We hear people say Inflation is the rise of prices of products & services. Even though we feel the prices are rising, the technical definition of Inflation is the “Erosion of Purchasing Power”. AI Generated Image If your money bought 100 units of a commodity this year, it may buy only 95 units next year….
There are more than 40 Asset Management Companies (AMCs) in India. Collectively they manage more than 54.54 lakh crores as of Feb 2024 (source). The total number of folios by retail investors is a whopping 13.95 crores. There are more than 2500+ Mutual Fund schemes available, which one will you choose? The answer is “Investment…
Mutual Funds were there from the start, but they became famous only after the Vanguard Group launched their passive schemes. The main reason their offerings became popular was due to lower fees & transaction costs. Earlier on people preferred to invest directly by buying stocks a.k.a. Equity. The advantage of Equity is that there are…
In the last chapter, we learned about the Assets that are available for Investment. In the current chapter, we will learn the precedence of which Asset Class to choose. You can think of this chapter as the practical class for the theory learned earlier. “Everybody has some information. The function of the markets is to…
In the last chapter, we learned about a few asset classes the Rich used to invest. As Mutual Funds became famous ordinary people like you and me were able to allocate money to these asset classes. In this chapter, we will learn about each of these asset classes in detail, few of them are:- Real…
Savings and Investments meant two separate things before Mutual Funds became famous. The main difference between them was Liquidity. Savings came with a higher liquidity and lower yield whereas Investments came with a lower liquidity and higher yield. Liquidity means how soon you can withdraw the money and use it for a financial emergency. Yield…
The first question any Financial Advisor gets from his client is: “Which SIP should I choose?”. The clients are more worried about “what to buy” rather than “why to buy”. Honestly, you cannot blame them. There is a deep-down need for Instant Gratification. The clients need results and that too instantly. They may be an…
The equity markets are booming everywhere. Surprisingly, India is outperforming developed markets in ways never seen before. One of the reasons for this outlier event is the huge influx of retail investors post-Covid lockdown. There are 2 ways to look at an event The optimistic way The pessimistic way The optimist would say “New entrants…
Today we will have a brief intro about my mobile app On the left navigation, you can find options for “All mutual Funds”, “Top Mutual Funds”, “NPS”, “FDs”, “Insurance” etc. When you click each of the links, the detailed plans available will display. Mutual Funds 2. Insurance 3. Fixed Deposits 4. NPS Finally, some important…
When you pay money to a mutual fund AMC, they have to invest in equity or debt according to the goals set. Let us discuss the small and midcap equity funds in specific as the stress tests were ordered for them. SEBI felt the inflow into small caps and midcaps looked like a froth (a…
