Latest Saving, Investing & Mutual Fund Articles

With rise in short term yields, the spread between the 2 year and 10 year Government bond yield has narrowed to just 12 bps, this is a good time to invest in debt mutual funds which invest in corporate bonds to lock in the high yields...

In Part 1of this post, we discussed how lower interest rates can be the new normal in the medium to long term. Low interest rates will necessitate a rethink in approach to post retirement planning for Senior Citizens. In the second part...

Over the past 2 years, many senior citizen relatives complained to me how managing regular monthly expenses was becoming challenging with cut in bank interest rates. On a deposit of Rs 50 lakhs, senior citizens have seen their...

The not so secret recipe in the wealth creation is the “power of compounding”. The concept of compounding is simple. Power of compounding is nothing but interest earned on interest or profits earned on profits. The power of compounding over...

This month, India celebrated 72 years as a free country, and as the daughter of Indian diplomat, Independence Day has always been special. No matter what year we were born in, when we look back, we all feel India has come a long...

Mutual Funds are a form of investment wherein investors with similar financial objectives invest their money in mutual funds schemes which invests in equities, bonds, securities and/or money market instruments depending...

Equity Linked Savings Schemes not only helps investors save taxes under Section 80C of Income Tax Act 1961, they can also help investors to create substantial wealth in the long term. Rs 1 lakh invested in ICICI Prudential Long Term Equity...

Till about 2014, debt mutual funds were seen primarily as tax arbitrage opportunities vis a vis bank term deposits (FD). In the first union budget of the present NDA Government, debt mutual fund taxation was changed and debt...

LIC Mutual Fund Unit Linked Insurance Scheme is an investment cum insurance product, which offers investments in equity oriented hybrid asset class along with life insurance cover. Launched in 1989, the Unit Linked Insurance Scheme is one...

One of the biggest benefits of SEBI’s Mutual Fund Scheme re-classification initiative is that, investors now have a clearer idea about the market cap composition and risk characteristics of a mutual fund scheme. Large and midcap...