Dwaipayan Bose Articles

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Domestic consumption is one of the most important themes of the India Growth Story. India enjoys a demographic advantage as far as this theme is concerned. We have a young population; the average age is just 29 years (Source: Ministry of External Affairs). As per National Family Health Survey 2021, 88% of the population is...

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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...

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The equity market has been very volatile over the past few months. The Nifty is down 17% from its 52 week high and the Nifty 50 TRI is down 11% on a year to date (YTD basis) Data source: Advisorkhoj.com as on 20 June, 2022. High inflation is the main concern of equity markets around...

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Global financial markets have been volatile over the past 6 months due to high inflation. Bond yields have been rising for the nearly 18 months and the 10 year Government Bond yield is at a 3 year high now (as on 6th June 2022). Bond prices have an inverse relationship with interest rate / yield changes i.e. prices go down...

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The equity market has been challenging for the last 6 to 9 months due to variety of concerns e.g. spread of Omicron, high commodity prices, trajectory of interest rates, the War in Ukraine, slowdown in Chinese economy etc. Over the last 6 months, the Nifty 50 is down nearly 12%, while the broader market, particularly...

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Asset allocation is one of the most important aspects of financial planning. The purpose of asset allocation is to balance risk and return in your portfolio. Quantum Mutual Fund’s 12 – 20 – 80* asset allocation strategy is aimed at building a balanced diversified portfolio which invests across different asset classes. The long...

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Multi asset allocation is diversifying your invests across at least three asset classes e.g. equity, fixed income, gold, REITs, InvITs etc. Multi asset funds are hybrid mutual fund schemes which invest in at least three asset classes primarily equity, fixed income and gold. Different asset classes have different risk / return...

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In the Union Budget of 2021, interest on PF contributions (contribution made by the employee) above Rs 2.5 lakhs will be taxable as per the income tax rate of the employee. This has caused concerns among many salaried investors. In this article, we will discuss about who will get affected by this, how they will be impacted and possible...

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planning... or start their retirement planning late in life, which may put their financial inRetirement planning is one of the most important life-stage goals especially for salaried people. The financial objective of retirement planning is to accumulate a sufficiently large corpus which can meet cash-flow needs of you and your...

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ESG is an acronym for environmental, social and governance, which form the three pillars of this style of investments. Environmental factors relate to impact (favourable or unfavourable) which companies have on climate change, how they use the natural resources, waste management etc. Social factors relates to how companies...

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