Last Updated on September 4, 2018 at 10:19 am Nearly two years ago, one of my personal finance influencers, Ramesh Mangal, cautioned me that there is no clear-cut relationship between risk and reward. Although he had pointed me towards proof of the same, I did not pay much heed to it at that time. Now…

Last Updated on March 19, 2016 at 8:31 am Do past returns matter? Does it make any sense to choose a mutual fund that has performed consistently in the past? After all, there is no guarantee that it would continue to perform well in future. Let us try out a simple exercise. Download returns data…

Last Updated on April 12, 2017 at 8:38 pm Budget 2014 appears to have struck a cruel blow to debt mutual fund investors and distributors. Here is the latest version of the debt mutual fund vs. fixed deposit calculator to evaluate the utility of debt mutual funds. Update: Ramesh Mangal pointed out an error in…

Last Updated on September 4, 2018 at 10:19 am ‘Look before you leap’ is simple commonsense that escapes us Homo sapiens in most of our day-to-day activities. From eating, driving, breeding(!), spending, investing …. When it comes to investing, the following pattern appears to be way too common for comfort: A young earner realises the need to saving…

Last Updated on September 27, 2016 at 2:47 pm Whenever there is a discussion on stocks versus fixed income, someone or the other would say, ‘volatility is short-term but growth is long-term.  One can expect the markets to always rise over the long-term.  So buy and hold’. To this, someone or the other would respond,…