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P Saravanan

Articles By P Saravanan

203 Articles

MUTUAL FUNDS: Know the risks associated with quant funds

Though quant funds operate on the basis of a set of rules and are free from fund manager bias, the method used for stock selection is not transparent

Equity investing: As markets rise, it’s time to rebalance portfolio

Investors should rebalance their portfolio regularly in-sync with market movements to minimise losses and manage risk.

MUTUAL FUNDS: Investing in NFO? 4 key factors you need to know

Check the new mutual fund scheme’s investment thesis, asset allocation strategy, stock selection rationale and the track record of the fund house and the fund manager before investing in it

Mutual funds: Know the risks associated with AT1 bonds

Mutual funds are among the largest investors in the perpetual debt instruments segment and hold over `35,000 crore of the outstanding AT1 bond issuances of `90,000 crore

Health insurance: Tips to ensure your health claim is not rejected

The most common ground for rejection is incorrect or false information in the application/claim form

Stock markets: Know grouping of shares in BSE before investing

While ‘A’ group shares are good for trading and investing purposes, keep away from ‘Z’ group shares as they fail to fulfil even the listing norms of BSE

Group ‘B’ accommodates all the shares that do not fall into any of the above discussed categories. Generally ‘B’ group shares witness normal trading volumes and come under the rolling settlement system. As on date, 2,216 companies are classified under group ‘B’.

Equity Investing: Know how value averaging investment works

Value averaging investment plan mandates the investor to start with the end goal in mind and even allows the investor to sell if market conditions are favourable

Mutual Funds: Are balanced advantage funds perfect for you?

Expect a reasonable return from balanced advantage funds as over the long-term, they offer returns that are higher than debt funds but lower than that of equity funds

Retirement planning: Should you go for an annuity insurance plan?

One major advantage of annuities offered by life insurers is that there is no cap on investment. It removes the risk of re-investment at a time of low interest rate regimes

Initial Public Offerings: How to find the right IPO to invest in

For every high-profile IPO which provides significant gain on its day of listing, there are many newbie shares that disappoint investors as the long-term performance of IPOs is underwhelming

Smart investing: Should you have green bonds in your portfolio?

While green bonds may not yield the same returns as that of the traditional bonds, they offer investors a better diversified portfolio and also carry lower risks

Investment Roadmap for 2021: Proper asset allocation for good returns

Rebalance your portfolio, ensure a mix of cyclical and defensive stocks, and keep away from speculative stocks

Fixed Income: Avoid interest rate risks with a bond ladder

A bond ladder investment strategy provides current income while minimising exposure to interest rate changes as the bonds mature at staggered future dates, based on the number of rungs in the ladder

Construction of your bond ladder is fairly straightforward to create.

Mutual Funds: Index funds are good for first-time investors

If you are new to investing in equity and risk-averse, then investing in index funds is a good idea as it will provide you an exposure to a broad-based portfolio at a low cost

As the portfolio is based on the particular index, there is less churning of the portfolio.

Economic Indicators: Is it the right time to go for stock shopping?

As the stock markets have bounced back from multi-year lows to all-time highs in less than a year, investors should pick stocks as per their risk appetite

The economy is showing multiple signs of recovery in the festival season especially during Diwali.

Smart investing: Using Sortino Ratio to choose mutual funds

Sortino Ratio is best-suited for conservative or risk-averse investors since it focuses only on the negative deviation of a portfolio’s returns from the mean

Smart Consumer: Spend or save? Finding the perfect balance

Adopt the 50:30:20 rule by allocating 50% of your income to essential expenses, 30% to buying things you want and 20% to savings for the future

Rather than thinking of spending and saving as an all or nothing, mentally allocate a portion of your income to both.

Diversifying Your Investments: Have you thought of investing in commodities?

If your portfolio is focused only on shares and bonds, investing in commodities offers you a way to hedge against portfolio risks

Systematic Withdrawal Plan: Use SWP to redeem mutual fund investments

You can create your own pension or generate a secondary regular income by setting up a systematic withdrawal plan for your mutual fund investments

To conclude, SIP helps investors to learn the disciplined approach towards investing and SWP helps disciplined withdrawal of the same.

Smart investments: Is it the right time to book profit from equity?

There is no ideal time to enter and exit the stock market. So, instead of being swayed by market volatility, focus on what you can control and keep a long-term holding horizon

Know how you can bolster your credit score

Catch up on missed payments as early as possible and make on-time payments to improve your credit score

Stock selection: Value investing is essential in today’s market

While selecting stocks, pay attention to companies with strong fundamentals that are trading at low valuations currently due to business mix and Covid-19 led disruptions

indian share market, COVID-19

Fixed Income: Select your debt fund investments carefully

Invest in top quality instruments in the debt market such as Government of India bonds, AAA rated blue-chip companies and PSU bonds to preserve your capital.

Stock Market Investment: Should investors bet on beaten down stocks?

Beaten down stocks have different risk-reward characteristics compared to trending stocks and have the potential to provide a good rate of return and beat benchmark indices

During the same time, BSE Small-Cap index recovered 56%and Mid-Cap index by 48%.

Here are some good-to-know facts about mid-cap equity funds before you invest

Invest in mid-cap funds only if the market volatility does not affect you much and your investment horizon is longer

This category of funds aims to gain from the change in the valuations that happen when a mid-cap company grows into a large-cap company. Mid-sized firms have more scope to expand and often in their rapid growth phase.

Want to invest for short term? Go with gilt funds for risk-free returns

If your investment goal is to accumulate stable returns with no credit risk, gilt funds are the best. In a volatile market scenario, they are the safest and right choice to earn good returns.

Risk Tolerance: Knowing how much risk is too much risk for you

Assessment of risk tolerance is a crucial part of the asset allocation process and helps the investor in constructing optimal portfolios. Take the help of a financial planner to know how much risk you can handle

For instance, if you are a high net worth individual then you would have a high capacity for risk during a market downturn.
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