Rich, yet bankrupt!

What makes you rich – high income or savings? There are several examples of celebrities who are seemingly rich, yet bankrupt!

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How can you start investing?

How can you start investing? – This is a question which several wannabe investors have. These may often be wannabe serious investors, or just someone who heard of investing and wants to get started (and different types of people in between!). It might just be indicative of the general inertia while investing.

So – how does one start?

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Right questions to ask while choosing a financial advisor

When it comes to financial advisors, there is a lack of clarity on what financial planners do. Some of the common questions are – How much do they cost? What is the final product – a report and a set of actions points? Or do the advisors also manage the KYC, account opening and investing process? Here is a set of questions you should ask an advisor to figure out if they suit your needs.

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Mistakes to avoid in tax saving investments

What are some mistakes to avoid while choosing tax saving investments? There are plethora of tax saving options available (Most of the tax saving options in India are under Section 80C). However, very few people bother to understand how these investments works and what suits them.  This leads to people getting drawn towards investments which […]

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Does easy access to loans make things affordable to you?

Getting loans has never been easier. More and more banks, NBFCs and fintech startups are making it easier to access loans. Some promising loans with just click of few buttons. You can fulfill most of your needs via a loan, even if you are short on cash.

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Concentration risk while investing

Concentration risk is the risk which an investor faces while investing in only few assets and not diversifying enough. It can be concentration in a single asset class (e.g. – all equities or real estate) or single or few investments within one asset class (e.g. – buying just 2 stocks for entire portfolio!). If everything goes well, this concentration can be very good for you. But it requires things going wonderfully well for that asset class and your specific investments. But, as you think of placing concentrated bets … are you aware of the risk? What if the asset class/ investment you have been bullish upon, doesn’t do well? Here are some ways the concentration risk while investing can play out.

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5 reasons why people invest in insurance

Don’t mix insurance and investments – most financial advisers, who don’t have any conflict of interest will suggest that.  You end up doing injustice to insurance as well as investments in that case! Yet insurance continues to be a popular investment. What are the reasons why people “invest” in insurance products?

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Common mis-selling in financial products

Mis-selling in financial products – There is nothing new or uncommon in this. Yet we often fail to realize this – or realize it after it is too late! It is not uncommon to hear stories where people bought product because a friendly uncle or friend or bank’s relationship manager (RM) or investment adviser suggested. […]

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Time value of money

A $100 is a $100 is a $100. No brainier? Theoretically yes. But practically – life is more complicated. One of the reasons is the concept of time value of money! Time value of money – is an interesting relationship between money and time! It is visible everywhere.  Money is usually worth more today than […]

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