PERSONALISED INVESTMENT MANAGERS
05 October, 2021
The latest unicorn to hit the IPO circuit is Zomato and much has been written about how the company is not garnering profits and has accumulated losses. Is there merit in relooking at the strategy that Zomato must be following? Are we losing out on a good opportunity or is it just the euphoria in the market?
16 September, 2021
Sometime in August, the finance minister allowed time up to September 15, 2021 for removing all the glitches and errors from the new income tax website. As the due date approaches, there will be a significant increase in the website traffic with more and more users logging to file their returns. How will the website cope with heavy number of users and what exactly are we hoping to get from the new website?
18 August, 2021
When the US fiscal deficit was high AND when the US debt to GDP was high AND when the US printed money abundantly, gold performs better. This was the situation in between 1970-80, 2000-2011. Today we are seeing a gold run again. The current situation is familiar- US debt to GDP is high and the US Fed is printing money every day and gold should do better as per historical patterns. But based on the past 10-year historical returns, investors are still skeptical about adding gold. The article looks at how safe is it invest in gold and in what proportion?
17 August, 2021
The primary aim of investing is to grow our money and make it work harder for us. That means firstly focusing on avoiding negative returns, keeping funds safe and only then planning for gain and alpha returns. Diversification is what helps to grow money with a lower risk of losing. A portfolio that is well-constructed not only ensures participation during market rallies, but also helps in downside protection. A key step to building such a portfolio is to diversify across asset classes. It doesn’t just mean holding on to too many schemes. The article looks at how we can go about diversifying our investments meaningfully.
15 July, 2021
So many people of us think we are immortal. something bad is always going to happen to someone else, never us. It is a scary time at present and a lot of people are going through a phase of “Will I survive this epidemic?”. Lot more have approached us asking us to make Wills for them. This article lists out the various parts of how to make a Will.
17 June, 2021
Equity should only be a part of our investment in a holistic financial plan. During a shock, look at the plan and investments holistically. The entire focus cannot be on the negative return on equity only. It is in fact the right period to start evaluating buys when everyone is selling. Value investing is highly underrated. But with a financial plan and advisor showing you the way, you can remain calm and reap diligent rewards.
10 June, 2021
With the magnitude of its impact globally, Covid 19 brought in a lock-down and change in ways of life as we knew it. Something that we had never experienced before. Uncertainty fuels fear and panic nudging the market to correct in anticipation of future losses. Look at the consequences and actions that we should emulate to minimize the overall impact on our financial health and therefore goals.
07 June, 2021
Some investors clearly understand the markets so well and ride all the waves and storms and come out winners. Perhaps the only way to understand this is ‘experience’. But what are the steps to gaining this experience. It is tough for a new investor in equities to understand shocking corrections. The article looks at how the cycle of knowledge and experience play out over time for investors.
24 May, 2021
Returns on debt related investments and FDs are comparatively low and are steady – around 4% to 6% per annum today. But these returns are usually lower than the inflation rate. It is but natural therefore that we want higher returns than FDs and so we invest in other investments such as equities, gold, real estate, etc. The article looks at catches and risks which we must understand clearly and also accept if we want these higher returns.
24 August, 2020
07 August, 2020