When we hear about Health Insurance, we think of an insurance plan which generally covers the cost of treatment when you are admitted in the hospital. The pay outs are made on actual expenses incurred in the hospital during the treatment period. These...Read More
So the next time someone tells you "looks are deceiving", "all that glisters is not gold", "it is not what it looks like", do not dismiss it as a cliche All that is a cliche stems from the truth. Even though we often dismiss...Read More
Equity markets never move in one direction only. Market advances or declines based on a variety of factors on a day to day basis. Sometimes the movement against the market trend can sustain for days and weeks...Read More
I came across this chart over the internet which suggests that instances of negative returns decreases with increase in Mutual Fund SIP tenure. This led me to another question. What would this chart look like if we change the criteria from 0% returns, as implied above, to a minimum of 14% returns that is generally expected by...Read More
The problems faced by small independent financial advisors in trying to grow their business are quite a few. These problems are not unlike the problems, which many small businesses face when they try to scale up...Read More
On the eve of Independence Day, I wish that people of India also vow for being financially independent. Let’s celebrate 15th August by not only feeling proud of being a citizen of Independent India but furthermore...Read More
Though index funds have experienced huge growth in assets under management (AUM) over the last few years, there is relatively less awareness about factor based index funds or smart beta index funds. Factor indices are constructed based on quantitative, rule based investment strategies based on factors which...Read More
About one year back, I read a funny article in article written by Morgan Housel in the popular US investment journal The Motley Fool. It was about excessive use of certain jargons by investment experts and financial...Read More
You may have been repeatedly told that not having a financial plan is a bad plan. If you do not have a concrete plan lined up by your 40s then you may be preparing for a catastrophe. Now you are in your forties and you...Read More
India can take pride that we have always been a country of savers. From a high savings rate of 36% of GDP to a low of 30% of GDP, Indians have always been big savers. Most of our savings are directed towards...Read More