Reading Time: 6 minutes Home loan rates are low. In fact, very low when compared with the historical trends. Many home loans are quoting at sub-7% now! I can’t remember when last time the rates were so low in recent past. But that’s not all. Property prices have cooled off a bit too, at least in some cities and […]
Can Gold ETFs, Funds & SGBs be part of long term portfolio?
Reading Time: 8 minutes Since the start of the year, Gold has lived up to its expectation of being a safe haven. The financial and non-financial world thrown in turmoil due to the pandemic plus its geopolitical aftermath and the volatility of stock markets has led to gold delivering superior returns in this year. So, it won’t be wrong […]
Should I shift from Large Cap funds to Index funds?
Reading Time: 10 minutes Indian large-cap mutual fund space has two prominent options. Active large-cap funds and Index Funds. And this is a discussion about Index Funds Vs. Large Cap Funds in India 2020 to decide whether should you shift from Large-cap funds to Index Funds? Many mutual fund investors have been experiencing something odd about the large-cap funds […]
How much is PM Narendra Modi Net Worth?
Reading Time: 3 minutes Source link | Twitter Profile Did the title – Narendra Modi Net Worth – make your eyes take notice? After all, it’s our PM we are talking about. Assuming you want to know how much worth our honorable prime minister Narendra Modi is, please read ahead to know PM Narendra Modi’s assets in 2020. Given […]
Top 5 = 44%, Top 10 = 62%: Concentration Risk in Nifty 50?
Reading Time: 5 minutes Nifty 50, as you know is made up of 50 stocks of different weightages. And generally, it is accepted to be a well-diversified index that represents the Indian markets sufficiently well. But in recent times, the skewed weights of few of the top stocks in the index are posing questions about whether it is actually […]
What are Large Cap Funds in India & Where do they Invest?
Reading Time: 4 minutes According to SEBI’s mutual fund recategorization rules (2018), the equity mutual fund schemes that are classified as Large-cap funds have to invest a minimum of 80% of their assets in the large-cap stocks (i.e. in the top 100 listed stocks). By definition, the large-cap stocks are the stocks of the topmost companies listed on the […]
Should I invest in Sector Mutual Funds?
Reading Time: 5 minutes Whenever a sector or theme starts doing well in stock markets, investors get excited about it. They see an opportunity to generate better-than-average returns by investing in a sector fund that is poised to grow faster than the rest of the market. And to use this excitement to their benefit and to gather more AUM, […]
Should you take a Personal loan for House Downpayment?
Reading Time: 6 minutes Ideally, one should plan a house purchase well in advance so that they get sufficient time for arranging (or better still, saving for) the downpayment amount. It’s a general practice that when you take a home loan, you get a loan for only 80% of the purchase price. Your home loan wouldn’t fund the complete […]
New Mutual fund ‘Risk-o-Meter’ (2020) by SEBI
Reading Time: 6 minutes SEBI has revamped the mutual fund Risk-O-Meter (or Riskometer) via a new circular in October 2020 (link or download here). This time, the regulator has provided detailed guidelines for deciding the place of each mutual fund scheme on the Riskometer. What is Risk-o-meter for mutual funds? The Risk-O-Meter is a pictorial chart that depicts the […]
Dividend Option of Mutual Funds Renamed to ‘Income Distribution cum Capital Withdrawal’ option
Reading Time: 2 minutes SEBI has directed all mutual funds and AMCs to rename the dividend payout option in mutual funds schemes to Payout of Income Distribution cum Capital Withdrawal option. The circular announcing the change – link or download here. That is: Dividend (old name) – renamed to -> Income Distribution cum Capital Withdrawal (new name) But since […]
How Indexation in Debt Funds reduces Tax Outgo? (With Examples)
Reading Time: 8 minutes When fixed deposit rates are so low that there is nothing to write about, then it’s natural for people to try to look for alternatives to bank FDs. And one very obvious alternative is the debt fund. Debt funds have historically delivered returns better than fixed deposit. But if there is one major advantage that […]
Is your 9to5 in reality 24×7? And you hate it?
Reading Time: 2 minutes You know this. Your 9-to-5 job is not exactly that. If you also account for the mental stress and mind-f***s you get, it is much closer to 24×7. Zoom out a bit and its 24×365. Zoom out a bit more (and assuming you begin working at 25 and do so till 60), it becomes a […]
Multi-Cap Fund Allocation Rule Change (2020) + Impact on your MF Portfolio
Reading Time: 6 minutes SEBI has modified the rules for Multicap equity mutual funds. So now a detailed allocation structure has been introduced for multi-cap funds. This has been done via a circular on ‘Asset Allocation of Multi-cap funds’ (dated 11-Sep 2020: link or download here). Going forward, all the schemes within this category will have to adhere to the […]
Is it Ok to take Personal Loan to clear Credit Card Dues?
Reading Time: 6 minutes A younger cousin recently called me to ask whether he should take a personal loan to clear his credit card dues. He told me the amount and I was a bit taken aback as he is quite young to be spending that amount. I probed a bit and he confessed that out of boredom, he […]
4 Reasons You should Get Personal Loans Only For Emergencies
Reading Time: 8 minutes Most people will need to take out a loan at some point in their life. These days, you don’t even need to reach out to a lender for loans. The chances are that you’re already being bombarded with pre-approved loan offers from all directions. Quite often, these pre-approved loans are packaged in attractive concepts of […]
You only need to see the next 200 feet…
Reading Time: 3 minutes I recently came across the following: Think of a car driving through the night. The headlights only go a 100 – 200 feet forward, and you can make it all the way from California to New York driving through the dark, because all you have to see is the next two hundred feet. And that’s […]
(Quoted: Cosmopolitan – June 2020) Panicking about Markets?
Reading Time: < 1 minute I recently (June 2020) got quoted in Cosmopolitan magazine about the then market situation. (Please click on the image to get a zoomed version in new tab/window. Or you can download the pdf version of the article here – Cosmopolitan India 2020 (Dev Ashish Stable Investor) Related Source link
Nifty P/E Ratio: Few Important Facts
Reading Time: 5 minutes Many people track Nifty PE Ratio regularly to gauge the market sentiments. And more importantly, also compare it with historical trends to assess whether the markets are overvalued or undervalued. This is also one of the several factors that I keep a track off as an investment advisor for the last several years. And if […]
How Women can get on Driver’s seat of their finances?
Reading Time: 5 minutes Women are not just stronger, but also the superior half of our human species. And this has been established time and again. There is no doubt about this. From my interactions with many of my women clients, I know that they are extremely meticulous and know how to manage things much better than men. And […]
Why Indian market’s PE Ratio scaling New Highs?
Reading Time: 4 minutes Indian markets’ valuations have been scaling new highs. And that is with the indices still being some distance away from their all-time highs. I was getting several queries regarding this and hence, decided to write a note on it. You can skip reading if you know why this is happening. It’s actually pretty simple, to […]
Don’t Confuse Good PE Ratio Of Index VS Good PE Ratio For Stocks
Reading Time: 6 minutes Most of you understand what a P/E ratio (Price-to-Earnings) is. In the investment world, P/E Ratio is one of the most widely used tools; and often, the use turns into abuse by many. If you have some doubts about what PE ratio is, you can look up more about it on Google or Wikipedia. Otherwise, […]
Take Risks. But have Proper Expectations. Plus, know your Limits.
Reading Time: 4 minutes I was recently talking to a middle-aged client. He has been with me for a few years and I have done his full financial planning. And credit to him that he continues to implement the plan in spirit and has faith in my abilities. 🙂 But like most people these days, even he is working […]
Launched: Asset Allocator + Model Mutual Funds (Premium)
Reading Time: 5 minutes The wait is finally over. Stable Asset Allocator + Stable Model Mutual Funds are available for purchase now. Both these products, namely i) Stable Asset Allocator, ii) Stable Model Mutual Funds are 2 (Two) separate premium subscription products. Though you can purchase both of them. What You Get? What is Subscription Cost? Surprisingly low… If […]
Passive DYI or Robo-Advisors for the long term?
Reading Time: 8 minutes When it comes to investing in equities, its always best to have a long time horizon (as short term is best suited for traders and not investors). And since there are tons of research on how expenses play a major role in your long term returns, it goes without saying that the debate of active […]