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Do You Know Asset Allocation is the Key to a Successful Financial Planning?
We all know putting all eggs in one basket could be dangerous if the basket goes bust. Similarly, keeping all your savings and investments in one class of assets could be either risky or would not give a reasonable mix of return. There are several classes of assets available for an individual to park their savings. Some are… Continue reading
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The Safest Investment Schemes You Need to Know
PMC Bank scam and many such scams that sprung up every now and then have shaken the trust of the depositors in the financial system of the country. But the scenario is not that bad. There are various safe investment options available to investors. One of the safest and trustworthy institutions of the country Post… Continue reading
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The Easiest Way to Pick-up Stocks for Long-Term Gain
Investing in the stock market is a painful experience for most of the investors. The market like a pendulum can change the fortune either side. We invest by tips, news reports, friends’ recommendations, expert recommendations, our own analysis, on gut feeling. We invest in turnaround stocks, best performing stock, dark horse and on technical charts.… Continue reading
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Your Financial Literacy Without This Is All Useless
One of the important roles of financial literacy is to know when the money is enough and when to stop pursuing money. Those who think devoting life to earn money till the body works are not only financially illiterate but also life illiterate. The purpose of life is not to earn money, exploit the body in… Continue reading
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How to Become Rich With Less Income
Becoming rich is a dream. Is it your dream too? Becoming rich and building wealth is possible even if you earn less. Earning more is not necessary to become Rich. Saving regularly is the key. Rs. 1,000/- invested monthly for 21 years at a 12% rate of return, becomes Rs. 11.40 lakh Rs. 5,000/- invested… Continue reading
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Investor Grievance Redressal – What You Need to Know
PMC Bank depositors are struggling to solve their problems. Godwin Jewellers investors are worried. There are several such companies and banks which fail from time to time. Gullible investors/depositors lose their hard-earned money. In the 90s it was IPO scams, and plantation companies robbed investors. Every now and then the comes promoters who shake the system… Continue reading
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A Short Post on Personal Finance for Quick Understanding
Once I was with my client at a coffee shop in a 5-star hotel. I was asked about my coffee choice. Out of the multiple options, I was not sure what to order so I left it to the client. I thought when we had only two options of coffee i.e. filter coffee, and Nescafé,… Continue reading
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Family Business Survival – Why Is it Mandatory to Invest in Start-Ups?
“If you are renewed by grace, and were to meet your old self, I am sure you would be very anxious to get out of his company.” Charles H. Spurgeon We remember renewing our health insurance policy, vehicle license, PUC certificate, passport, business license if any but we have never thought of renewing the self and… Continue reading
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When Secured Investment Becomes Unsecured & Risky
“Financial education is more valuable than money.” Mac Duke The Strategist Your secured investment can become unsecured. Yes, do not be under the impression that investment which marketed to you as secured will always remain secure. The case in study is secured non-convertible debentures (NCD) issued by NBFC DHFL. But it applies to all the secured NCDs. The debentures are secured… Continue reading
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How Can Excess Cash Kill Your Business?
Cash is King but it also kills. One of the companies hit the market with an IPO. Their Merchant banker advised them to raise more money than required. The issue was subscribed. Excess money they invested in unrelated business. That business could not succeed. The return on share capital could not match the market expectations. The… Continue reading
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