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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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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Debt funds as an alternative to fixed deposits?

Debt funds are in news again. This time thanks to DHFL (You can read in more detail here). NAV (Net Asset Value) of several debt funds have plummeted in a single day. This raises a question – Are debt funds really safe? They are often pitched as an alternative to fixed deposits – with a […]

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Where are the stock markets headed for?

Where are the stock markets headed for? We all can make calculated guesses based upon our own understanding and observations. Some of us will probably be right. But nobody knows for sure where the stock markets are headed for.

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Some common misconceptions about investing

A right approach towards investments can be your starting point towards your financial goals. While your investment mix may not always be perfect (who has!?) it is good to understand different investments, how they work and how they can help you achieve you financial goals. Before that, it is important to dispel some common misconceptions about investing, and hopefully base investing decision based upon understanding  of how that investment works rather than hearsay!

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Are your investments really profitable?

We all want our investments to be profitable and deliver good returns. But how do we evaluate profits on investment? Is it a simple selling price minus cost price of the investment? Or is it not simple as it sounds? Is there a sure way to know if your investments are really profitable?

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Financial planning is more than just chasing high returns

While preparing a financial plan for ourselves and our family, we tend to focus on investment part of it. Agreed, it is an important aspect of financial planning, but it is not the only thing. We often tend to get attracted by the investments that give higher returns. However, in the pursuit of high returns, do we lose the sight of other aspects of financial planning journey?

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