Are you the first-time investor and want to time the market? General tendency of investors is to buy at highs and sell at lows, which may lead to losses. The best option is to add balanced funds in a portfolio which increases allocation in equity when markets decline and limit downside by increasing debt allocation.…
Liquid cash is usually deposited in the savings bank deposits. But as the name suggests, a savings account is not an investment account and thus, the deposited money doesn’t earn much interest. Customers save their liquid cash in their bank account as the amount is accessible anytime. Well, isn’t it wonderful if there is an…
Ritu is a simple girl from a middle-class family. She finished her MBA and has taken up a well-paying job. Her parents are proud of their daughter’s achievements and sensibility. Very recently, Anand’s family approached them, asking for Ritu’s hand for their son. Anand is a well-educated gentleman. Both the parties were more than happy…
Employees spend most part of their day time at office and during this time they take a lot of financial decisions. Most of these decisions have financial implication on their life and they tend to dwell on the after effects of these decisions while at work. Should employers be worried about this? It’s high time organizations…
It has been observed that though the employees are informed well in advance at the start of the financial year, the action usually starts from dec till march end. People do not make any attempt to understand pros and cons of the financial products before purchasing but end up investing or purchasing non productive insurance…
Ram has cash surplus of 100000 which is idle in savings bank account earning interest of 4% and he wanted to use for his vacation goal after 4-5months.He had lost opportunity cost of 4-5% investing in bank savings account and also not able to earn inflation adjusted return. Here comes smart decision of investing in…
‘To Err is human’, but a human in desperation can take even bigger erroneous decision with his/her money. Bad debt decisions remains a primary reason of why people have low savings. These decisions are made in haste, under the influence of emotions and due to lack of knowledge. It is quite understandable that every individual…
Imagine a car your father bought when he was young, let’s say it was a Fiat Padmini. It was a good car which has power, was fuel efficient and was accommodating. But, can you imagine driving it now? No, right. You would probably buy a new sedan or a Hatchback with all new features and…
Dhanam Moolam Idam Jagath… –Money is the root of the world. Money helps in fulfillment of life. Hence money management is very important but is quite often neglected. People work so hard to earn the money, but fail to utilize their hard-earned Money The following are some of the key-Takeaways from this special day. 1)…
We often find ourselves under a dilemma when a decision has to be taken regarding allocation of surplus cash, whether we should clear off existing liability or invest it into other avenues which can either generate regular income or appreciate with growing markets. Normally such decisions are more emotional rather than logical as we see…