There is a lot of hope about the current Elections and the potential for growth post it. The expectation is that industry and people in general would see growth in their economic status with the formation of a new Government. The capital markets are also expected to benefit from the election. Given the current state,…
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In our previous blog based on our primary research conducted on more than 2000 working professionals across age demographics and different geographic locations of India, we had covered how 90% working professionals in India would not be able to meet their financial goals. Continuing our findings from the research report, we cover Retirement Planning as…
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It is common to hear investors saying, “I lost money in the stock market”, “The markets are not good, I will never invest in equity”, “Why do you recommend investments in equity markets, they are bad for us”. It is not surprising that the negative sentiments result in very few retail customers investing in the…
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Our president Mr. Pranab Mukherjee, while addressing 40th convocation function of All India Institute of Medical Sciences (AIIMS) in New Delhi, said “It was unacceptable that almost 80% of the expenditure on healthcare by people was met by personal, out of pocket, payment. I am shocked to note that as many as 4 crore people…
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Average returns tend to not reveal the entire picture when it comes to investment decisions. In today’s world, most of us look at our portfolios in real time and take split second decisions on the investments made. However, due to the volatility of the markets often these decisions lead us into the wrong path. The…
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Among the best practices followed by the top investment managers, tax is an important aspect to be considered. It is common to see advisors in the West talking about pre-tax returns and more importantly post-tax returns. However, in India, we do not talk about post-tax returns when talking about the returns of the investment portfolio.…
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A report titled Rent vs Buy: a Personal Finance Perspective by ArthaYantra, company that provides personal finance services, shows that though traditionally buying a property is considered better compared with renting, the reality may not be so. Usually, buying a home is considered to be a means for financial security and creation of wealth whereas…
DetailsThe current economic uncertainty combined with the inflated real estate prices makes the Buy or Rent decision tougher for a common man. Zero or negative growth in incomes, higher interest rates and shrinking carpet area for the same money make a strong case for a personal finance driven rather than emotional Buy or Rent decision.…
DetailsTable of Contents Summary 1. Introduction 5 2. Methodology 6 3. Assumptions 7 4. Findings 4.1 Historical data of Real estate prices 8 4.2 Property Cost vs Rental Value 9 4.3 Down Payment 11 4.4 Area 12 4.5 Rent to Buy Ratio 13 4.6 Break Even Horizon 14 4.7 Comparision with 2012 15 5 ArthaYantra…
DetailsTake the equity route for children’s education if the goal is at least 15 years away; investing in debt alone will result in a lower corpus Mumbai-based Pushpa K and her husband have started saving for their children’s future requirements, primarily higher education, a goal more than 15 years away. They have started systematic investment…
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