Tag Archives: Investment
Which is the Best type of fund: Index Funds Vs Diversified Funds Vs Sectoral/Thematic Funds
If you are planning to invest your money in equity funds, there are plenty of options in front of you. Broadly the equity funds can be categorized into index funds, diversified funds and sectoral or thematic funds.
Your friend could have told you index funds are safe and cost effective. Your colleague could have told you, infrastructure is going to be the next big theme. So invest in infra funds. As an investor you are confused with the information overload and would like to choose the right type of fund for you. I will unveil this to you today.
Index funds Vs Diversified Funds
Index funds are just index trackers. They aim to replicate the movements of an index. Index funds will hold all of the securities in the index in the same proportion...
Financially Plan & Make a Difference to Your Child’s Future
On a beautiful late spring afternoon, twenty five years ago, two young men graduated from the college. They were very much alike, these two young men. Both had been better than average students, both were smart and both were filled with ambitious dreams for the future. Recently, these men returned to their college for their 25th reunion. They were still very much alike. Both were happily married. Both had a kid. And both had gone to work for the same industry and held similar positions in different companies.
But there was a difference. One of the men’s kid has completed M.S from a reputed university in USA and the other kid has completed a graduation from a local university. What made the difference?
Have you ever wondered, as I have, what...
8 Simple ways to plan your tax
You have got only a few more months to complete this financial year. Very soon you will get a call from your company to submit the proofs for tax saving investments. So why don’t you spend some time on organizing your tax plan?
1) Proper Allocation of Annual compensation
Restructuring your salary with some additional components can reduce your tax liability. This restructuring doesn’t require any additional cash outflow. The following components can be efficiently used to reduce your income tax liability.
Transport allowance to the extend of Rs.800 is exempt
Medical expenses which are reimbursed by the employer are exempt to the tune of Rs.15000
Food coupons like sodexo or ticket restaurant are exempt from tax up to Rs.60000
Individuals...
Where will you be FINANCIALLY five years from today?
The financial secret of moving from where you are and where you want to be?
Would you like to know the financial secret behind moving from where you are and where you want to be? Try to answer this question. “Where will you be financially five years from now? 10 years from now…? 20 years from now…?”
You may get answers like “I will be financially stronger”, “I want to be financially better”. Are these answers specific? If you don’t know where you want to go exactly, there is no focus. When there is no focus; there will be lot of distraction. Distraction either leads to mediocrity or destruction.
How to refrain yourself heading towards mediocrity or destruction? You need to set Specific, Measurable, Achievable, Realistic and...
Get Richer by avoiding this Money Mistake
Mental Accounting is one such money mistake even smart people are committing. Understanding this mistake and avoiding this could make us richer.
Behavioral Finance experts say that mental accounting works this way: Let us say you have bought a Rs.200 ticket to a movie. When you show up at the entrance of the theatre and realize you have lost your ticket, do you buy another ticket?
If you are like most people, you would probably think twice. You may still drop down the money, but you will now feel that you paid Rs.400 for a Rs.200 movie.
But let’s construct the scenario differently. Let’s say you hadn’t bought the ticket yet, and you show up at the entrance to buy your ticket. Unfortunately, you realized you’ve lost Rs200 in cash...
Stock market movements: A crucial factor to investment decisions or not?
Some days stock market goes up and some days stock market comes down. Some days it closes on green and some days it closes on red. Should all these stock market movements play a crucial role for an individual investor in making his investment decisions?
I have some money to invest.
If I see that market is coming down, then I have two choices to make. Either I can decide to invest today or not to invest. IF I HAVE INVESTED TODAY and the market go up tomorrow, then I will be happy because I have bought it at lower rate. Suppose if the market comes down further, then I will feel bad because if I could have delayed my investment by a day, then I could have bought it at much lower rate. IF I HAVE NOT INVESTED TODAY and the market goes up tomorrow,...
8 popular investment myths debunked
Today I am going to debunk a few investment myths. You will know ‘why individual investors are failing miserably and how you can avoid being one of them’.
1. I am too young to plan for retirement
Have you started planning for your retirement? You may be saying ‘who me? I am too young to be thinking about retirement”. It is not so! Rethink. You should have started thinking about it yesterday. Because time flies quickly. If you were smart, and planned for retirement when you are young, your retirement years will be really those “Golden years”. If not you need to compromise and you need to work longer and retire later than others. 2. East or west FDs are safe and best
2. East or West FDs are the best
Nothing wrong in investing in FDs....
Samir 
ramalingam 
Farhaan 
siddharth 
Hans Neukomm 
