As a doctor, Smriti was constantly juggling emergency cases, webinars, and patients’ concerns. But that didn’t prevent her from planning her life with surgical precision. Smriti prided herself in being organised and on top of things. Her house was always in order, she never spent time looking for things, and…
Social talk on equity returns is back in group behaviour. People you meet physically or in social media are all talking of only one thing now: equity returns. I was curious to test their knowledge on how good the Nifty show has been over the last 365 days. Most people…
Financial Decisions You are sitting at the bank manager’s desk poring over different home loan options, wondering which one is the best. Your phone dings with a notification – buy ABC stock potential upside 15% with stop loss! Simultaneously, an email crops up from your auditor who suggests that it’s…
A very eventful investing year will soon be behind us. 2020 has taught us many things. Once again, the benefits of being a contrarian equity investor were emphasized big-time. More importantly, the need to be more diligent in debt investments is critical. While defensive investing in FMCG, pharma, etc. has…
At the beginning of 2020, popular perception leaned towards defensive FMCG and away from pharma, tech, and commodities. As the year slowly draws towards a close, things have turned out quite differently. While liquidity has helped FMCG do reasonably well, the other three “out of favour” sectors clearly outperformed to…
The rally in the Nifty was initially concentrated in defensives. Subsequently, the rally spread to cyclicals, with private banks leading a sharp surge. We also saw frontline midcaps rally towards the last week of the month. Metals also saw a comeback. The significant FII inflows are the principal reason for…
Here’s what we’re exploring this month: How to beat low FD returns? Conservative investors have a common enemy: low returns. And this isn’t a near-term phenomenon. They’ve been grappling with this problem since demonetisation when FD rates plunged. We’re sharing three options to beat low Fixed Deposit returns. Always consult…
Gone are the days where men were sole breadwinners and financial decision-makers. Today, gender-based financial are roles are breaking and couples are choosing a more collaborative approach towards designing their financial futures. For couples to succeed in life and money, we’ve identified three things they need to: Communicating Openly Money…
Within a few weeks, Indian markets have seen nearly five billion dollars of equity flows. FIIs have been flooding our markets with liquidity. This money is going into select large cap index names. The velocity of investment is abnormally high in growth-delivering businesses. This explains why only a select club…
Rising markets tend to give out euphoric highs. Everybody wants to be in so that they don’t miss any of the fun and froth in every trade. Trends guide investment behaviour. Going against the trend looks increasingly difficult. Slowly, even the naysayers give up and join the party. The euphoria…
The much anticipated American polls are now behind us. We still don’t have a clear winner. But, given the fractured nature of the mandate and divided polity left behind by this election, America has more to mend now than before the polls. Given the new realities, we need to reassess…
Fixed Income Investment Strategy Medium-term bond yields are elevated compared to their short-term counterparts. If interest rates remain lower for longer, selective medium-term strategies could work well. However, these strategies could become volatile when the interest rate cycle turns. Investors will reap the benefits only if they stay invested through…
