What is an Angel Investor?
Angel Investor is an Individual, who invests at the start up stage to back an idea or back the Entrepreneur. They are typically High Net worth Individuals, Senior Executives, and Friends & Family. A new trend is emerging, where in Angel Investors are forming a Network to share related costs, meanwhile investing in their Individual...
What is a Systematic Investment Plan?
A Systematic Investment Plan or SIP is a planned mode for investing money in mutual funds. SIP allows you to invest a pre-determined amount at a regular interval (weekly, monthly, quarterly, etc.). SIP inculcates saving habit and building wealth for the future. SIPs have proved to be an ideal mode of investment for retail investors...
What determines exchange rate?
Value of Indian Rupee vis-a-vis other global currencies (i.e. Exchange Rate) is tracked by many and is a very important variable impacting various asset classes and the economy. There are a host of factors that influences the exchange rate – like inflation, current account deficit (CAD), fiscal deficit, etc. However, one common factor which is...
Things not to hide from Income Tax Department
It has been seen in past, that there is a tendency amongst some of the tax payers to show less income so as to pay less taxes. However, please be careful that there are certain transactions which Income Tax departments are well aware of in advance. Hence, it’s better that we self-disclose it rather than...
Term Insurance
Term life insurance is “pure” insurance. It offers protection only for a specific period of time. If the insured dies within the time period defined in the policy, the insurance company will pay the beneficiaries the face value of the policy. Financial planners contend that a term plan is the best form of insurance because...
Selecting the Right Financial Planner
Financial planners advise clients on how best to save, invest, and grow their money. A good financial advisor can make a substantial difference in improving the quality of life you have as you grow old. So it’s very important to settle for a good one. However, selecting the right financial advisor-planner is not an easy...
Risk Profiling Of Investors
Risk appetite means your readiness to take the risk. Risk profiling is an approach to understand the risk appetite of investors – an essential pre-requisite to advise investors on their investments. Factors that determine the risk taking ability Investments of every type carry some element of risk. However, the ability to take risks varies from...
Relationship between Interest Rate & Stock Market
Interest Rate in simple words means the cost of borrowing funds. We all know that interest rate & bond prices are inversely related. Even stock market performance is linked to interest rate. Let’s explore the relation between interest rate and stock market performance through different perspectives. Firstly we look at the Liquidity Perspective. With the...
Multi asset class Mutual funds
As per a study, 91% performance of a portfolio is linked to asset allocation. Selection of securities, timing and others account for the rest 9%. Right asset allocation is important as every asset goes through different cycles of boom and bust and has a different risk-return profile. Debt, for instance, gives returns in the form...
Teaching your Children Good Financial Habits
As per various researches done, most children’s financial habits are formed by the age of seven; hence, parents should not underestimate the effect their own good (and bad) money habits will have on their children. Teaching your children financial responsibility is one of the best inheritances you can provide them with. Let’s see how a...