Achieving our long-term financial goals requires investing, with the right balance of risks and returns. At the heart of good investing is diversification, as it helps us to spread our risks and stabilize the returns from our overall portfolio of investments. The first level of diversification is to include a…

“Start Early Invest Regularly” is a mantra we have understood well, and that happens to be one of the surest ways for us to build our wealth and realize our financial goals. Let us add “Invest Wisely” to this mantra now. How can we invest wisely? This question has a…

When we start on our wealth-building journey, we begin with saving small amounts, and with those savings, we do not want to undertake risky investments. For investors looking to build their wealth over time through small savings put in safe investments with guaranteed returns, the Small Saving Schemes (SSSs) are…

Mutual Funds (MFs) are collective investment schemes through which investors invest in the stock and bond markets. All collective investments are vehicles that allow investors to invest indirectly in the markets. Eventually, however, the pooled funds get invested in the markets, and the performance of MFs is largely dependent on…

Mutual funds are a popular and prudent investment option for retail investors. Even investors with varied investment goals and risk appetites can find appropriate investment solutions in the wide array of MF schemes that are on offer by the fund houses. The MF industry in India has witnessed phenomenal growth…

It is common for home buyers to borrow to finance the purchases of their house property. The home loan route fits the condition that borrowing is right if it is used to fund appreciating assets. With the growing cost of land and construction, the value of houses can be expected…

A simple decision rule to follow before we borrow is based on our answer to the question: Is it an appreciating asset that will be financed through the borrowing? If the answer is in the affirmative, then the borrowing can be justified. We must not borrow to spend carelessly or…

Investing is important, and we know it. But is it okay to borrow money when we need to purchase something or do something, and do not have the money? Are there some dos and don’ts around borrowing? Let us talk about borrowing (rather than investing) in this article. We borrow…

A Mutual Fund (MF) is a collective investment scheme that pools investments from many savers and invests the pooled sum in a variety of financial instruments, depending on the indicated investment objectives. Offered by an Asset Management Company (AMC), also called the Fund House, each MF has a scheme or…