰Credit Risk: Whenever you invest in Debt type of investment, you should check the credit score or Credit rating of the institution or the instrument where you are investing your money. As there...Read More

The basic principle behind age-based asset allocation is that your exposure to portfolio risk needs to reduce with age. As a person grows old he is willing to take the lesser risk. Hence a person approaching his retirement may wish to invest in Assets having lower risk and assets having higher liquidity (Asset Allocation). This...Read More

While we compare Equity and Debt and decide upon an investment the most important factors we have to decide upon are – –Risk–Liquidity-Taxation-Returns Risks:Our investments are exposed to risks such as- -Default risk or Credit Risk-Interest Rate Risk-Volatility Risk-Inflation Risk This risk is associated with both Debt and Equity. As the value of money goes...Read More

Retired people usually have their savings and investments locked up in bank FDs, PPFs, gold, pension plans, etc. Most of these options are difficult to convert to cash immediately. This may lead to undue stress in case of medical or other emergencies. Mutual Funds provide much-needed liquidity to retirees as they are easy to withdraw...Read More

Our choice of meals when we dine depend largely on the time at hand, the occasion and of course, our mood. If we’re in a hurry, say during an office lunch or eating before boarding a bus/train, we may opt for a combo meal. Or if we know a combo meal is famous, we may...Read More