financial planning

Balance fund – solid option for steady returns

“Rule No.1: Never lose money. Rule No.2: Never forget rule No.1.” – Warren Buffett In investing it is important not to lose money. We can avoid losing money in market by completely remaining out of the market. But if that were the intention, you wouldn’t have been reading it. You have to be “in it” to “win …

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accounting analytics balance black and white

How expensive is the Indian equity market?

“Only liars manage always to be out of the market during bad times and in during good times.” -Burton Malkiel This simply means that timing the market is almost impossible to do on consistent basis. So, here we are not talking about timing the market but on asset allocation. Any one who was panicking last …

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NIFTY PE Chart

Do’s and don’ts of mutual fund investing

Mutual funds are great way to create wealth. However, there is a big difference in what return mutual funds generate and what return investors get. This is an attempt to bridge the gap between mutual fund returns and your return by avoiding some common mistakes. Some mistakes commonly made are: Trying to time the market …

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Planning for kid’s education- go mutual fund way!

The roots of education are bitter but the fruit is sweet – Aristotle The biggest satisfaction for parents is to see their kid’s well educated and well settled. That’s mission accomplished and a big relief for parents in their retirement years. Many times I meet parents of successful people and I feel a sense of …

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Plan for kid’s education- How much will it cost?

An investment in knowledge pays the best interest – Benjamin Franklin  I studied in a government school where semi-annual fee was 57 rupees. Later on, I qualified to study at one of the IITs, considered the best engineering college in India. During those days (around 20 years ago) the total fee for the 4 year …

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Equity-arbitrage fund – A tax-efficient option

A few weeks ago, we wrote about how debt oriented mutual funds are more tax-efficient than bank fixed deposits. The other day a friend told that fixed deposit rates are falling every day. Indeed, with bank fixed-deposit rate hovering around 6.5%, post-tax return of fixed deposit or interest on saving account balances is quite low, …

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