Electronic Gold Receipts (EGR) – have you heard of them? Gold in electronic form with trading, clearing and settlement features similar to any security is called EGR. Recently BSE launched EGR. EGRs (Electronic Gold Receipts) will be traded in BSE. EGR is intended for all the market participants like retail investors as well as commercial participants…
As an extremely risk averse person you still want to invest in equity markets but not want to put your principal at risk at any point of time. At the same time also want to dabble around with equities, but are afraid to do so. Equity Investment for the Risk Averse, this is the problem…
Mutual funds are lovely financial instruments and there is no doubt in their effectiveness overall. But are they instruments which you can invest in and then completely forget about it? This blog looks at the past 10 year returns of all the Large cap mutual funds (having a track record of 10 years) and see…
Home Loan Prepayment – in the Part-1 of this blog, we looked at the structure of EMI. We will in this Part-2 of a blog look at the Pros vs Cons of the prepayment. Then we will also look at scenarios under which it is not very wise to prepay. Pros of Home Loan Prepayment…
Home Loan prepayment is one of the most difficult decisions to make. I personally have a home loan running from 2004 till now and have not thought about closing it. Saving taxes vs Part repayment of the loan vs Investing the repayment amount in some other assets – all of us are torn between making…
Everyone knows about LIC in the country, but not many have heard about Postal Life Insurance (PLI). Please note that insurance should never be done as an investment. We will compare the LIC and PLI from three aspects – Premium Cost vs Returns vs Ease of use. In the end I will also share my…
Have you heard of RBI Retail direct? (https://rbiretaildirect.org.in/#/) This is a way to invest in Govt primary issuances (and re-issuances) of government securities. Some key aspects of RBI Retail Direct – Retail investors can Invest directly in govt securities Access to primary market issuance Ability to trade in the secondary market Invest directly using RBI’s…
Investing in turbulent markets is really tough. We are in testing times now, with inflation peaking and Central banks rushing to increase the rates to ease the inflation. The stock markets are moving sideways, and all investment avenues don’t look so attractive as it did 6 months back. One of the biggest problems I personally…
Firstly, I am a big fan of goal based investing and not just creating a simple portfolio overall. But this trouble free portfolio can be used to beat inflation and achieve your financial goals. If your attitude towards investing is, I don’t want to keep tracking on a monthly basis and make changes, but have a…
So now we know from this blog, that we take life insurance to protect our human capital (if you don’t know what this is, read up here). Firstly, one of our major financial capital is the house we build. How do you protect that? What protection does a physical construction like a house need? Well,…
