Not just in India, but people around the world love to invest in land. In India, the obsession is a bit more, primarily because the land is a tangible asset and people here are vulnerable to falling into “intangible” product scams. “Double your money in 1 year”, “10% monthly returns guaranteed”, “Make 1 crore in…
You might already be familiar with the SIP, lumpsum, or the SWP calculator. If not, today would be a good day to start learning about them. SIP calculator will show you how much will be your portfolio value if you continue investing for a period. Example: Monthly Investment: Rs20000 Tenure: 20 years Assumed Returns: 13%…
You are already aware that the most disciplined investment instrument is the SIP (Systematic Investment Plan). SIP has single-handedly created the maximum crorepathis in India even without their knowledge. Just imagine, someone made a standing instruction to debit an amount from their bank account and invest in mutual funds, which are sitting at massive returns…
There are only three things that you could ever do with money — Spend Save Invest You might have made a long list of items to do when you have money, but at the end of the day, it either falls into one of these 3 buckets, and this is the same for everyone in…
What would be your ideal retirement corpus? When I ask this question to my clients, the responses are usually surprising. Most of them overestimate what they could do in 1 year and underestimate what they could do in 15. In my opinion, an upper middle-class Indian household would require 3 crores to retire financially independent….
In the early days of Investing, there was only one style: Value Investing. In this style, you buy something cheap relative to the rupee and hold on to it until you get a decent return. In the long run, this strategy worked really well as stocks that traded below their fair value recovered and gave…
Have you heard of the term “model portfolio” before? I am quite sure 90% of investors would not have heard this, as most of them are Do-It-Yourself type of investors. The real reason most of the investors would not have heard about “model portfolio” may be because they would not have met a professional investment…
Systematic Investment Plans (SIPs) work perfectly for the salaried class. People who have a regular income can plan for an auto debit every month towards mutual fund investing. What about people who do not have a regular income, like the business owners or the self-employed professionals? Will SIPs work for them? The short answer is…
The biggest drag to optimal returns is premature switching and not a wrong selection of Investment Portfolio. People usually think they made a wrong choice by investing in XYZ funds so they withdraw money to invest elsewhere. They cannot be blamed per se, there are more than 2900+ mutual fund schemes to invest in. How…
Do you know why Systematic Investment Plans perfectly fit investors who do not wish to time the market? The answer is because of Rupee Cost Averaging (RCA). RCA is obviously borrowed (not stolen) from Dollar Cost Averaging (DCA) and the benefits of them as per Investopedia are: Dollar cost averaging can lower the average amount…
