What 25 Years of Tracking Expenses Taught Me
In this edition of reader story, Kaustubh Prasad shares his lessons and insights from tracking expenses for the last 25 years!
Continue reading →RBI Floating Rate Savings Bonds 2020: Should you buy?
The RBI 7.75% bonds (2018) have been replaced by RBI Floating Rate Savings Bonds 2020 according to a Finance Ministry announcement. We look at its features and discuss who should buy it and when.
Continue reading →New to investing? Avoiding this rookie mistake can make a big difference!
Every year, tens of thousands of people start their careers and recognise the need to manage money. Yet another tens of thousands want to correct past mistakes and get their investments in order. A group just as strong is getting ready for retirement. All of them are rookies or newbies. Here is one rookie mistake…
Continue reading →Do not expect double-digit returns from Nifty Next 50 index funds!
Readers may be aware of the recent studies in which we identified only three midcap funds and only three small cap funds managed to beat the Nifty Next 50 consistently in the last few years. While this is a clear case of investing in the Nifty Next 50 index funds, readers must be aware of…
Continue reading →These smallcap mutual funds have beat Nifty Next 50 consistently!
We look at how actively managed smallcap mutual funds have performed with respect to the Nifty Next 50 (NN50) Total Returns Index. This is a natural follow up to midcap funds vs NN50 study in which we found only three midcap mutual funds have beat Nifty Next 50 consistently over every possible 3,4 and 5…
Continue reading →Tamil Nadu Power Finance Fixed Deposits: Are you aware of risks?
When bank fixed deposits decreases, as usual, senior citizens ignore credit risk and chase after “high return corporate FDs”. The latest craze, Tamil Nadu Power Finance Fixed Deposit offering up to 9.11% return on a 36 to 60-month deposit for senior citizens. Here is what you need to know about these allegedly “Absolute Safety &…
Continue reading →Only these 3 midcap mutual funds have beat Nifty Next 50 consistently!
In this report, we evaluate how actively managed midcap mutual funds have fared against the Nifty Next 50 Total Returns Index. Only three midcap mutual funds have beat Nifty Next 50 consistently over every possible 3,4 and 5 year periods.
Continue reading →Edelweiss Mid Cap Fund Review: do not ignore past changes to a fund!
This is a review of Edelweiss Mid Cap Fund that hopefully serves to illustrate why investors should not ignore past changes to a fund and need to study past fund factsheets and not go by current star ratings.
Continue reading →Want to build an equity mutual fund portfolio? Try these simple steps!
Build an equity mutual fund portfolio with these simple steps explained by SEBI Registered Investment Advisor Swapnil Kendhe.
Continue reading →How indexation benefit lowers tax on debt, gold & international mutual funds
According to the income tax rules, the gain from each unit of a non-equity mutual fund that is older than three years is subject to 20% taxation with indexation benefit using the cost inflation index. With the Cost inflation index for FY 2020-21 just announced, let us see how tax is lowered on all debt funds,…
Continue reading →Investing in mutual funds for beginners: Basic MF questions answered
This is a mutual fund guide for first-time investors to start investing in the right way. It is designed in an easy-to-understand question and answer format. We believe that new investors in mutual funds should first ask and then seek answers to these questions.
Continue reading →Ten lesser-known facts about PPF accounts!
Here are ten lesser-known facts about PPF accounts concerning maturity, premature closure and nomination.
Continue reading →A tool for tactical buying and selling using moving averages
We are happy to release a new market timing tool with which you can convert daily price data to monthly data and compute moving averages for equity (indices, stocks and mutual funds), gold and gilt (using bond yield). This is a follow up to backtest conducted on equity, gold and gilts using double and single…
Continue reading →Want mutual funds with lower risk & higher return? Try this easy method!
Do you want mutual funds that have got a higher return than a benchmark at lower risk? Then here is an easy way to spot them!
Continue reading →Health insurance claims indisputable after 8Y: not a new IRDAI rule!
Many media reports are doing the rounds that IRDAI has issued a new rule in a circular on 11th June 2020 that health insurers cannot question (unless there is fraud) a claim made after holding a policy for eight continuous years. This is not a new development. We also explain what this means.
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