In order to protect your investments, it is best advised for you to not save into any other investments especially in the real estate, if you are into a home loan repayment. A prudent investor is the one who invest into realty only after he has become debt-free. The reason is because, in this crucial… Read More »
Before you start investing in a financial product, it is very important for you to consider the following points: Inflation rate : Considering the current inflation rate which is hovering above 9%, you should consider the rate of return of your financial asset to be more than 9%. For example, what you could buy for… Read More »
As it is always emphasized, you need to concentrate on various aspects like post tax returns and inflation rates etc, and not consider only the returns aspect of investing in a financial product. Apart from having a debt asset and an equity asset, consider having multi-cap, large-cap, mid-cap and equity-linked saving schemes along with most… Read More »
It is very important and highly recommended for you to take a life insurance cover, if you are the highest earning member in the family. Mr. Santhosh, 43, has a home loan of Rs.15 lakh for a tenure of about 20 years. He has a 11 year old son and a wife who is not… Read More »
Although your education loan, for which you have signed up for seems to fulfill all the criteria of covering your expenses while at home, things may not seem that easy once you are abroad. Countries like US, Canada, UK etc, Under graduate students are required to stay compulsorily on-campus hostels, where as the Post graduate… Read More »
Before getting excited about the returns you would get by investing in a FD or any other bond, factor in aspects like inflation and post tax returns. The Real Return: Most often, it is observed that, people consider only the percentage of returns that they will get after an investment period of 10 years. But… Read More »
The mantra to a debt free life is how sound are your savings and investment strategies. The thought of getting into a debt trap of a personal loan, home loan, car loan etc. can be quite disturbing as they can take away your a huge portion of your income. Apart from your systematic savings and… Read More »
Financial planning ans investments are very important and equally is to term your financial goals into long term and short term goals. Short term goals are those where the time period is not more than 5 years. It could include buying a two wheeler or saving funds for your marriage and even for buying a… Read More »
Most times it is observed that, investors sit back and relax once they give a structure to their portfolio, which is not advised. In these dynamic times, it is recommended that, if you have an investment portfolio, do keep a check on it from time to time to assess its worth and to re-balance if… Read More »
Exposure to equities in your early days of career helps you to role in guaranteed high returns in future. They can help you achieve your financial goals without getting into the need of taking a personal loan, home loan etc., only if you pursue a systematic and disciplined behaviour of investing. It is important for… Read More »