Author
As an Editorial Consultant for BW Businessworld, Aniruddha writes independently on investor awareness, correct financial planning & investing practices and the impact of regulatory developments on the personal finance ecosystem. He holds an MBA with distinction from Oxford.
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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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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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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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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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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Take the SIP route for best results and hang on bravely even if and when markets correct
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The basic rule of the pyramid is to start from the bottom and move up, rather than attempting to address all aspects of it at once
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Corporate Bond Funds are best suited for seasoned debt fund investors who understand the precise risks at play
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The investment limit in exchange-traded funds (ETF) has been recommended to be raised from 10 per cent to 15 per cent by the Central Board of Trustees
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Most customers are only aware of the joining and annual fees on their card. Other important charges like finance charges, rewards redemption fee and cash advance charges are usually missed
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