Year 2021 has given great returns to investors. While the index returns are always discussed and debated, the actual returns that you get will depend on the funds you are holding and the weightage to each fund. For reference, here…
Category: Mutual Funds
(Quoted in Morningstar) Should you invest in Credit Risk Funds now?
Recently, my views on Should you invest in Credit Risk Funds at this juncture? were published on Morningstar (India). So if you are invested or planning to invest in Credit Risk Funds, then you might like to read Should you invest…
Read More (Quoted in Morningstar) Should you invest in Credit Risk Funds now?
The Rise of Mutual Funds App in Indian Market
There was a time, in the mid-2000s (when I started investing in MFs) when it was not so simple to begin investing in mutual funds. Lots of paperwork, cheques, and time lags. But times have changed. With the advent of…
I can invest Rs 50,000 (50K) per month. How to start?
I got a mail from a young reader. Here is the summary: “I am 28 years old. Due to a job switch recently, I can now invest close to Rs 50,000 per month. I already have Rs 10,000 monthly EPF…
Read More I can invest Rs 50,000 (50K) per month. How to start?
Invest Rs 1.5 lakh in ELSS Fund for 10 years, Then Do Nothing till 60 – Results?
Recently, I happened to meet a distant cousin who is 25 years old. We got talking and as usual, we discussed savings (my bad). And about his savings patterns. He was, like many other young people out there, unable to…
Read More Invest Rs 1.5 lakh in ELSS Fund for 10 years, Then Do Nothing till 60 – Results?
Doing SIP of 1% of Home loan – SIP Trick? (Analysis 2022)
When you take a home loan, you may want to prepay it quickly. I have heard this many times that doing a SIP of 1% of Home Loan Amount can be a good idea. Some refer to it as SIP…
Read More Doing SIP of 1% of Home loan – SIP Trick? (Analysis 2022)
When Rs 1 Crore FD Monthly Interest is used as SIP in Nifty [Case Study]
How about Using monthly interest from Rs 1 Crore FD as SIP in Mutual Funds? That is, you use the FD monthly interest as SIP. Can this be one ideal option for new investors who are looking to scale equity…
Read More When Rs 1 Crore FD Monthly Interest is used as SIP in Nifty [Case Study]
7 Best Investment Options for Salaried Indians (2022)
When we Indians start earning for the first time, the first brush with savings happens via EPF deductions. Your salary is automatically deducted and some amount goes towards your EPF corpus. Then comes the first tax-saving season. When we wake…
Read More 7 Best Investment Options for Salaried Indians (2022)
I am 30. Want to Retire at 50. How much to Invest Monthly?
I got a mail from a reader asking how much he needed to invest to retire at the age of 50. He is 30 and said that he had practically no savings at all. So it's like starting your investment…
Read More I am 30. Want to Retire at 50. How much to Invest Monthly?
Power of Equity – Simple example of Wealth Creation
Recently, I was talking to a relative about how he managed money when I realized that despite being young, he was somehow not too convinced about the potential of equity for long-term wealth creation. So I thought I will try…
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SIP Investing (in 2022) – Advantages & Facts
The idea of SIP in Mutual Funds in India needs no introduction. Investors like us already know how SIP works and why it’s useful. But nevertheless, I thought it would be a good idea to highlight the advantages of SIP…
Don’t Worry about Returns from your Emergency Fund
When it comes to putting money in an emergency fund, I suggest you don’t focus on returns. I know you may feel that your money should work hard and earn good returns. But when it comes to an emergency fund…
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How to build Retirement Corpus of Rs 5 crore – in 15, 20, 25, 30 & 35 years?
You want to retire with Rs 5 crore in India. That’s a good solid goal to have in 2022. Till the 2000s, there was a common belief that Rs 1 crore would be enough to retire comfortably. But with inflation…
Read More How to build Retirement Corpus of Rs 5 crore – in 15, 20, 25, 30 & 35 years?
Is Cheap (low) NAV better in Mutual Funds?
First, low NAV doesn’t mean that it’s a cheaper fund. Second, NO, cheap or low NAV is not better in mutual funds. In reality, the NAV of a fund is irrelevant and ideally, it shouldn’t even be considered when making…
Which is Best SIP Date (2022) in Mutual Funds?
Which is the Best SIP date for mutual fund SIP investments in India? This is one of the questions that I often get from readers (as well as my financial planning clients). Some similar questions are - Which is the…