A lot has been said and discussed about asset allocation. But asset allocation remains beyond reach of common investors. Mostly you need an advisor to design asset allocation with precision. In this article we shall discuss a simpler strategy which can replace the asset allcoation. This strategy is known as Bucket Strategy. It is seen...Read More

During current lockdown all of are facing an unprecedented situation. We probably had never been locked into our housed for such a long period. On one hand this seem to be a much-deserved compulsory holiday, however on the other hand, many of us are facing stringent cash flow crunch. Especially those who are into businesses...Read More

For most of us personal finance means doing some investment in Mutual Funds, FDs or Shares and having couple of insurance policies. It mostly doesn’t go beyond that. Some of us who are more aware, deliberate on type of insurance policy they should have, kind of mutual funds they should buy or maximum amount of...Read More

Preparedness for Education of your child Meghana and Sandeep are successful doctors in the city. Both being in the medical profession, wish their sons Gautam, 17 years old and Parag, 13 years old to become Doctors. Dr Meghana and Dr Sandeep worked hard all these years and established themselves financially well. The couple being conservative...Read More

Every election in India brings about some volatility in stock markets. We have experienced this in past 5-6 elections. During the period of elections, the market swings up and down wildly. During this volatility, there are chances that the value of existing investments go down or go suddenly up or it can move both ways....Read More

Liquid Fund is a category of Debt Mutual Funds. Debt Mutual Funds who invest in very short-term market instruments such as treasury bills, government securities, bank certificates of deposits and corporate bills are called as Liquid Funds. Most of these instruments contain either no risk or low risk. Liquid funds are an open-ended fund investing...Read More

We live with the conflict between reality and aspirations. Aspirations are becoming more prominent. Ideally saving up first and buying later is the way. In case we buy today and pay tomorrow, necessarily means we are not eligible to buy today, as we may not have money. Buying on EMI has the following flaws- Paying...Read More

NPS is a good tax saving alternative. Under section 80 CCD (1B) you can save tax on investment of max of Rs 50000 in NPS. This is over and above section 80 (C). With recent changes, NPS allows you to withdraw 60% of the total investment (plus returns) without having to pay any tax. However,...Read More

Investment in any instrument should be according to the Risk Profile of any person. Risk ability of a youngster is usually considered to be high. Since youngsters have large time period left for investments he can afford to take the risk of generating higher returns. Mutual Funds have different types according to Risk Returns ladder....Read More

Most of the people start thinking about saving tax in the month of January. As there are plenty of tax saving instruments available in the market, here we would tell you why Equity Linked Savings Scheme (ELSS) or tax saving/planning mutual fund schemes are the best tax saving option for you. Let’s Understand the top...Read More