P Saravanan

Financial planning: Five steps towards financial freedom

Discuss and take important actions such as paying debt, gaining control over spending, saving for children education, retirement, tax planning, early retirement, and the like.

financial planning, financial freedom, personal finance, emergency fund, debt, insurance, IIM Tiruchirappalli News

Investment tips: How portfolio choice can help you make money in volatile times

During market volatility, an investment portfolio constructed by optimising expected returns based on the level of market risk would be effective

According to Markowitz, the process of selecting a portfolio is an important activity. One must carefully chose the shares or assets in the portfolio. The shares must be selected on the basis of how each asset will impact others as the overall value of the portfolio changes (Illustration: SHYAM Kumar Prasad) News

Index funds: A good bet for risk-averse mutual fund investors

These funds are affordable and well-diversified, and they generate good returns over a period and sometimes outperform actively managed funds.

Index funds, mutual fund, mutual fund investors, BSE Sensex, NSE Nifty News

Confused over investment plan? Follow these 5 solid tips

Investments have three characteristics: safety, income and growth. The first thing you need to decide is which of these three characteristics is most important

Make a list of all investment choices that meet your stated goal. Then take the time to understand the pros and cons of each instrument. Then, narrow down your final investment choices to a few that you feel confident about (Illustration: Rohnit Phore) News

Retirement Planning: What is the right retirement corpus for you?

The kind of post-retirement lifestyle you envisage, family circumstances, your health status—all influence what kind of a nest egg you will need for your sunset years.

financial planning, income tax, income tax return News

Financial Planning: 5 tips for handling unexpected expenses

Once the essentials such as shelter and food are covered, look to cut back on non-essential expenses wherever possible. Perhaps a few months away from Amazon Prime or Netflix would not be too bad if it means you are free from

A medical emergency or job loss can leave you strapped for cash. Here’s how you can be ready for any financial emergency (Illustration: SHYAM Kumar Prasad) News

Financial planning: Steps to take when your baby comes home

Creating a secured financial future for the newborn is one of the most important things young parents should do, but very often many of them do not know what to do and where to begin.

When the baby completes 90 days, she becomes eligible for health insurance. Adding the child to the health policy of your existing family floater health insurance policy is a must. Also, have a detailed discussion with your life insurance agent to get a new policy or update an existing policy News

Financial planning: Have you got a financial wellness check-up done?

No financial stress, living within your means, a manageable loan burden, a strong financial foundation and being on track to meet your long-term financial goals are some of the hallmarks of financial wellness.

Money News

Should you go for an NCD? Check the pros & cons

NCDs are an ideal alternative to bank fixed deposits and debt funds provided they are issued by reputed companies and have higher credit rating.

Money News

Mutual funds: What information ratio tells about your fund manager’s performance

Information ratio measures the fund’s performance relative to its benchmark and adjusts it for market volatility. If the ratio is between 0.61 and 1, then it is a great investment.

mutual funds, information ratio News

Investing in stock markets? Be cautious if promoters are pledging shares

The risk for investors arises when the promoters have pledged either all or a significant percentage of their holding as it could trigger a volatile price movement in a falling market.

Money News

Integrity risk: A new danger that faces investors in stock markets

Every business has its own associated risks but vanishing companies pose integrity risk

stock markets, capital market, Companies Act, IPO, IPO grading, director identification number News

Know how fusion investing unlocks value

Fusion investing attempts to integrate traditional and behavioural paradigms to create more robust investment models.

Money News

How to repay loan: The snowball method can be the magic to live an EMI free life

Is it possible to lead a debt-free life as most of us are burdened with car loan, education loan, personal loan, credit card outstanding, etc?

Money News

Side pocketing: Here are pros and cons for retail investors

The Securities and Exchange Board of India (Sebi) permitted the mutual funds who have an exposure to troubled assets (such as IL&FS) and certain funds giving negative returns, to use side- pocketing tool.

Money News

Financial Planning: Decide on your savings goal at the year’s start

To conclude, by adopting the above, you are positioning yourself in the best possible place for achieving financial success, but it takes extreme discipline, dedication and repeated sacrifice.

Money News

Investment planning: Diversify portfolio to minimise political risk

As investors cannot avoid geopolitical risks, they must keep their eyes and ears wide open on political matters, both national and international.

Money News

Government Securities: Are G-Secs better than fixed deposits for retail investors?

Investing in government securities is one of the safer investment options available to individual investors because these are risk-free instruments and provide portfolio diversification and are available for longer investment

Money News

Buying insurance from agent? Top 3 things you should always keep in mind

With mis-selling quite prevalent in the insurance industry, it is good to do some fact-checking on the agent and the policy before signing on the dotted line

insurance, insurance tips, insurance company, how to buy policy, online policies,  insurance industry News

How R&D creates value for the firm and, ultimately, the investor

Companies invest every year significant amount on research and development (R&D) activities because they want to grow by developing new products and services.

income tax, income tax deposit, income tax filed, income tax assessment, income tax return, income tax filed, GST, goods and service tax, unified tax, tax returns, tax payment, economy News

Market volatility: No need to worry for sustainable business models with good marco-economic factors

Mean reversal is a popular theory in investment science which states that asset prices and returns eventually return back to the long-run mean or average.Accordingly, the Indian stock market could probably undergoing a revers

Markets News

Beware of these risks! 5 pitfalls to avoid while using mobile banking services

The use of mobile phones is at an all-time high and mobile banking is one of the fastest growing segments in banking.

Banking & Finance News

Fixed income: Know how downgrades impact debt funds

If the downgrade is for short-term instruments, you need not worry too much as maturity of these instruments is one or two months away. If it is for long-term bonds, then check the percentage of your fund’s assets invested

Markets News

Stock markets: Four simple steps to assess a company’s future performance

Assess the company’s goal and strategy, sales outlook, product-market strategy and investments, and future profitability to determine its long-term sustainability.

Markets News

Stock markets: Investing in a cash-rich firm? Check the source of cash

As an investor, you should know why a firm’s cash pile has goes up. Look at the cash flow statement and not the balance sheet to know the source of such funds.

Money News

Price/Earnings to Growth: Over-valued stocks? Look at PEG ratio

A share with a very high P/E might be seen as overvalued and not a good choice. But, if you compute the PEG ratio, assuming it has good growth estimates, it could actually yield a lower number, indicating that the share is a

Markets News

Financial Planning: Check your risk tolerance level before investing

Often, many think that they are aggressive investors but, in reality, they behave like moderate investors. So, in this process they end up selling some shares when the market falls.

finance, personal finance News