Simple Steps to De-risk Your Investment Portfolio

Risk management is the key to investing in volatile instruments like equity (or gold). De-risking refers to a process of containing losses. This typically is achieved by targeting a better risk-adjusted return instead of a ‘better return’.De-risking can passive or active. Here are some simple steps to de-risk your investment portfolio Cautionary note: A mutual fund SIP…

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Features of the freefincal mutual fund and financial goal tracker

A little over two years ago, an automated mutual fund & financial goal tracker was released. It was made with extensive beta testing by readers and is reasonably popular despite the availability of user-friendly online trackers. The tracker sheet is a monster and can be quite daunting for a new user to navigate. So here is a…

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A Step-By-Step Guide to Long Term Goal-Based Investing

Here is a step-by-step to guide, plus calculator, to begin and track long-term goal based investing.  Most goal planning calculators tell you how much you should invest.  This sheets asks you, how much you can invest and goes about calculating the portfolio return. With that you can calculate the asset allocation required (equity to fixed income ratio)….

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Warning! A long-term financial goal will soon become a short-term financial goal!

All long-term financial goals would soon become short-term financial goals. Perhaps it is obvious that with the passage of time that a goal 18 years away, will soon become a goal 3 years away.Children’s education goal is the best example of this. ‘They grow up so fast!”, we hear everyone say around us. Question is,…

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Risk Aversion Almost Always Implies Risk Ignorance!

If you type the following in Google: “Sukanya Samriddhi account risk averse”, you will find several articles that suggest that the Sukanya account is ‘suitable’ for risk averse investors. Such statements make me want to throw up. Risk aversion almost always means that the person does not understand the risk involved with a particular investment…

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