How even DIY investors can benefit from a registered investment advisor!

In this article, Avinash Luthria explains how even DIY investors can benefit from a discussion with a fee-only SEBI registered investment advisor (RIA). Avinash is a RIA himself and is part of my list of advisors and fee-only India Avinash presents a quiz for investors to assess their knowledge of finance and investing and goes on to discuss an insightful…

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Can I invest in a single multi-cap mutual fund if I am a new investor?

I received two interesting questions received on email. (1) As a new investor, how many mutual funds do I need to begin with? (2) Can I begin investing with a single multi-cap fund? Interestingly, the answer to the second question is “yes” and that is the also the answer to the first question – “one”. Yes, most investors,…

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An investor’s mid-life crisis: the dilemma of delayed financial gyan

Many 35-40+ investors face a crisis: they realise need for equity in the portfolio but have a huge fixed income corpus. In this guest post, Ananth, a member of FB group, Asan Ideas for Wealth discusses how one can handle this problem. Ananth made this important observation in response to this video: I started investing late,…

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Gilt mutual funds eliminate credit risk but investors need to be careful

Gilt mutual funds are those that predominantly invest in government bonds (gilts).For a citizen, such bonds carry no credit risk, that is the risk of perceived or actual delay or default in interest payment*. However, this brings to the table a new of problems that investors need to know of. If you cannot stomach the possibility…

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These five index funds beat their indices! Why you should avoid them!

Here are five index funds based on Sensex and the Nifty that have beat their indices in the last year! Therefore, investors should avoid such funds! Since an index fund has expenses associated with management and commissions (in the regular plan), it is impossible for an index fund to produce a return more than the index…

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House property capital gains exemption with two new house properties

The government announced in the interim budget on 1st Feb 2019 that house property capital gains exemption under section 54 of the income tax act can be claimed by the purchase of two new house (residential) properties. Also read: Revised Tax Rebate Under Section 87A (FY 2019-2020) Explained Existing House property capital gains exemption (section 54) Section…

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