How to Spend Your Month-end Happily

How to Spend Your Month-end Happily

The biggest trick to help you spend less than you earn is to know exactly what you are earning and exactly where are you spending Have you ever reached the end of the month with almost nothing in your pocket and bank account? If so, you’re not alone. In fact, many Indians, often with large families, are living pay cheque-to-pay cheque. It can be one of the hardest cycles to break. Below are some tips on how to spend your month end happily and without worries. Know Your Exact Budget…

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Top 10 stocks whose profit more than doubled & gave up to 300% return in 1 year

Top 10 stocks whose profit more than doubled & gave up to 300% return in 1 year

Almost 43 companies saw their profit doubling for the quarter ended March 31 compared to corresponding quarter of last fiscal.   If you report results which surpass analyst expectations of on continuous basis rest assured that D-Street will reward you. The March quarter results for India Inc. did not disappoint D-Street much, in fact in some cases it was better than expectations. India Inc. reported steady progress in revenue and net profit growth for the quarter ended March 31. A sample of top ten companies whose net profit more than…

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Nearly 100 stocks which pared debt in last one year gave multibagger returns of up to 600%

Nearly 100 stocks which pared debt in last one year gave multibagger returns of up to 600%

Investors should give equal importance to sector outlook, business efficiency and ability to turn around the business.   Debt is an important aspect of a balance sheet especially for capital intensive companies but too much of debt without adequate cash flow will start to hurt margins. A lot of companies with excessive debt on the books are struggling to keep up with repayments. A scenario which was brought to light by the Reserve Bank of India (RBI) last week when the central bank released a list of top 50 stressed…

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Money mistakes can make even ‘Baahubali’ a villain!

Money mistakes can make even ‘Baahubali’ a villain!

SS Rajamouli’s fantasy fiction ‘Baahubali 2 – The conclusion’ has had a scorching box-office run, minting over Rs 1,500 crore. Indians across the world are going ga-ga over the larger-than-life protagonist whose ripped physique can only be matched by his massive strength and boundless courage. Yet, father ‘Amarendra Baahubali’ epitomises the biggest money mistakes that a daddy and also a husband can make during their life-time. Here are the three financial blunders that make this strong man a reckless villain. I don’t need no life cover: His name may have…

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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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Waiting for your first salary of FY18? Let it set the tone for your financial goals

Waiting for your first salary of FY18? Let it set the tone for your financial goals

Using the money to spend and invest wisely could set the tone for an improved financial portfolio for the future   Your first salaries for the fiscal 2017-18 will be paid out within the next few days. Spending and investing the money wisely could set the tone for an improved financial portfolio for rest of the year, and also for the long-term. “Starting early and being consistent with investments is the best way to build assets and wealth,” says Anil Rego, CEO & Founder of Right Horizons Financial Services. Rego provides some…

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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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Plan to surrender your ULIP? Don’t!

Plan to surrender your ULIP? Don’t!

A rightly chosen ULIP can be a competitive investment, but the investor needs to ensure that his relationship manager has put him ahead of the commissions that the product pays, says Anil Rego, CEO, Right Horizons. Ganesh Shankar, 68, was coaxed into buying a unit-linked insurance plan (ULIP) by his relationship manager. The 10-year plan has an annual premium of Rs 1 lakh. When Shankar received the policy statement in the third year, he realised that the value of the Rs 2 lakh premium he had already paid was down…

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Frauds – The biggest reason for a personal financial crisis

Frauds – The biggest reason for a personal financial crisis

In the age of information over load, it is surprising to see the number of financial scams and frauds. Most of the time they occur due to ignorance, negligence or incomplete information.   Time and again we come across a lot of people who are suffering a financial set –back due to bad choice of investments, scams and frauds or mis-selling. The type and scale of these financial crisis may be different but this is the result of ignoring a few common but utterly critical financial disciplines. Haste makes waste: Shailesh…

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If you have Rs 1 million to spare, here are 5 portfolio options to generate wealth

If you have Rs 1 million to spare, here are 5 portfolio options to generate wealth

If you want your money to work for you – first thing is to get it out of your bank account and invest in various asset classes. I can’t invest because the market is trading at high valuation? There is too much risk in the market right now? I don’t know how much and where to invest? Do these questions look familiar to you? If yes, then we might be able to help you out. If you want your money to work for you – first thing is to get…

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