Latest Saving, Investing & Mutual Fund Articles

Savings is the money left in your bank account after all your regular and discretionary expenses. Your regular living expenses include food, rent / EMI, utilities (electricity, phone, broadband etc), fuel, school fees for children etc. Your discretionary spending may include restaurants bills, movie tickets, clothes, appliances, gadgets...

We are in the third quarter of this tax assessment year (AY 2023-24). If you have not made your tax planning investments in this financial year, now is a good time to plan your 80C investments. You can claim up to Rs 150,000 deduction from your taxable income by investing in schemes eligible under Section 80C of Income...

With the onset of Navaratri around the end of September, the festive season has formally begun in our country. This is a time of celebration with family, relatives and friends. This is also the shopping season for many households in India. Big ticket purchases like new vehicles, real estate etc. are usually made in this auspicious...

Corporate bonds are debt instruments issued by companies to the public. Corporate bonds have a fixed tenure i.e. they mature on a fixed date and they pay regular interest (also known as coupons) at regular intervals e.g. monthly, quarterly or yearly. Corporate bonds can either be secured i.e. backed by the company’s assets...

The old proverb, "do not put all your eggs in one basket", is one of the most important tenets of investing. This old proverb can be applied to investments and mitigated through diversification. Risk is an intrinsic aspect of investing; if you are not willing to take risks, you should expect only the lowest possible returns. You...

Silver like gold, is considered to be auspicious in India. Many Indian households buy silver on auspicious occasions like Akshay Tritiya, Dhanteras, and Diwali etc. In Indian cultural tradition silver jewellery and utensils are often gifted to new born babies or on auspicious events like Annaprashana. Apart from its use...

Retail investors in India have traditionally favoured Bank Fixed Deposits and Government Small Savings Schemes for their fixed income investments. However, fixed deposit interest rates have generally been declining over the years (see the chart below). Nominal interest rates are directly related to inflation. As...

Ultra-short duration funds are debt mutual fund schemes which invest in debt and money market instruments such that their Macaulay Duration is between 3 to 6 months. Ultra short duration funds usually invest in commercial papers (CPs), certificates of deposits (CDs), Treasury Bills, overnight securities (TREPs) etc. The...

Indian retail investors have traditionally favoured fixed interest products over market linked products even though our financial industry has evolved a lot over the past 25 – 30 years. As per RBI Bulletin on Financial Assets and Liabilities of Households (September 2021), bank deposits comprise 53% of household financial assets...

Global equity markets were highly volatile in the first half of the year due to high inflation and the War in Ukraine. Unlike the past, Indian retail investors showed a lot of maturity in volatile markets and most investors continued their Systematic Investment Plans (SIPs). As per AMFI monthly SIP data, monthly SIP inflows dipped...