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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The risk in not investing in equities

While equities (including mutual funds) have historically given good returns in a long time horizon. they come with a risk. However, while there is a risk associated with investing in equities, there is a risk associated with not investing in equities also.What are the risks of not investing in equities?

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Capital protection or capital growth?

What is your purpose of investing – Most of the answers to this question can lead to one of the following – capital protection and capital growth. Which goal should you be chasing?

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PPF versus ELSS – Which is a better investment?

PPF or ELSS – Which is a better investment? – is a question in mind of many savers and/ or investors. While both these instruments are popular among people seeking tax exemption under Income Tax Section 80C, their objectives & eventual returns can be different. Before we begin, let’s try to understand each of these […]

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3 questions to ask before doing asset allocation

Different people can have different asset allocation strategies. And all these can be right at the same time. You need to choose the asset allocation strategy that best suits your needs. What are the different asset classes you can invest in? And what is the ideal asset allocation strategy?

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