5 Mutual Fund Selection Mistakes Which You All Make
Confused about how to go on with your mutual fund selection? Read on – [I] Past returns: The number one mistake people make with their mutual fund selection process is to invest based on past returns. Often investors look at returns generated over the past 1–3-year period and invest on that basis. However, all empirical […]
Mutual Funds for Long Term (SIPs and Lumpsum investments)
Until a few years back, I invested wholly on my own. Almost 100% of my investments were in stocks and I hardly ever looked at mutual funds. Over time, I have realized the importance of diversification both in terms of asset classes and also in terms of managers. It is important to put your investments […]
Understanding the stock market – a confluence of science, patience and luck
Back in 2014, at the peak of pessimism in stock markets there were hardly any takers for even the most marquee names in the stock market. Today’s Rs. 2300 share of Reliance was trading at 450. Infosys at 400 and HDFC Bank at 320 (both trading above Rs. 1000/ share today). These days things are […]
Why I Don’t Disclose
A few days back somebody asked me why I do not disclose the portfolio of stocks I am holding. He went on to ask me if I have sold Maruti Suzuki, a stock I had never ever purchased. He showed me an article where I was quoted as saying “ …. It makes a good […]
Financial Planning for a Post Coronavirus World
Things continue to go from bad to worse in terms of the coronavirus epidemic. Yet the stock markets have recovered up to 20% of their losses over the past 2 week. As an investor how should you go about your financial planning? The answer to this is not very different from how you should have […]
Structured Product – Edelweiss Twin Win and Large Cap Review
What is Structured Product? Structured product is a hybrid investment instrument which combines investment instrument such as equity, commodities or derivative to earn a fixed or variable rate of return with pre decided minimum fixed return. The combination allows the product to maximize the probability of generating higher than expected return while keeping the downside […]
Financial Advisors are for your benefit – Here’s What You Should Know
Financial Advisors do not charge you commission, they save you money. I have had many cases where (potential) clients call in for advice, extract limited guidance and disconnect thinking they do not need a financial advisor once they knew his broad view, or as it happens in many cases – the name of his favorite […]
3 Habits for Successful Investing
Let me assure you – No matter how positive (or negative) you are about something, there will always be much which will not be in your control. There are things you cannot change and things that are totally in your control. The hard task is to understand the difference between the two. When I started […]
Overseas Investment Fund: Top Destinations and How to Go About it
Over the past12 months or so I have received many queries on overseas investment(s) by Indian residents, and fund managers. Below I address the issue for those of you who may be looking to set up an overseas investment fund for (A) tax efficiency and for the (B) ability to invest in stocks around the world. 2 things […]
Investment Advisory: Misselling, Cold Calling and Commissions
How many times have you got a call from someone claiming to be from a big mutual fund advisory company or the credit card department of a bank pushing their products? Stop right now! I hope you do know- THEY LIED TO YOU. As a matter of fact, regulated mutual fund advisory, insurance, banks etc. […]