Behavioural Finance

A Guaranteed Income Plan or A GUARANTEED TRAP!!!

A friend recently got a call from HDFC about a new investment cum insurance plan – HDFC Sanchay Guaranteed Income Plan. Pay a premium of Rs 1 lakh for 12 years and the policy will pay a guaranteed income of …

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Financial Literacy

Credit Score – Your Financial Reputation

After months of house hunting, Ajay and Priyanka found their dream house. They confidently approached their bank for a home loan as both of them are earning well. But they are in for an unpleasant surprise: the bank rejects their …

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Financial Literacy

Money in your Savings Account is not an Investment

Overcome Loss Aversion – Do you keep your money idling in bank accounts, assuming it safe??? Value of Rs. 1 lakh in Savings Account in 2007, earning 4% per year is equivalent to Rs. 69k in 2017. The value of …

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Financial Literacy

Debt Funds Versus Fixed Deposits

Short term goals – I require money after 3 to 6 months. Buy a Car in 1 year. Foreign Vacation.. Solution – Debt Mutual funds give better post tax returns than fixed deposit…

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Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs.

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