Investing Insights

Nilesh Shah, MD of Kotak Mutual Fund, speaking on disciplined investing and long-term wealth creation

The Right Way to Invest: Keep it Simple, Stay Patient and Be Disciplined

For most Indians, financial freedom means having enough money to live life on your own terms. No need to depend on others or worry about costs for basic needs. Sounds like a dream, doesn't it? But it's achievable if you follow the right investment approach with discipline.

Nifty PSU stocks Rose More than 100% Last Year: Should You Invest?

The Nifty PSE Index gave an eye-popping 113.39% return (as of 30th April 2024) in the last one year. With this kind of performance, the index has grabbed the attention of investors. Many of them are looking to invest in it. In this article, we will explore the Nifty PSE Index, its constituents and the sectors they are spread across, its returns, who should invest and how much.

A pair of hands gently cupping a red heart with a white cutout silhouette of a family (two adults and two children) in front, symbolizing protection through health insurance.

Your Guide to Buying a Health Insurance Policy

Several general insurance companies and standalone health insurance companies offer health insurance plans. Each company offers multiple health insurance plans. Within each health insurance plan, there can be two to four variants.

Infographic featuring mutual fund unit certificates alongside a loan document and cash icons, illustrating the option of taking a loan against mutual fund investments during a financial emergency.

Financial Emergency: Is Taking a Loan Against Mutual Fund Units Better Than Redeeming Them?

Sometimes, we face financial emergencies and the only option left is to sell our assets or take a loan against them. In this article, we will discuss whether taking a loan against mutual fund units is better than redeeming them.

Digital illustration representing 5 incredible learnings for successful investing, featuring icons for long-term wealth creation, goal-based investing, and the value of investment experts.

Successful Investing – 5 Incredible Learnings From the Past 20 Years

The year was 2001 and Atul, an avid investor, was all geared up to secure his retirement. He was 40 years old then and his retirement was 22 years away. He started investing Rs. 25,000/- every month systematically in an equity mutual fund… Before I reveal the outcome of Atul’s investing journey, let us dive into some valuable investing lessons of the past 20 years.

Calculator, house model, and savings representing early home loan repayment strategies, EMI planning, and interest cost reduction.

Ways of Repaying a Home Loan Early and Saving Interest

Everybody aspires to buy their dream home at some stage in life. But, for most people, a dream home purchase with their own money is not possible due to the huge amount involved. Hence, most people have to resort to taking a home loan.

Illustration representing the evaluation and understanding of a term life insurance policy before purchase

10 Things to Consider when Buying a Term Life Insurance Policy

If you are the sole earning member or one of the earning members of your family, you need to buy term life insurance. Your life insurance policy is a financial backup for your family in the event of your untimely demise.

Technical stock market candlestick chart with trend lines illustrating market volatility and the impact of Lok Sabha elections on stock market performance.

Upcoming Lok Sabha Elections: Do They Warrant Any Change in Your Portfolio And Strategy?

India will be heading to Union Elections in the months of April and May. The results will be announced on 4th June 2024.

Stacks of gold coins and gold bars with an upward-pointing arrow, symbolizing rising gold prices and strong investment returns. The scene has a rich golden-brown background, emphasizing wealth and growth.

Gold: Why Do Indians Buy Gold, Its Returns, How To Buy, And Is Buying Gold A Good Investment?

On 22nd March 2024, the 24-carat gold prices in Delhi hit an all-time high of Rs. 67,985/tola. The price rose after the US Federal Reserve, in its monetary policy meeting on 20th March, indicated that it will cut interest rates in the second half of 2024.

Stacks of coins arranged in ascending order, each with a small green plant sprouting from the top, symbolizing financial growth, investment, and wealth accumulation over time. The background is softly lit, emphasizing the theme of sustainable or long-term

Small-Caps Are Correcting: Should Investors Be Worried? What Should They Do?

In the last few months, small-cap funds have been the most favoured segment of retail investors. Small-cap mutual fund schemes have been attracting a lot of fund inflows from retail investors. On 7th February 2024, the Nifty Smallcap 250 Index hit an all-time high of 15,489. Since then, the index has corrected a little over 10% as of March 2024. Some individual small-cap stocks that are a part of the index have corrected even more in the 15-25% range or higher. As a retail investor in small-cap mutual funds should you be worried about a further correction? What should you do? Let us discuss.

A person in a business suit is seen activating a digital toggle switch labeled

Is Insurance a Good Investment?

You invest regularly to achieve your financial goals. While doing so, you should buy life insurance as it is your family's financial backup in the event of your untimely death. It is recommended that you keep the two (investments and insurance) separate, as each has a distinct purpose. However, many people end up mixing the two in a single product in the form of a participating life insurance policy or a ULIP (unit-linked insurance plan). Is it a good idea to keep insurance and investments separate or buy a bundled product? Let us discuss.

A man in a suit wearing a face mask sits on stairs with his head in his hand, appearing distressed, against a backdrop of a declining stock market graph—symbolizing financial crisis or market downturn.

Why the ‘Stress Test on Mid and Small Cap’ Funds Should Not Stress You Out

Looking at the high returns of mid and small-cap mutual fund schemes in the last one year, retail investors have been pouring big money into these schemes. Recently, SEBI and several market experts have been raising questions on the valuations of mid and small-caps and the froth building up.