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Latest Articles in personal finance

Three Steps Towards Wealth Creation

Start with the minimum ticket size for the private equity fund instead of going all out

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3 Reasons Why A Financial Plan Is Essential

Financial Planning forces you to consider your important personal finance ratios, such as your savings to surplus ratio, and your debt to income ratio. Keeping these ratios in check automatically prevents you from taking on more leverage than is healthy at any point in time

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What's The Best Age To Invest Into Real Estate?

If you're looking to make a leveraged investment, and have the cash flows to do so, start off in your 30's and have maintain an investment time horizon of a decade, for best results. If you're looking to buy as an end user, there's no real 'ideal' age

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Options for Post-Retirement Income Generation

If you’re recently retired with no reliable future income stream in sight other than the ones you’re going to generate from your accumulated investments, you’re probably familiar with the sense of confusion that can abound during this time. Should you stick 100% to risk free assets? Should you only invest into bank deposits? Are Life Insurance policies the way to go? Should you deplete your corpus or aim to keep it constant as the years roll by? These are just a few of the questions that could be passing through your mind right now.

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How Much Cover To Take & What Products To Look At A Specific Age

It is important for the customers to critically look at the above factors so that the right kind of products are chosen and right level of cover is purchased

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Should You Opt For The Growth, Or Dividend Payout Option?

The basic structure of an MIP can be replicated in a far more tax efficient manner by artificially creating a portfolio with a 25:75 asset allocation in favour of debt funds

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RBI Cuts Repo Rate By 25 bps: Here Are The Key Personal Finance Takeaways

We can expect range bound yields in the medium term, coupled with a small reduction in home loan rates. Deposit rates may fall slightly as well. In the short term, our bond markets will be keeping a close eye on inflation trends and monetary policy moves in the US and EU

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Tricky Times Ahead For Mutual Fund Investors

Take the SIP route for best results and hang on bravely even if and when markets correct

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PPUS Will Raise $1 Million, Says Pernia Qureshi

The funds would be utilized for marketing purposes and to introduce technological advances into the brand

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What Are Corporate Bond Funds And How Do They Work?

Corporate Bond Funds are best suited for seasoned debt fund investors who understand the precise risks at play

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'ULIP Products Have A Correlation With Markets By Design'

Sudhakar Shanbhag, Chief Investment Officer, Kotak Mahindra Old Mutual Life Insurance Limited, speaks to BW Businessworld about his take on the markets, the impact of GST, Kotak Life's Investment Strategy and how the life of a Life Insurance CIO is different from that of a Mutual Fund CIO.

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4 Debt Fund Terminologies Every Investor Should Know

The Average Maturity of a debt fund is an important parameter to consider before making an investment decision

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5 Questions To Ask Your Life Insurance Advisor Before You Buy

If only we had a rupee for every time someone bought a Life Insurance policy without fully understanding its features, we'd surely be millionaires by now! The next time you decide to add to your Life Insurance portfolio, make sure you ask your Advisor these 5 questions before you sign off

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