Are legal heir and nominee the same?

This is a million-dollar question, that comes every time the government or regulating authorities pushes to update the nominee for the various kinds of instruments. It is mandatory for all existing individual mutual fund unit holders to nominate or opt out of nomination before September 30, 2023. I wonder how many of us are aware of

Does SIP date really matters?

Today I am going to answer the most asked question during the consultation session 🙂 Question: Which date to select for Monthly SIP? Source: WhiteOak Capital What matters the most is a discipline in investing and being in the market over the long term. The compounding effect in SIP mode is captured well in this

Various options in Fixed Income

In today’s time of falling interest rates and new tax rules have triggered a post to look at the Fixed Income landscape, In this post, I tried to demonstrate concepts in various ways. Risk Return Hirearchy of debt funds 2. Credit Risk Category – to get slightly higher returns obviously with more risk 3. Various

Build Emergency Fund – For Rainy Day

The Covid-19 pandemic has made people realize the importance of building an emergency fund to deal with possible medical emergencies, salary cuts or job losses. Since the fund can be needed any time, it is usually invested in fixed rate instruments so that the returns can be known with certainty. However, sharp interest rate cuts

Opportunistic SIP in Bull and Bear Market

We all know that one cannot consistently time the market. But could “Buy on every dip” can be a strategy? SIP (Systematic Investment Plan): The 3 most glorious letters in the market. Investors who understand SIP are never scared of any kind of market because they know they will make money over long term. Now

2021 Mutual Funds Portfolio

Many comes to me with the question “Which is the best mutual fund I can invest to get a good return?” and then when I ask what it means by good return? everyone gives different answers. Now, this brings me how can I generalize and present it for everyone, but I don’t get one answer

Lessons from 2020 and outlook for 2021

Google has published the See what was trending in 2020 and Corona Virus was on the top, I am sure for many of you this year would have been exceptional for your financials as well. Lessons from 2020: I don’t need to describe how year 2020 went and I hope the event like Corona happened

New mutual funds rules from Jan 2021

Securities Exchange Board of India (Sebi), has recently announced a slew of measures for mutual funds industry, here are some of the changes in mutual funds that will be applicable from January 2021. New Riskometer tool SEBI has revamped the mutual fund Risk-O-Meter (or Riskometer) via a new circular in October 2020. The Risk-O-Meter is a pictorial

ETF vs Index Funds vs Mutual Funds

I think most of my audience are aware about Mutual Funds, recently people got lot’s of awareness about them via Mutual Fund Sahi hai campaign. You can find lot’s of short videos about various topics like What is Mutual Fund, How to invest in MF’s, Types of Mutual Funds, Various Risks involve etc. Many a