How can expense ratio affect your mutual fund returns?

Lot of us are aware about something called expense ratio, but we rarely give a thought about its implications. How can expense ratio affect your mutual fund returns?

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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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Why do people lose money in stock market?

Ownership of good quality stocks has often been associated with wealth creation and financial independence. There have been several people who have made a good amount of wealth via stock markets – by investing, staying invested or trading. At the same time, there are many more who have  failed to emulate them, or lost money […]

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What ROI you should be chasing while investing?

When you look around for investments, there is a glut – of investment products, of products packaged as investments and products masquerading as investments. However, when it comes to spending real money you need to have a right mix of investments. There is no one right approach towards investments, and there can be several approaches […]

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How can you be on the path towards financial independence?

In my earlier post I talked about financial independence.   Here, let me elaborate on the steps one can take to be on the path to financial independence. While complete financial independence may not be achievable for everyone, with right approach one can at least try to achieve partial financial Independence.   Here are the […]

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What is financial independence?

Hearing the term – F.I.R.E – Financially Independent and Retire Early is not very uncommon, and it is also not uncommon to find people having achieved that or aspiring to achieve that. Are you one of them?   Financial independence is basically having enough assets that they can take care of your expenses for rest […]

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