Rental Income is one of the most favorite retirement planning tools in India. As i keep highlighting that Property and Gold are two most popular investment avenues for Indians. With the grace of God, i am currently staying in my house, but my previous landlord has seven properties in Mumbai. An average rental income of Rs 30,000 means monthly rental income of Rs 2,10,000. A good enough amount to live a peaceful and luxurious life. The best part is to leave an asset to legal heirs. Besides, retirement planning i keep getting queries from my readers on taxability of rental income. Many readers ... Read More
Value Investing – Best Alternative to SIP
Value Investing is the most commonly used word in personal finance space. If anyone tell you about Value Investing, then you think this person is quite a knowledgeable :). In layman terms, Value Investing is nothing but BUY at LOW Value and SELL at HIGH Value. At every critical level of the market, experts suggest it's time for Value Investing. I heard this when the market was at 8500, at 8000 and recently near 7500. Whenever an investor invest, he invested with an assumption that it is the lowest point. In short, the market will not go down further. Unfortunately, it is not TRUE. As i always ... Read More
Financial Distress – 5 Early Signs
Financial Distress, In layman terms, is the situation in which an individual may find it difficult to manage his/her personal finances. Financial Distress is not necessary linked only to borrowers. Even a debt free person can be in a Financial Distress. Another way to explain is when your expenses exceed your income then it implies that you are in a Financial Distress. Here expenses mean monthly outflow. It is an undesirable situation for any individual or a family. In my opinion, Financial Distress is not sudden phenomena. It gives timely and necessary warning in advance to fix the financial ... Read More
Arbitrage Mutual Fund – The Right Choice
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
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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