Investment word of the day: An investment approach that chooses securities based on specific characteristics that determine risk and return is known as factor investing. It aims to boost returns, manage risks and enhance diversification by strategically focusing on particular factors. Types of factors The two major types of factors that influence investments are macroeconomic…
Investing in popular sectors or themes with the hope of beating the market can sound like a smart strategy. But in reality, consistently outperforming a diversified portfolio through active sector or thematic bets is as difficult as timing the market—often with results no better than a coin toss. The challenges of picking winners Sectors can…
But history shows that markets move in cycles—shaped by economic indicators, interest rate shifts, geopolitical developments, and corporate performance. Every correction has ultimately been followed by recovery and growth. For seasoned investors, the key lies in patience, discipline, and a well-structured portfolio that can dynamically adapt to changing market conditions. Staying invested through market ups…
I, for one, am worried about where the world is headed. No, this is not only about markets or investments, but something bigger. The world order had largely been predictable in the post-World War II era of peace, with stable assumptions we all lived by, but now everything is suddenly up in the air. I…
Asset quality, assessed through levels of Gross and Net Non-Performing Assets (NPAs), reveals the bank’s risk exposure, while a strong Capital Adequacy Ratio (CAR) signals financial resilience. A high CASA ratio indicates access to low-cost funding, supporting margins. Beyond numbers, it’s essential to consider the bank’s management stability, digital capabilities, and competitive positioning. Together, these…
WASHINGTON (Reuters) -The U.S. regulator overseeing national banks clarified Friday that banks can engage in some crypto activities, and removed expectations firms should receive advance permission from regulators before doing so. The Office of the Comptroller of the Currency said in a statement that national banks are permitted to engage in some crypto activities, such…
I’m going to offer some simple ones, which you can get done while your enthusiasm is high and the New Year is young—resolutions that don’t require you to grit your teeth and exercise will power for 365 days. Most can be finished this weekend, but would give a lifetime boost to your portfolio. First of…
As we approach one more Union budget, a lot is being written about what the government should do. Ordinarily, for a budget, the focus should be narrow on issues like fiscal expenditures and taxes. However, the Union budget in India remains significant in providing direction to the Indian economy in a much broader sense. This…
Venkateswaran (popularly known as Venkat) worked at HDFC Bank before moving to Banyan Tree Advisors, a PMS provider in Bengaluru,and expanding their business significantly. He launched Pygmalion Renaissance in 2018. By this time, many of his long-standing clients from his time at HDFC Bank and Banyan Tree wanted more holistic financial guidance. Today, Venkat’s firm…
The Reserve Bank of India’s (RBI) latest revision of its Master Circular on Fraud Risk Management in banks and other regulated entities has not come a day too soon. Given the rising incidence of financial frauds, it is imperative that lenders adopt a fool-proof process that does not leave any scope for dishonest borrowers to…
