Investing Insights

Three personal finance lessons you wish you learned in school!

Most of us learned about algebra and the water cycle in school—but not how to budget, invest, or grow our wealth. Here are three personal finance lessons you probably wish you were taught early, and how learning them now can still change your life.

How Financial Advice is helpful in Investment Planning

With the widespread proliferation of FinTech based DIY (Do it Yourself) investment planning platforms, the role of a financial advisor has taken a backseat in the minds of some people. While the convenience and ease of transactions that these DIY financial advice platforms provide cannot be disputed, the ultimate efficacy of financial advice is the end outcome – which is, does it enable you to achieve your financial goals or not? And anecdotal evidence suggests that platforms that remove the financial advisor from the investment planning process are usually found wanting when it comes to this litmus test.

What are the main objectives of Financial Planning?

Financial planning is more than just choosing investments—it helps you manage your budget, track your financial health, and make informed money decisions. A well-structured plan reinforces good investment behavior and keeps you on track to achieve your financial goals, ensuring long-term financial security.

How can you make the best use of a SIP Calculator?

If you’re new to Mutual Fund investing, the first question that you’ll ask is whether you should invest a lump sum or start a SIP (Systematic Investment Plan). If you decide on a latter, a Mutual Fund SIP Calculator can be extremely helpful. However, a lot of investors who are new to SIP investments tend to remain confused about how to use a SIP calculator to arrive at an investment plan that is optimally suited for their financial goals. Part of this confusion about the SIP calculator stems from the fact that many investors end up confused about how SIP returns are calculated in the first place!

What Are Child Education Plans and How Do They Work?

When planning for your child’s education, traditional child plans like ULIPs and endowment policies often fall short due to high costs and lower returns. A smarter approach is to combine aggressive mutual fund SIPs with a term insurance plan for goal protection. Consulting a financial advisor can help create a more effective and customized child education plan.

When should you start with Retirement Planning?

Don’t be fooled by all those advertisements featuring retired couples sipping cocktails on a sunny beach. Retirement Planning is serious business; and a mix of social, cultural, and economic factors are making it a more critical element of your financial planning with every passing day. Unfortunately, recent research also shows that only about 50% of us are habitually saving for our retirement planning.

The 5 things all great Advisors expect from their Clients

While much has been said about the traits of great Financial Advisors, the fact remains that the Client-Advisor relationship is a deeply symbiotic one, whose long-term success is contingent upon the attitudes and actions of both parties involved. Here are the five things that your Financial Advisor expects from you to ensure that your investing experience a great one.

Five Traits of Smart Investors

It goes without saying that the COVID 19 crisis has tested the mettle of investors like never before. From the heady highs of February to the dark depths of March, and to the sharp recovery that has followed since, market movements of 2020 have been truly unprecedented. However, smart investors continue to remain relatively unscathed through all this madness, while the less smart ones have seen their portfolios getting pulverized. Do you want to be a smart investor too? Start off by cultivating these five traits that characterize them.

Five Mutual Fund categories worth considering right now

Navigating the post-COVID investment landscape can be challenging, but choosing the right mutual fund categories can help you balance risk and returns. From low-risk Arbitrage Funds to high-growth Small-Cap Funds, this guide explores five fund categories suited to different risk appetites, helping you make informed investment decisions.

Is COVID19 triggering these Behavioural Biases in you?

Investor psychology is crucial in wealth creation, yet behavioral biases often lead to poor financial decisions. Conservatism bias, action bias, and loss aversion bias can significantly impact investment outcomes, especially in volatile times like COVID-19. Understanding these biases can help you stay on track with your long-term investment strategy.

5 Financial Lessons from COVID 19

The COVID-19 crisis has highlighted key financial lessons, including the importance of health insurance, an emergency fund, disciplined investing, and avoiding market timing. It also emphasizes why having the right financial guidance can make a big difference in uncertain times.

NIFTY soars past 10,000 – here are 5 mistakes to avoid

Cheering the Government’s move to “unlock” the economy after more than two harrowing months, the stock markets rallied strongly, taking the bellwether NIFTY index past the psychologically important 10,000 mark yesterday. As an investor, here are five mistakes you should guard your portfolio against.