Beginner

A diversified investment portfolio holds the key to long term financial prosperity. The investors must plan to allocate their investments across different asset classes such as equity, debt, gold, etc. Since the investors don't rely on a single asset class for their portfolio performance, the returns may be expected to be stable across market cycles. While equity renders the potential of higher returns over the long term, the debt investments may impart with stability to the portfolio. 

Financial advisors will generally advise you, “do not keep all your eggs in one basket.” Such an investment action is denoted as diversification in the parlance of personal finance. Diversification refers to making an investment portfolio across different investment segments and asset classes to reduce the overall investment risk. 

Mutual funds have been instrumental in channelising the household savings into financial markets, as the investors need not have expert knowledge about the financial markets to invest in mutual funds. Investors may rely upon professional fund management for their investments in mutual funds. Further, with the availability of a wide range of mutual fund schemes, investments in mutual fund schemes can be made as per personal risk appetite and financial goals. 

The year 2020 has just started, and probably you have made your new year resolutions. But have you decided on financial resolutions for the new year to improve your financial habit and create wealth? Your financial resolutions should be more prudent and long term in nature.  

Retirement is often seen as the second innings of life. That is the time when you enjoy the luxury of time, while you do not have any official meetings to attend or timelines to meet. While it may be an extended vacation, you may be in for many surprises, if you have not planned for it. Retirement planning must be done prudently and systematically so that you don't have any financial constraints while planning to fulfil your pending dreams and aspirations after retirement.

We are already in the last quarter of the financial year, and most of the employers will be pushing for the proofs of your tax-saving investments. With the increasing awareness of mutual funds as an investment option, Equity Linked Savings Scheme (ELSS) funds are also emerging as the preferred option for tax savings.

A wise man once said, “the best time to plant a tree was 20 years ago; the second-best time is Now.” This quote not only gains its relevance in the World which is getting warmer every year but is equally relevant in the financial world. 

Investment in Equities is the vehicle to participate in the long-term India growth story. Investment in Index fund is the simplest way to invest in Equities and can be core part of Equity allocation due to simplicity of investment and low cost. 

When one chooses to invest in equity markets, BSE Sensex and Nifty 50 are the two most familiar words for the investors. These are the name of two major stock indices in the country – BSE Sensex and Nifty 50. Since such indices are constructed using scientific methodologies and back-tested techniques, retail investors may prefer to have investment exposure in such indices. However, one cannot invest in such indices directly as they are not a security within themselves, but just an index of different securities.