Home loan rates are low. In fact, very low when compared with the historical trends. Many home loans are quoting at sub-7% now! I can't remember when last time the rates were so low in recent past. But that’s not…
Read More Home Loan Rates Falling. Property Prices Down. Should you buy a House now?
Since the start of the year, Gold has lived up to its expectation of being a safe haven. The financial and non-financial world thrown in turmoil due to the pandemic plus its geopolitical aftermath and the volatility of stock markets…
Read More Can Gold ETFs, Funds & SGBs be part of long term portfolio?
Indian large-cap mutual fund space has two prominent options. Active large-cap funds and Index Funds. And this is a discussion about Index Funds Vs. Large Cap Funds in India 2020 to decide whether should you shift from Large-cap funds to…
Read More Should I shift from Large Cap funds to Index funds?
Did the title make your eyes take notice? After all, it's our PM we are talking about. Assuming you want to know how much money our honourable prime minister Narendra Modi has, please read ahead to know PM Narendra Modi’s…
Nifty 50, as you know is made up of 50 stocks of different weightages. And generally, it is accepted to be a well-diversified index that represents the Indian markets sufficiently well. But in recent times, the skewed weights of few…
Read More Top 5 = 44%, Top 10 = 62%: Concentration Risk in Nifty 50?
According to SEBI’s mutual fund recategorization rules (2018), the equity mutual fund schemes that are classified as Large-cap funds have to invest a minimum of 80% of their assets in the large-cap stocks (i.e. in the top 100 listed stocks).…
Read More What are Large Cap Funds in India & Where do they Invest?
Whenever a sector or theme starts doing well in stock markets, investors get excited about it. They see an opportunity to generate better-than-average returns by investing in a sector fund that is poised to grow faster than the rest of…
When fixed deposit rates are so low that there is nothing to write about, then it's natural for people to try to look for alternatives to bank FDs. And one very obvious alternative is the debt fund. Debt funds have…
Read More How Indexation in Debt Funds reduces Tax Outgo? (With Examples)
Ideally, one should plan a house purchase well in advance so that they get sufficient time for arranging (or better still, saving for) the downpayment amount. It’s a general practice that when you take a home loan, you get a…
Read More Should you take a Personal loan for House Downpayment?
SEBI has revamped the mutual fund Risk-O-Meter (or Riskometer) via a new circular in October 2020 (link or download here). This time, the regulator has provided detailed guidelines for deciding the place of each mutual fund scheme on the Riskometer.…
SEBI has directed all mutual funds and AMCs to rename the dividend payout option in mutual funds schemes to Payout of Income Distribution cum Capital Withdrawal option. The circular announcing the change - link or download here. That is: Dividend…
You know this. Your 9-to-5 job is not exactly that. If you also account for the mental stress and mind-f***s you get, it is much closer to 24x7. Zoom out a bit and its 24x365. Zoom out a bit more…
Stable Asset Allocator's quarterly update (for the period Oct-Dec 2020) has been sent to the premium subscribers. If you are a subscriber, you would have already received the email update. If not, please check your spam folders. If you haven't…
Stable Model Mutual Funds quarterly update (for the period Oct-Dec 2020) has been sent to the premium subscribers. If you are a subscriber, you would have already received the email update. If not, please check your spam folders. If you…
Read More Model Mutual Funds Update: Quarterly (Oct-Dec 2020)
SEBI has modified the rules for Multicap equity mutual funds. So now a detailed allocation structure has been introduced for multi-cap funds. This has been done via a circular on ‘Asset Allocation of Multi-cap funds’ (dated 11-Sep 2020: link or download…
Read More Multi-Cap Fund Allocation Rule Change (2020) + Impact on your MF Portfolio
