What is a Chit Fund?

Chit funds have been a popular savings scheme in several parts of India for generations together now. It has paved it’s way as a convenient finance option amongst businessmen, small scale industrialists, and other small time investors. Though very often shrouded by news of fraudulence, they have still managed to retain their popularity. So what … Continue reading What is a Chit Fund?

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New Fund Offer versus Existing Mutual Funds

It’s the time of the year when it is raining NFOs and mutual fund companies are all set to aggressively market them. Very often, for an average investor the decision of investing in a NFO versus choosing from among the existing mutual funds could be quite a predicament. Which one actually serves as a better … Continue reading New Fund Offer versus Existing Mutual Funds

Value Averaging Investment Plan- An Option for Higher Equity Returns

It is a common practice for equity investors to invest more when markets fall and restrict investment when markets rise. But many disciplined investors find it difficult to time the market and therefore invest in options such as Systematic Investment Plan (SIP) to reduce market risks. An SIP, however, invests the same amount irrespective of … Continue reading Value Averaging Investment Plan- An Option for Higher Equity Returns

Part 2- Guide to Buying Your First Home

In this concluding part, of the home buying series, I clarify all that you need to know about home loans from application till final disbursement. While choosing your lender, keeping in mind the basics such as interest rates and effective cost of the loan is essential. Let us now have a look at the steps involved … Continue reading Part 2- Guide to Buying Your First Home

Agreements and Costs Involved when Buying a Home

Buying a home could be one of the biggest investments in a person’s lifetime. Whether it is an under construction home from a builder or an already constructed second hand home, it pays to exercise caution in every aspect.  Let me clarify here, the two most important aspects- the documentation and the various costs you … Continue reading Agreements and Costs Involved when Buying a Home

Including Debt in Your Portfolio

The Global markets and consequentially Indian markets have seen great volatility in the recent past, resulting in a fall in many investors’ portfolio value. Investors with a major portion of their investments in equity, face concerns of short term liquidity at such times. So how do you beat such volatility and protect portfolio value?   … Continue reading Including Debt in Your Portfolio