Property Investment? How soon is too soon?

Property Investment? How soon is too soon?

Are the young buyers in India thinking about investing in a property too soon? Young couples face a nasty and unjustified pressure in balancing financial and psychological needs especially when it comes to buying a home or investing in a property. Mainly due to the many positives associated with it. For example: security, wealth creation, social status and discipline.   The safety and comfort of owning a home paramounts every other aspect of life.  Career, love for a hobby, entrepreneurship, travelling or the owning of wealth as assets in the…

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3-step guide to help you make investment decision when Sensex flirts with record highs

3-step guide to help you make investment decision when Sensex flirts with record highs

If you are investing in stocks directly, allocate 5-10 percent of your money in blue-chip shares that preferably pay a perky dividend. Retail investors eager to invest in equities are facing an age-old dilemma. With stock markets at record high i.e. Sensex at over 31,000 and Nifty near 9,700, many feel they may be timing the market wrong because a fall may be just around the corner. However, history has shown otherwise. Nobody knows when markets will fall next, and staying invested gives you a far better chance of becoming…

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Consider these 5 factors while making lump-sum investments in mutual funds

Consider these 5 factors while making lump-sum investments in mutual funds

The most important principle in lump-sum investing, especially in equity funds, is to maintain your calm and equanimity. Most of us are aware of the merits of systematic investment plans (SIPs). As compared to lump-sum investing, SIP is simpler and more elegant over a longer period of time. But there are occasions when lump-sum investing becomes essential. For example, you may have received a large bonus from your company or you may have sold off a piece of land or property. These are situations that may necessitate lump-sum investing. The…

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9 solid tips to help you make more money in stocks & lose less

9 solid tips to help you make more money in stocks & lose less

Every investor hopes to be successful on Dalal Street, but very few succeed in making it big. Equity is the simplest way for an investor to participate in a business as a part owner. Equity investment can also enable direct participation in the growth of nation’s or global economy, and thus wealth creation. While it has been proven over centuries that the equity route is the best way to create wealth, the same asset class has also seen immense wealth destruction at times. Compounding miracles Einstein once famously said: the…

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Check your risk profile before you start investing

Check your risk profile before you start investing

Do you know that you cannot blindly invest without knowing how much risk you can take? So, you are gung-ho about embarking on an investment strategy. You have decided that you will save money henceforth and invest it smartly to make it grow. You have consulted with your friends and family, have a fair idea on what all options that you plan to take. Great show! While you are all set and raring to go, may we say slow down please? Do you know what your risk profile is? Do…

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4 investing ideas for single mothers

4 investing ideas for single mothers

Single parents, especially mothers, have a tough time managing the society, expectations, and finances. They have the unenviable task of having to double up on all fronts and yet carry on with a smile. To top it, it’s twice the share of duties with half the income, says Anil Rego! Given these challenges, what should single mothers do to ensure that they invest enough to secure their future? Read on! 1. Dual role: Tax planning as investments Just the way a single mother plays a dual role in the upbringing…

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Losses in investment are inevitable, but manageable

Losses in investment are inevitable, but manageable

Let’s face it, we all go through times when our financial decisions have gone wrong. A stock that plummets, a deposit friendly and high-interest finance company going bust, or a bond which is on to dangerous levels of default. Great, if we can press in the Ctrl + Z, to undo, but have we asked ourselves the big and important question about the flip side before we decided to invest? Anger and frustration are quite common during the time of adverse financial conditions, but our reactions decide our future approach…

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Wondering where to invest? MFs have these 20 large & midcap stocks in their kitty

Wondering where to invest? MFs have these 20 large & midcap stocks in their kitty

Investing becomes tricky, especially in a bull market when every stock seems to be on the ‘cloud 9’. Well, one way is to do your research and buy stocks on declines and the other way could be to look at the portfolio where foreign institutional investors (FIIs) or mutual funds are betting. We don’t advise investors to blindly replicate FII or MF portfolio, but it could certainly provide you clues as to where the smart money is moving and after doing your own research investors should place their bets accordingly….

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How to benefit from investments in tax saving mutual funds

How to benefit from investments in tax saving mutual funds

Apart from creating wealth over the long term, there is also an important tax benefit that you get when you invest in an ELSS. Equity-linked savings schemes (ELSS) are simple diversified equity mutual fund schemes. The only difference is that, since they offer a tax break for the investor, they entail a lock-in period of three years. Typically, ELSS funds have tended to outperform the index over the longer term horizon for a few basic reasons. The lock-in period enforces buy-and-hold discipline in the investor. When it comes to equity and…

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Nifty, midcap index hit fresh record highs; top 5 bottom-up stocks to buy

Nifty, midcap index hit fresh record highs; top 5 bottom-up stocks to buy

Bottom-up investing is an investment approach in which an investor should focus her attention from the industry to specific stocks.   The Nifty hit a fresh record high in the morning trade on Tuesday, supported by positive global cues. The action was equally strong in the midcap space. The Nifty free float midcap index rose to a fresh high of 18,021.10, while the S&P BSE midcap index rose to a fresh record high to 14,723.94 in morning trade. The small and mid cap stocks stood out in terms of returns…

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