Investment Strategy Credit risk is still present. Post IL&FS and DHFL, the quality of AAA papers have come into question. The appetite for credit risk has disappeared. Most fixed-income investors are flocking to quality. Taking some credit risk can result in higher returns – this must be taken in a…
Hi everyone, this is Namratha Jain from the financial planning team of ithought. In today’s podcast, I’m going to talk about two life insurance products – Term Insurance & Whole Life insurance and also which one is better and why. Let me help you understand by explaining what these…
When people stop spending, it is a sign of fear. When people stop investing, that too is a sign of fear. The signs of fear seemed to be spreading fast and the government knew it well. Debating whether there is a basis for such fear may not ease the situation…
Expectations of a stimulus are running high. The wishlist is long. People are adding their own tail to the already extended list. A drop in GST for automobiles, cheaper loans, more aggressive scrappage policy (for automobiles), waiver of super-rich tax, relief for FPIs, the abolition of LTCG, and many more.…
Life Insurance (Life Cover) Do you have a life insurance policy? Is there a right time to insure your life? More importantly, when should you revisit how much you need? You need a life insurance policy as soon as you start working. Your contribution to the family kitty warrants a…
Transcript: Hi everyone, this is Prashanth here. In today’s podcast, I’m going to be talking to you about something very important that most of us do not pay enough attention to. Let me ask you a simple question. Do you know what the value of your life is? In simple…
Every bull market leaves its imprint behind. Stocks that rose sharply in a bull run tend to fall doubly quick afterwards. But, what about those stocks that hardly participated in the bull run? They make an even stronger impression. There will always be parts of the bull market which are…
What is Insurance? Insurance is a way of protecting your financial interests. Anything of value can be insured. So, your life, health, and assets can be insured. Assets could range from property, to vehicles, to art, etc. This is what happens when you enter into an insurance contract: Premiums are more affordable than paying…
The week closed on an expectant note. The market expects the government to do effective damage control. The expectations are centered around clear action points. FPI concerns need to be addressed credibly. The NBFC crisis needs a resolution of liquidity issues. The reserve bank must decisively lower interest rates. Banks…
The phenomenon of economic growth engines slowing down is not new. 2012 was the last time we saw something comparable. Growth really worried the government then. So, what makes this time different? Slowdowns at the beginning of a government’s term can truly shake up their finances. It can disrupt revenues,…
The market is showing a palpable despondency. The cause is being overtly attributed to the sentiment related to tax law changes and treatment of the FPIs and the super-rich. This premise is more of an excuse. Investing is a function of attractiveness of valuations and lure of growth. The fact…