Original analysis, reports, reviews and insights on developments in the mutual fund space and in-depth reviews
Question 2: Name mutual fund types with near zero probability of money-loss? I am big fan of lowering risk and tax. Before I save and invest I try to choose instruments with minimum risk and tax out-go. Of course the type of risk differs: loss-of-money-risk when saving and loss-of-value-risk (or inflation risk) when investing. Choosing…
Continue reading →Use this suite of calculators to compute SIP and lump sum returns, compute SIP corpus and determine SIP amount needed for a goal. This represents an upgrade of my understanding of (a) excel functions and (b) the compounding process. The calculators also help illustrate a common error in converting monthly returns to annual returns. First…
Continue reading →Among the many methods available to safeguard ones investment from stock market volatility, the most popular is to invest a fixed amount at periodic interval irrespective of market conditions. This is of course known in India as systematic investment plan or SIP. One could add an aspect of market timing by gauging returns with respect…
Continue reading →Financial advisory can be divided into components. One which is generic advice, the kind available at the cost of only electricity and internet usage charges in blogs, forums and elsewhere. Then there is personal advice which can be obtained for a fee from a planner or free from your LIC agent uncle. Unfortunately, most confuse…
Continue reading →A few days ago Subra called me to discuss a calculator idea: a comparison between a lumpsum investment made in a bank fixed deposit and a debt fund, like a income fund, over a period of several years. Interest from a bank FD has to be declared each year and will be taxed according to…
Continue reading →This is a calculator which hopes to impress upon you how expensive it can be to postpone planning for retirement. Talk to an average person in his/her mid-20s today about retirement planning and the typical response is: “Please stop! I have just started earning and want to ‘enjoy life’. Buy a car and many other…
Continue reading →Retirement planning is a complicated financial goal. When you save for a new car, exotic holiday or even for the education of your children, all or most of the accumulated corpus would get spent when the time for the goal arrives. So it is easier to calculate the corpus required for such goals. When it…
Continue reading →When you make a financial plan/calculation you usually assume some inflation rate and interest rate. However, there is no guarantee that these rates will be the same as the ones you assumed. If actual inflation was lower and actual interest rates higher, great! Well you know that is a pretty rare scenario. What is likely…
Continue reading →How Much Insurance Do I need? Use this comprehensive needs approach insurance calculator to find out. Before calculating the insurance amount required for you, please take a moment and recognize that anyone of us can die at any time. Remember how you felt when heard of someone young die suddenly. When you fill this excel…
Continue reading →