Expense ratio, or the expense a mutual fund house incurs to operate a fund, is a charge all investors must bear. Although this may not seem like a huge liability to you, it is these charges on which mutual fund houses heavily bank their profits, irrespective of the profitability of their equity schemes. The expense… Read More »
With a fear of a prospective fall in the market, fund managers have decided to revise their investment strategies in the field of equity schemes. They are increasingly hiking their cash holdings in products, while at the same time, trimming their exposures in Futures and Options (F&O) that were initially used as hedges to protect… Read More »
There are various types of debt funds that are available in the market with varying maturity periods. Depending upon the investor’s requirements the funds can be chosen. The short-term debt funds carry high liquidity whereas funds whose maturity period extends for up to 10-15 years or even beyond, have low levels of liquidity. Debt assets… Read More »
Currently there is an increasing awareness about the importance of a credit score and the impact it has on any loan who wish to opt for in future! If you are one of those individuals who plan to take a home loan a few years down the line and do not have a credit score… Read More »
Owning a home gives you a sense of pride and liberty, but also many responsibilities. For a first timer, it would be a rather complicated process, especially ‘saving’ for down payments. The savings for a home purchase can be started at any time, much before you seriously start shopping for a home. With the RBI… Read More »
Investors in fixed income instruments are constantly in the lookout for products or tools that offer higher rates of interest than others. As interest rates continue to spiral their way upwards, debt instruments like company deposits and bonds have proved that they are quite the catch in terms of returns and diversity. Company fixed deposits,… Read More »
With panic rising amongst investors in the country, people who have invested in fixed deposits are afraid of a further slash in interest rates and are hence rushing to renew their fixed deposits at the existing rates of interest. Banks are further trying to focus on their Current and Savings Account also known as the… Read More »
Never really thought about this option? Well it is the fact. If your Public Provident Fund (PPF) has completed 1 whole financial year, then most probably you will be entitled to get a loan against it. But first, there are certain conditions that you need to comply to. Firstly, your account needs to have completed… Read More »
It is very important to know about your financial advisor, as you entrust him with your hard earned money. With the aim of investing, one should not buy a personal loan, home loan etc to bridge the gap between their dreams and finances just because they were forced into wrong financial decisions which were committed… Read More »
You do not want to pay the price of something you are not responsible for. Especially when it comes to credit card frauds, there have been instances in the past where people have borrowed loans, personal loans etc just because they didn’t report a credit card theft on time and when they noticed it was already too… Read More »