Let us face it! Most of us hold too many mutual funds! Either we started with Rs. 1000 SIP in five funds or we saw new “good funds” and decided to “have some exposure to it”, or we stopped investing in underperformers but left the investment in the old fund untouched. After a few years, our…
Continue reading →Are you an NRI worried about managing your money? Perhaps you are going to become one soon? Perhaps you kn0w of NRI friends who may require some help? In this guest post, SEBI registered fee-only investment advisor Vikram Krishnamoorthy discusses money management factors that NRIs should consider and the questions they should ask. About the…
Continue reading →For God’s sake or at least for the sake your family and hard-earned money stay away from bank relationship managers (RM). They mis-sell expensive and unsuitable products to customers who feel self-important and flattered by their attention. This is how and why they do it. You may be well aware of this, but please do share this…
Continue reading →Stock momentum investing is a fascinating and counterintuitive concept like low-volatility stock investing. Momentum investing is essentially chasing stocks with good past performance! In this post, we find out if momentum investing in India works by analysing the S&P BSE Momentum Index. That is, we find out if the strategy can yield better returns than a…
Continue reading →Here is why you should stay away from Motilal Oswal Nasdaq 100 fund Of fund (MOFN100FOF) that will invest in Motilal Oswal Nasdaq 100 ETF (MOFN100). The NFO for this fund of fund is open between 9-22 Nov 2018 and it will subsequently operate as an open-ended fund. However, say no to it if your distributor…
Continue reading →More and more young earners are asking questions such as “My father will be retiring with 40 lakhs how should he invest?” Let us discuss strategies of retirement planning for senior citizens. Here is how your parents can invest their nest egg after retirement. As an example, I consider a question asked by a reader…
Continue reading →HDFC Mid-Cap Opportunities Fund needs no introduction to most fund investors. This 11+-year-old fund is one of the most consistent performers in the mid-cap category. In spite of its AUM almost doubling in the last couple of years, it has managed to stay afloat comfortably. Will it last? In this detailed performance review, let us…
Continue reading →Here is a personal financial self-evaluation checklist that can be used by beginners and veterans alike. It will help you organise your finances systematically and you go can well beyond these Five changes It has been developed from how to Conduct a Personal Financial Audit and my own audits which are done each December (see last years for…
Continue reading →November is the best time to make resolutions, not January. If you keep at it regularly, it will become a habit that you cannot shake off by January. So what better day to start than Diwali?! Here are five important money steps that you can consider working on from today and perfect by Jan 2019….
Continue reading →When I start asking my audience, is it possible to get higher returns at lower risk? Many respond that it is not possible. I enjoy the surprise on their faces when they see evidence that low volatility stock investing works quite well and that it is possible to get higher returns at lower risk. I had earlier…
Continue reading →In this post, I discuss how balanced advantage funds are different from aggressive hybrid funds and when and how investors should choose from these categories. One of the wrong questions that investors ask is, “how much return can I expect from this fund or this category of funds?”. Well, they should first be asking, “how…
Continue reading →I discuss how the power of compounding can be explained to children with an example. The video of an experiment with my 8Y old son is also included. For children under ten, the essential point to be conveyed is that if we do not touch the money invested and let it grow and give it…
Continue reading →In this open-letter to mutual fund AMCs, I ask why they not pushing risk-free debt mutual funds when it is so easy to do so?! Yes, a mutual fund with essentially no interest rate or credit risk. In spite of disclaimers and clear wordings in the scheme documents, investors like to assume that the NAV…
Continue reading →One of the most common investor mistakes is to assume that the alpha of a fund or stock or portfolio represents the excess return over a market index or relevant benchmark. This is technically and factually wrong and especially important when someone compares funds or stocks based on alpha or any one of standard metrics…
Continue reading →Yes, that is right! After 10 years of investing, my equity return is 9%, well 9.46% to be exact. But I am not worried, and I hope you are not too. Here are some takeaways from this journey and a comparison of my retirement equity portfolio with Nifty Next 50 and the Nifty Blend Index…
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