Arbitrage Mutual Fund is a unique type of mutual fund. If i tell you that i invested in an equity mutual fund that is almost 100% risk-free. You will think, have i gone mad?. The answer is NO. Arbitrage Mutual Fund is an equity mutual fund but provides USP of a debt mutual fund i.e. capital safety. Investors invest in Arbitrage Mutual Fund as an alternative to Debt Mutual Fund or during volatile times. Utterly Confused!!!. I also got confused when i first came to know about this product. As i discussed in my post, Debt Mutual Funds - 7 Hidden Risks that contrary to popular perception, debt ... Read More
Bank Loan Default – How to Manage it?
Gone are the days when borrowers went scot free after defaulting on Bank Loan. In the digital age, it is very easy for banks to locate bank loan defaulter. In particular cases, i have seen banks filing FIR if the defaulter is wilful defaulter with an intention to fraud and amount is huge. I am not scaring the readers but to give a realistic picture. The things will go bad from here on as there is an enormous pressure on banks to recover the dues and bring NPA's under control. The default on a bank loan is not an overnight phenomenon. A borrower receives initial signals of financial distress. ... Read More
Loan Default – How to avoid it?
Loan Default is not good for both the borrower and the bank. The loan default increases Bank NPA's and negatively impact the CIBIL Score of a borrower. The default can be intentional or unintentional. If Loan Default is intentional, then nothing much can be done in this regard. Unfortunately, banks treat both sets of defaulters with the same stick. As i mentioned in my some of the previous posts that concept of credit counseling is not common in India. Your loan manager is all in one who may or may not be in a position to guide you. In the case of Loan Default, a borrower is left in a lurch, ... Read More
Loan – Check its impact on CIBIL Score
A Loan is another name of consumerism. An easy finance or loan is both good and bad for the economy. Recently, you must have read news articles on the Gross NPA's of the banks. Though no one is willing to state the obvious, that it is a direct fall out of easy loans in past. The declining interest rates are good for an economy but to maintain the quality of a mortgage is a big challenge. It is another threat to the economy. It is called Easy Money. Though we can say that without consumption, the economy cannot grow and I do agree. But in this whole debate we miss a very crucial point that it's ... Read More
Investment Risk – 5 Imp Factors
Investment Risk is the risk grade of an investor. In other words, Investment Risk means how much risk i can take as an investor. An investor doesn't take it seriously and just throw a ball in the air. In day to day interaction there only Three types of risk i.e. High, Medium, and Low. At the time of investment if i tell my investment adviser that i can take high risk, he will suggest me direct equity exposure and few mid and small cap mutual funds. In the case of Medium Risk, suggestion will be Large Cap or Mid Cap mutual funds. Whereas, in a case of low risk, the options are FD, Debt mutual ... Read More
Mutual Fund Dividend – Is it your Income?
Mutual Fund Dividend is one of the most popular mis-selling points. At the same time, Mutual Fund Dividend is USP for fund houses. It is one of the key reason for the popularity of a scheme. In many cases, the popularity of the mutual fund scheme is directly proportional to the frequency, and quantum of Mutual Fund Dividend declared. The investment advisers are not kind enough to explain the novice investor that Mutual Fund Dividend is being paid from the investment only. Mutual Fund Dividend is entirely different from Stock Dividend. Financially, the dividend declared on a stock is truly your ... Read More
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