I am a 35-year-old working woman living in Pune with a 4-year-old daughter. I earn âš1.2 lakh per month, and my husband is a freelance designer with a fluctuating income. We currently live in a rented apartment but plan to buy a house in 3-4 years. I want to ensure my daughterâs higher education is…
Now that you’ve seen it, tell me doesnât that sum up half the financial arguments you see online. You say mutual funds? Someone screams “stocks!” You say fixed deposits (FDs)? Someone else declares them useless. Apparently, on social media, picking one thing means trashing everything elseâand nuance has left the chat. Hereâs the truth: very…
With these numbers, India stands at the precipice of its largest intergenerational wealth transfer. Over the coming decades, trillions of rupees will shift hands as family businesses, assets, and investments transition from the first-generation wealth creators to their heirs. Yet, despite this seismic economic shift, most wealthy Indian families remain woefully unprepared. The absence of…
As we enter the financial year 2025-2026, a lot has changed in recent times. Financial markets have been extremely volatile, interest rates are on a decline after a five-year hiatus, and US President Donald Trump’s tariffs have left the world markets jittery. Amid this turmoil, many investors who have specific long-term investment goals are in…
But history shows that markets move in cyclesâshaped 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…
Choosing a mutual fund requires careful planning and objective analysis of data including past returns. Here we examine the past returns of a mutual fund scheme i.e., Quant ELSS Tax Saver Growth fund which has arguably given good returns in the past 25 years of its existence. Sample this: If an investor had invested âš10,000 every…
If you are planning to invest in a mutual fund, then the better way to do is through an SIP (systematic investment plan) instead of lumpsum. An SIP can help you average out the cost of acquisition of mutual fund units, thus maximising your chances of earning higher returns. There are some investors, meanwhile, who…
As you enter your apartment, you unlock your phone again to find the app still showing the discount on the latest model of your 18-month-old phone. Without much thought, you click âBuy Now.â Read this | Navigating – and optimising – the three phases of wealth creation Whatâs at play here is the âwealth effect,”…
As you are aware that the Union Government is set to roll out the Unified Pension System (UPS) from April 1, 2025 to give fixed, inflation-linked pensions to subscribers. As of now, the scheme is meant only for 23 lakh central government employees and the state government employees are permitted to opt for them. Wealth…
Globally, the traditional 60:40 equity-to-bond portfolio has long been the foundation of asset allocation. However, the experiences of recent years have prompted investors to rethink how to build more resilient portfolios that can withstand various risk scenarios. This evolution in thinking emphasises the importance of active management, careful security selection in both equities and fixed…
