Before we deep dive into the analysis, it suffices to say that PPF is one of the best fixed income investment choices under Section 80C. The tax treatment of PPF makes the returns more attractive relative to other fixed income investments under Section 80C (like NSC, PO time deposits, tax… Continue reading
As discussed earlier, we chose HDFC Tax Saver fund at random from ELSS funds which completed 15 years. However, the HDFC Tax Saver fund has been underperforming relative to its peers for the past few years. The ELSS investor could have got even better returns than in the above example,… Continue reading
The only 80C investment option that has the potential to give returns comparable to ELSS is the National Pension Scheme (NPS). In 2015-2016 budget the Government has provide additional tax savings for investment in NPS. Investors can get an additional tax benefit of र 50,000 over and above the 80C limit… Continue reading
Market downturns, especially the sharp ones, present good buying opportunity. Market downturns also help him identify the solid performers and replace the relatively weak performers with the solid ones. Unfortunately most retail investors are not like this investor. In fact they do just the opposite. They get exuberant in bull… Continue reading
There are three phases of a multi-year secular bull market. Early Stage: Early stage of a long term secular bull markets is characterized by high expectations and generally low economic growth. Equity returns are high because stocks bounce off the bottom. Usually large cap stocks do well in this period… Continue reading
Much of the discourse in the personal finance space is on investing. But the question is, how will you invest, if you are not able to save enough? Regular savings habit is part of our ancient culture. But in today’s day and age, with rising cost of living, dramatically better… Continue reading
Today’s senior citizens definitely have more savings and investments compared to their parents, when they were retired, but the cost of living has multiplied manifold. Many of today’s retirees, unlike their parents, do not want to be financially dependent on their children’s earnings. While lifespan has increased, sky rocketing healthcare… Continue reading
How can one say whether if he is financially free or not? It’s very easy and simple. While you wake up in to the morning from your bed, ask yourself, is it necessary to go for job or doing business to earn the money you need to survive and to… Continue reading
While Equity Mutual Funds invest in stocks and other equity related securities, Debt Mutual Funds offer a wide range of solutions that invest in interest bearing securities like Government & Corporate Bonds, Term Deposits and Money Market Instruments. Debt Funds are also referred to as Fixed Income Funds, are generally… Continue reading
Equity funds invest in stocks / shares of various companies listed on the stock markets. The performance of these companies over the years and various other market related factors, determine the kind returns that you may earn. These funds generally high risk – high return, and are used to work… Continue reading