P Saravanan

Articles By P Saravanan

217 Articles

Smart investing: Align your investments with your financial goals

Go for a judicious mix of investments across asset classes such as equity, debt and gold to achieve your financial goals

Debt funds: When should you invest in floating rate funds?

Floating rate funds are best in a rising interest rate scenario because the interest rate on underlying bonds would tend to be reset to higher levels

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Personal Finance: Equity investing — It’s time to rebalance your investment portfolio

Determining the frequency with which one should rebalance their portfolio depends on the investor’s risk tolerance, costs associated with rebalancing, etc.

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Stock market: Keep your emotions in check in the market

In the world of investing, emotions often cause investors to make suboptimal decisions. So go by facts and figures, rather than your feelings

Systematic transfer plan: Know when STP is a better investment strategy

STP suits investors who have a lumpsum amount in their hand and like to take advantage of cost averaging and volatility

Mutual Funds: Why flexi-cap funds are right for every season

Since flexi-cap funds invest across market cap segments, they offer both growth and value to investors and at the same time, strike a balance between risk and volatility in a single portfolio

Equity investing: What makes momentum investing viable?

The major advantage of momentum investing strategy is that investors are buying an asset which is already moving up

Equity investing: Itching to redeem investments? Think again

Before redeeming your investments ensure that your financial goals have been achieved or are very near. A proper asset allocation plan will help you book profits in a systematic manner

Stock Market Investment: Buying stocks? Know limit order vs market order

If completing a trade is essential, then a market order is the ideal one. But if buying a share at a specific price is a deciding factor, then a limit order is the perfect one.

Smart Investments: Know how style investing works to your benefit

Style investing generally produces a lifecycle of investment styles. So, investors should not look at the frequency, average gain or size in isolation but rather consider frequency and size of gains together

Stock Selection: GARP – Mix of growth & value investing strategies

Investors should identify a growth stock which is undervalued and then gain when earnings rise. So, buy stocks when the P/E ratio is lower than the rate at which earnings per share can grow in the future

Equity investing: Know how to make the most of special situations

Special situations offer an investment opportunity to those investors who can foresee and interpret the implications of that opportunity well ahead

Smart investing: Know the beta value of your equity investments

Investors should choose shares with different beta for their portfolios and arrive at a target beta for the portfolio which suits their risk preference

Mutual funds: How to assess your fund manager’s performance

Jensen’s Alpha represents how much of the rate of return on the portfolio is attributable to the manager’s ability to derive above-average returns adjusted for risk

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.
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