Latest Saving, Investing & Mutual Fund Articles

Asset allocation refers to diversification of investments over two or more asset classes. When we talk about asset allocation, investors usually think of a mix of equity and fixed income. Multi asset allocation is spreading your investments over at least 3 asset classes. These asset classes are equity, fixed income or debt, gold...

Net Asset Value or NAV is a very important term in the lexicon of mutual funds. NAV is the market value or price of one unit of a mutual fund scheme. It is the per unit price you pay or get when you are buying or selling (redeeming) mutual funds. You should know the correct NAVs of your mutual fund schemes when you are filing...

Tax payers can claim deduction of up to Rs 150,000 from their taxable income by investing in certain eligible schemes specified under Section 80C of Income tax Act. There are several investment options under Section 80C for different needs and risk appetites. Unfortunately many investors look at tax planning, purely from...

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...