# Wisdom Investments
> Technical Analysis gives you powerful insights on profitable technical patterns and strategies supported by statistical analysis of markets.
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## Pages
- [About Us](https://wisdominvestments.in/about-us.md) - ABOUT US About Wisdom Investments We have a reputation built on helping successful individuals achieve their financial planning and investment goals. Wisdom Investments is an Illinois Registered Investment Advisor. We are fiduciaries who are legally and ethically responsible for putting your intere…
- [Contact Us](https://wisdominvestments.in/contact-us.md) - CONTACT US Thank you for trying to reach us. Do you have an inquiry, question, comment, or submission? Please feel free to contact us anytime. We love to read them. Please leave your info and we will get back to you as soon as possible. We are here to help! Complete the information below and we wil…
- [Disclaimer](https://wisdominvestments.in/disclaimer.md) - DISCLAIMER DISCLAIMER – EQUITIES *Investments in equity shares, debentures, etc., are not obligations of, or guaranteed by Wisdom Investments, and are subject to investment risks. Wisdom Investments makes no representation, warranty, or guarantee as to the quality, accuracy, completeness, performan…
- [Financial Planning](https://wisdominvestments.in/financial-planning.md) - Financial Planning We take a holistic approach to financial planning. We believe that every financial plan should consist of a full review of your entire financial picture. GET STARTED About Financial Planning : Financial planning is the process of setting and managing personal or business financia…
- [Home Page](https://wisdominvestments.in/home-page.md) - * Learn Technical Analysis Technical Analysis gives you powerful insights on profitable technical patterns and strategies supported by statistical analysis of markets. BOOK NOW * Learn Fundamental Analysis Learn the fundamentals of investment finance and the implementation of key asset-pricing mode…
- [Learn Fundamental Analysis](https://wisdominvestments.in/learn-fundamental-analysis.md) - Learn Fundamental Analysis Learn the fundamentals of investment finance and the implementation of key asset-pricing models and firm-valuation techniques in real-world situations. Skills you will learn * Understanding how stock markets work * Essentials of successful investments * Building a strong…
- [Learn Technical Analysis](https://wisdominvestments.in/learn-technical-analysis.md) - Learn Technical Analysis Technical Analysis gives you powerful insights on profitable technical patterns and strategies supported by statistical analysis of markets. Skills you will learn * Know the basics of Trend Trading * Understanding Indicators in Technical Analysis * Identifying Chart Pattern…
- [Mutual Fund Advisor](https://wisdominvestments.in/mutual-fund-advisor.md) - Mutual Fund Advisor Learn what are mutual funds, how do they work, and different types of mutual funds. Know its potential benefits, how to start and things to know before you start investing. GET STARTED About Mutual Fund : What is a mutual fund? A mutual fund is a type of investment vehicle that…
- [Personal Investments Software](https://wisdominvestments.in/personal-investments-software.md) - Personal Investments Software Start Managing Your Own Stock Portfolio With Personal Investments Software / Accounting Software. Track your Dividends. Effortless Setup. Save Time and Money. No More Data Entry. GET STARTED About Personal Investments Software : Personal investment software is a type o…
- [Privacy Policy](https://wisdominvestments.in/privacy-policy.md) - PRIVACY POLICY This privacy policy sets out how Wisdom Investments uses and protects any information that you share when you use this website. Invest well is committed to ensuring that your privacy is protected at all times. Should we ask you to provide certain information by which you can be ident…
- [Our Services](https://wisdominvestments.in/services.md) - OUR SERVICES Learn Technical Analysis Learn Fundamental Analysis Technical Analysis Tool Personal Investments Software Mutual Fund Advisor Financial Planning
- [Technical Analysis Tool](https://wisdominvestments.in/technical-analysis-tool.md) - Technical Analysis Tool Best Trading Tool for Indian Stock Market. Its Most Accurate System with 98% Accuracy. Investors and traders use trading tool for its automated trading capabilities and systems. GET STARTED About Technical Analysis Tool : Technical analysis tools are software applications or…
- [Terms and Conditions](https://wisdominvestments.in/terms-and-conditions.md) - TERMS & CONDITIONS Welcome to our website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our ‘Privacy Policy’, govern Wisdom Investments’ relationship with you. The term “Wisdom Investme…

## Posts
- [Cost of Delay in Investing](https://wisdominvestments.in/cost-of-delay-in-investing.md) - There is no such thing as perfect timing or perfect decision making – only hindsight can determine whether or not you’ve made the ‘right call’. Today, it is easier than ever to become lost in indecision. Well let’s keep it simple – 1. Invest in Debt Mutual Funds for short term goals upto 2-3 years.…
- [Familiarity Bias: Your Comfort Zone can be a Dangerous Place](https://wisdominvestments.in/familiarity-bias-your-comfort-zone-can-be-a-dangerous-place.md) - In our day-to-day life, we find many people who will only buy a specific brand of clothes, go to the same store each time or take the same route to reach the store. These are examples of familiarity bias in our routine life. The familiarity bias is very commonly observed in investing, too. Raj, an…
- [Waste Not, Want Not](https://wisdominvestments.in/waste-not-want-not.md) - I don’t know about you, but I’m always looking for ways that I can save a little money. A few bucks here and there can really add up—which means I can afford a vacation or a thing I’ve been wanting to buy for a while. Whatever your money goals are, saving a bit at a time is easier than you think. I…
- [Where are you on the Richie Rich Scale?](https://wisdominvestments.in/where-are-you-on-the-richie-rich-scale.md) - I met a college friend after a long time. After reminiscing about canteen, professors and the college beauty queen, I started complaining about my crappy job and how I would love to retire in ten years. Yeah, said Aditya. That’s the trend these days. FIRE: Financial Independence, Retire Early. Make…
- [Year End Bonus – Should you plan a vacation to Thailand?](https://wisdominvestments.in/year-end-bonus-should-you-plan-a-vacation-to-thailand.md) - Aditya was busy in office, when he received an SMS 📲 You have received a credit in your account. He thoroughly rereads and his face lights up🤩 He has received his bonus amount. All of a sudden, that vacation to Thailand seems possible or how about that big screen TV. Bonus money feels different f…
- [Don’t wait to buy stocks, Buy stocks and wait](https://wisdominvestments.in/dont-wait-to-buy-stocks-buy-stocks-and-wait.md) - Warren Buffet “Someone’s sitting in the shade today because someone planted a tree a long time ago.” The best time to invest is several years ago. The second-best time is now. The sooner you get in the better. Don’t wait to buy stocks. Buy stocks and wait. The earlier you start, the better off you…
- [Investments worthy of a Mother](https://wisdominvestments.in/investments-worthy-of-a-mother.md) - I was looking for Mother’s day gift options online and Google was giving ideas like flowers, jewellery, coffee mugs and cushions that read World’s Best Mother or Love you Mom and many others. My friend suggested: how about a sumptuous lunch at a restaurant? Or better, you cook a meal for her and la…
- [Return of Premium Insurance Policy: a Godsend or a Ploy](https://wisdominvestments.in/return-of-premium-insurance-policy-a-godsend-or-a-ploy.md) - Ranveer, Deepika and their two kids are living a comfortable life. Deepika has taken a break in her career to take care of the kids and Ranveer is working in a multinational company. A typical Indian family with a home and a car loan. Ranveer is doing very well in his career, however he has a niggl…
- [How to make your Home Loan Interest-Free 2](https://wisdominvestments.in/how-to-make-your-home-loan-interest-free-2.md) - Last time we discussed how Ajay and Neha had taken a home loan of 50 lakh and paid EMI of 45k monthly for 20 years. They also started an SIP of 5k for the same tenure. After 20 years they had paid off the principal amount of 50 lakh, plus interest of 58 lakh, a total of 1.08 crore. The SIP of 5k ga…
- [How to make your Home Loan Interest-Free](https://wisdominvestments.in/how-to-make-your-home-loan-interest-free.md) - Ajay and Neha were relieved, the home loan which they had taken 20 years ago was finally over. They had taken a 50 lakh loan at an interest rate of 9% and the EMI worked out to 45k monthly whereas they had budgeted for 50k so they decided to invest the difference – 5k. Every month they paid 50k, an…
- [How to Save Tax by Investing in Family Member’s Name](https://wisdominvestments.in/how-to-save-tax-by-investing-in-family-members-name.md) - Mr Sharma, a marketing professional, recently got a bonus of 5 lakhs and invests it in fixed deposits in his wife’s and daughter’s names. Mrs Sharma is a homemaker and her daughter has recently started working. She earns less than 2.5 lakhs annually and is not liable to pay any taxes. Mr Sharma is…
- [Why aren’t we half as patient with Equity as we are with Real Estate?](https://wisdominvestments.in/why-arent-we-half-as-patient-with-equity-as-we-are-with-real-estate.md) - I was talking to my mom about our house in Pune. My elders had bought the flat for 1 lakh in 1978 and today it is worth 1 crore. 💯times growth in 40 years. Wow, that’s FANTASTIC! 🤩🥳 I’m sure you have heard such success stories from your relatives and neighbors. Let us dig deeper to figure out th…
- [Say No to Endowment Plans](https://wisdominvestments.in/say-no-to-endowment-plans.md) - Endowment plans (LIC Policies) are very popular in India. Knowingly or unknowingly, most people end up buying this type of policy. They appear to be simple, transparent and highly beneficial. They are insurance cum investment products. However it is not recommended as they offer a sub-optimal combi…
- [Think Big Picture!](https://wisdominvestments.in/think-big-picture.md) - We are living in a world that is changing dynamically. Reading the summary has replaced reading a book. Crash diets have replaced exercises. In today’s age of instant gratification, a few investors may be upset that their SIP has not grown enough in a year. Though the world is changing dynamically,…
- [The Most Efficient Way to Save Tax](https://wisdominvestments.in/the-most-efficient-way-to-save-tax.md) - Most of us have a tendency to wait until the last moment to start making tax saving investments, and more often than not, we end up making the wrong decision. The key here is to begin investing at the start of the financial year and change the notion of tax saving into tax planning creating a strat…
- [Timing The Market](https://wisdominvestments.in/timing-the-market.md) - “Markets look expensive. I’ll start investing once the markets correct.” “Let the 2019 election results be announced, then I’ll take a call” “Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in corrections themselves”. Pete…
- [The REAL returns from Fixed Deposits](https://wisdominvestments.in/the-real-returns-from-fixed-deposits.md) - Why do you invest in Fixed Deposits? “FDs are safe” “FDs give guaranteed returns” “Even if bank shuts down, I’ll get back my money” Now let’s focus on the facts 1. Real rate of return given by Fixed Deposits from 2001 to 2017 is ONLY 12% compared to 173% given by Nifty. 2. If you are earning more t…
- [Why Your Savings Rates Matters More Than Your Returns?](https://wisdominvestments.in/why-your-savings-rates-matters-more-than-your-returns.md) - In my early twenties, I invested 20,000/- into four specific stocks. I would check the price of each stock daily, sometimes numerous times in a day. When the price went up, I was happy high and when it went down I was low. Back then I had the feeling I was doing a great job of keeping track of my m…
- [Why Investing Lump Sum Is Better Than STP](https://wisdominvestments.in/why-investing-lump-sum-is-better-than-stp.md) - Anisha just inherited 50 Lakhs from her Grandma. She’s a smart young woman and she knows she should invest this money for a brighter future. But the question is how? Should she invest the entire 50 Lakhs in the market right now? Or should she put it in a liquid fund and do STPs (systematic transfer…
- [How Can We Nudge Ourselves To Save More](https://wisdominvestments.in/how-can-we-nudge-ourselves-to-save-more.md) - Would you commit to eating a healthier diet if the diet started next week and not today? Researchers at Leeds University Business School say yes, you would. They asked people what they would prefer to snack on at a meeting that would take place in 7 days: a chocolate bar or a banana. 74% of the par…
- [Is Everyone Making Money Except You?](https://wisdominvestments.in/is-everyone-making-money-except-you.md) - Have you ever skipped dinner with your friends without a second thought, only to find out it turned into drinks, and bar hopping, and a house party, and supposedly, “the best night ever”? And the day after, you’re looking at pictures and hearing stories and mentally kicking yourself. No one can att…
- [You Don’t Need To Shoot For The Stars](https://wisdominvestments.in/you-dont-need-to-shoot-for-the-stars.md) - Many people think that the key to getting rich is making a lot of money. Let’s find out. Grace Groner was orphaned at 12 and was raised by kind neighbors. She later lived in a tiny one-bedroom cottage. She shopped at second-hand sales, loved to walk everywhere, and worked for most of her life as a…
- [Always Ask Why](https://wisdominvestments.in/always-ask-why.md) - When a new post commander arrived at an Army base, he was surprised to see a couple of his soldiers standing guard over an empty bench. It seemed odd for soldiers to do this, so he asked a sergeant who had been on base for a few years why the bench was being guarded. “I don’t know why,” the sergean…
- [Employ The Brightest Minds In The World And Become Rich](https://wisdominvestments.in/employ-the-brightest-minds-in-the-world-and-become-rich.md) - If you run a business, you know how difficult it is to find committed staff. It’s so hard to even get someone to carry out minor plumbing or electrical repairs. Committed employees are hard to find. That said, Let me tell you something remarkable. "I have some of the most brilliant minds in the wor…
- [Move Up The Wealth Ladder](https://wisdominvestments.in/move-up-the-wealth-ladder.md) - We’re fascinated by the net worth of ultra-HNIs like celebrities, business tycoons, politicians, and sports heroes. But even for the “aam aadmi,” knowing our own net worth can be very useful for us. Do you want to assess your personal financial balance sheet? And use that to decide future spending?…
- [Why You Shouldn’t Panic Due To Market Volatility](https://wisdominvestments.in/why-you-shouldnt-panic-due-to-market-volatility.md) - The war in Ukraine has introduced uncertainty to a stock market that’s already had a shaky start to the year. Panic-selling for long-term investors almost always ends poorly. Investors who kept their wits during the 2008 financial crisis ended up not only recouping their losses but also earning exc…
- [Making Your Financial Plan Indestructible](https://wisdominvestments.in/making-your-financial-plan-indestructible.md) - SENSEX has delivered a compound annual growth rate of 15.72% between March 1979 (its inception) and March 2021. This is approximately 8% higher than the average inflation rate during that period. So should we invest all our savings in equity? Certainly not. Equity markets don’t rise in a linear fas…
- [Grab Last Year’s Price Today!](https://wisdominvestments.in/grab-last-years-price-today.md) - Almost everyone I speak to wishes they had begun investing earlier on in life. If only you had been investing ten to fifteen thousand rupees monthly when you got your first job, you’d be well on your way to a fat retirement nest egg. Meanwhile, when there is a market correction taking place, these…
- [How To Retire In 15 Years](https://wisdominvestments.in/how-to-retire-in-15-years.md) - Another horrible commute.🚗🚙 A highly unpleasant interaction with a know-it-all😏 colleague. A manager that seems to pile on more work every day – and yet isn’t nearly so generous with the recognition🙌. And the work itself. What (hopefully) seemed exciting early📆 on has now completely lost its l…
- [Make friends with volatility to make money in uncertain](https://wisdominvestments.in/make-friends-with-volatility-to-make-money-in-uncertain.md) - Ajay started an SIP in January 2008 of Rs. 10000 every month, by March 2009 he had invested Rs. 1.4 lakh, however the value of his investment was less than 1 lakh. What would you do if you were staring at a loss? Unfortunately most investors stop their investments and lose the opportunity of making…
- [What is Wealth?](https://wisdominvestments.in/what-is-wealth.md) - Wealth is in what others don’t see: Mutual funds, bank and demat accounts. Loans are what others see: Huge house, luxury car and social media photos of expensive travels.
- [Don’t put all your eggs in one basket, or so it seems…](https://wisdominvestments.in/dont-put-all-your-eggs-in-one-basket-or-so-it-seems.md) - Ram : I want to start an SIP of Rs. 10k in five different mutual funds of Rs.2k each. Shyam : Why five funds? Ram : As Warren Buffet says.. Never put all your eggs in one basket. Shyam : That’s true but in other sense. Here the basket is Asset Class meaning Gold, Real estate, Equity and Bank FD. Te…
- [Have your Investments Beaten Inflation?](https://wisdominvestments.in/have-your-investments-beaten-inflation.md) - Its imperative that returns from your investments beat inflation. Let’s take a closer look at different asset classes and their historical inflation adjusted performance. PF have given inflation adjusted return of 2.26% CAGR in the last 15 years. Indians love investing in Gold, however returns have…
- [Why do I need an Emergency Fund?](https://wisdominvestments.in/why-do-i-need-an-emergency-fund.md) - A New Year is the perfect time to make resolutions for the year and one of the few initial steps in the Financial Planning process involves taking care of unforeseen risks. Create an Emergency Fund In today’s uncertain job market, a lay-off can lead to months of umemployment. A serious illness or d…
- [Increase your SIP amount by only 10% and get 5 Crore more!](https://wisdominvestments.in/increase-your-sip-amount-by-only-10-and-get-5-crore-more.md) - Already investing through SIP, that’s fantastic. Here comes SIP Top-Up. Every year when your income increases, increase your SIP amount only by 10% and get 5 crore more!
- [Got a lump-sum to invest in equity? Use STPs to reduce risk](https://wisdominvestments.in/got-a-lump-sum-to-invest-in-equity-use-stps-to-reduce-risk.md) - I’ve 5 lakhs with me, how should I invest? Worried about elections, Trade (Trump) wars or Market is volatile? The solution is rather simple, SIPs close cousin – STP – Systematic Transfer Plan, a method to stagger investments into equity funds over a period of time. Ram has received 1.2 lakhs as ann…
- [Save Smartly for your Little Genius](https://wisdominvestments.in/save-smartly-for-your-little-genius.md) - If you are an Indian parent, ‘dilemma’ is probably your middle name. When you aren’t in a fix over how to impart the right values, you’re possibly fretting over how to build up the corpus for his education and wedding. Right from pre-school to their post-graduation studies the costs are ever increa…
- [Mutual Fund versus Fixed Deposit](https://wisdominvestments.in/mutual-fund-versus-fixed-deposit.md) - Imagine you are moving at 10 km per hour 🚗and your friend is moving at 11 km per hour🚙. After 6 minutes they are only 100 m (1/10th of 1km) apart which is not very significant. You can literally see👀 each other. After an hour you are 1 km apart. You can no longer see each other but still you are…
- [Which Financial Instrument should one use to Save on Taxes?](https://wisdominvestments.in/which-financial-instrument-should-one-use-to-save-on-taxes.md) - Around Dec – Jan every year, you get an email from your HR about submitting the investment proofs for the financial year which sends all of us into a bit of panic. Your colleague advises you to invest in ELSS, your bank manager says an insurance policy is a better idea. Your parents will suggest to…
- [Saving Versus Investing](https://wisdominvestments.in/saving-versus-investing.md) - Is there really a difference between Saving and Investing? Most of us think that Saving and Investing are the same thing, however they are as different as chalk and cheese. Tarun puts money aside on a regular basis. He spend less than he earns and he deposits the rest in the bank. This is Saving. A…
- [Starting Early is the COMPLETE Battle Won](https://wisdominvestments.in/starting-early-is-the-complete-battle-won.md) - It’s said the early bird gets the worm. This adage is best suited to the world of investing where – the earlier you do your retirement planning the greater will be your return on investment. Take the case of Suresh and Ramesh, both of the same age. Suresh starts investing 5k per month from his 25th…
- [Rule of 72](https://wisdominvestments.in/rule-of-72.md) - In how much time will my money double..?? By using it, you get to know in how much will it take to double your money. Suppose you invest in Fixed Deposit that offers 8% rate of return. You have to just divide 72 by 8. You get to know that your money will double in 9 years. In case of Mutual Fund, a…
- [Enjoy Tax Exemption on your 10 lakh earnings](https://wisdominvestments.in/enjoy-tax-exemption-on-your-10-lakh-earnings.md) - It is said that there are only two things certain in life: Death and Taxes. Well this no longer stands true. At least in case of taxes, it is possible for someone earning up to 10 lakhs to be exempt from paying taxes. So how can one avail of this benefit? To understand this better, first let’s unde…
- [You Can Afford Anything, But Not Everything](https://wisdominvestments.in/you-can-afford-anything-but-not-everything.md) - Recently I came across two extreme real-life stories: A. Can Collecting Millionaire Curt Degerman spent his life strolling through a small coastal town in Sweden on an old bicycle. He searched recycling bins for cans and bottles, which he sold to a recycling plant. No loans. No debt. Minuscule expe…
- [A Guaranteed Income Plan or A GUARANTEED TRAP!!!](https://wisdominvestments.in/a-guaranteed-income-plan-or-a-guaranteed-trap.md) - 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 Rs 2.25 lakhs from the end of the 14th year (they could have also said from the start of 15t…
- [Credit Score – Your Financial Reputation](https://wisdominvestments.in/credit-score-your-financial-reputation.md) - 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 loan request as Ajay has a poor credit score. Credit Score – What on…
- [Money in your Savings Account is not an Investment](https://wisdominvestments.in/money-in-your-savings-account-is-not-an-investment.md) - 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 Rs. 1 lakh lying in a savings account since Sep’ 2007 would be Rs. 1.48 lakh today, but it…
- [Debt Funds Versus Fixed Deposits](https://wisdominvestments.in/debt-funds-versus-fixed-deposits.md) - Short term goals – 1. I require money after 3 to 6 months. 2. Buy a Car in 1 year. 3. Foreign Vacation.. Solution – Debt Mutual funds give better post tax returns than fixed deposit...
- [How to fund your child’s foreign education](https://wisdominvestments.in/how-to-fund-your-childs-foreign-education.md) - Planning to send your child abroad for studies? This is how much it will cost.. This is how you can easily fund your child’s education..
- [Do you need a Health Insurance Policy?](https://wisdominvestments.in/do-you-need-a-health-insurance-policy.md) - Even before one starts investing towards one’s goals, getting adequate health insurance cover for self and your family is of paramount importance. Yes EVEN BEFORE you invest in Mutual Funds😊 At the moment, you might be in the pink of health and find no need for health insurance. * But it also cove…
- [Why you should diversify?](https://wisdominvestments.in/why-you-should-diversify.md) - 1947 – 1 Dollar = 1 Rupee 1991 – 1 Dollar = 22 Rupees 2010 – 1 Dollar = 45 Rupees 2018 – 1 Dollar = 70 Rupees How can you benefit from this??? By investing 5 – 10 percent of your investment in International Mutual funds..
- [Gain from the Power of Compounding](https://wisdominvestments.in/gain-from-the-power-of-compounding.md) - Compounding is a disciplined investor’s best friend. Compounding interest is critical to investment growth because it is paying Interest on Interest. Mr. Joshi and Mr. Das have invested similar amount, however one makes Rs. 1.05 cr Vs 40 lakh earned by the other.
- [7 small steps that can help you save lakhs in 10 years](https://wisdominvestments.in/7-small-steps-that-can-help-you-save-lakhs-in-10-years.md) - 1.) It’s never too late to save Cutting down on caffeine is good for your health and wallet. 2.) Junk the junk Ditch just one junk meal a week to make a noticeable difference to your financial health. 3.) Weekday movie nights Weekday movie outings are light on the pocket and provide a crowd-free ex…
- [The 8th Wonder of the World: Compound Interest](https://wisdominvestments.in/the-8th-wonder-of-the-world-compound-interest.md) - Compound interest is the eighth wonder of the world. He who understands it, earns it… he who doesn’t pays it. If a 25 year old starts investing Rs. 20,000 a month, he can build a corpus of Rs. 10.9 crore in 35 years at 12% return. If he starts investing at 35, then to build the same corpus he will…
- [The Magic of SIPs](https://wisdominvestments.in/the-magic-of-sips.md) - Dhanteras marks the first day of Diwali. It is one of the most auspicious times (Muhurats) to buy gold. This is when millions of Indians buy gold, either to wear or as a form of investment. Since 2000, Abhishek has been buying 10 grams of gold every year on Dhanteras. This year is no different. Ove…
- [ACTUALLY achieve your financial goals!](https://wisdominvestments.in/actually-achieve-your-financial-goals.md) - Rahul started an SIP of Rs 10,000 a month in 2010, which was 20% of his income. He is still investing the same amount in 2019, which in only 5% of his income. He is very impressed by the returns he has generated, but the important question is will it help him achieve his goals and make a meaningful…
- [Why Asset Allocation is so Important](https://wisdominvestments.in/why-asset-allocation-is-so-important.md) - Imagine you have a time machine or crystal ball with which you could look into the past or future: you could make perfect predictions and invest accordingly. If it was the start of 2019, I would know that Trump is going to escalate trade war with China, so I would buy as much Gold as possible. Or i…
- [61% regret starting late in saving for their child’s education](https://wisdominvestments.in/61-regret-starting-late-in-saving-for-their-childs-education.md) - Many of us dream of sending our children abroad for foreign education. Studying in a foreign university was once a dream of only the uber intelligent or the super-rich. But now the majority aspire for a foreign degree. And for good reason too. The supply of quality education in India is outstripped…
- [How to Save on Long Term Capital Gains Tax](https://wisdominvestments.in/how-to-save-on-long-term-capital-gains-tax.md) - Previously, the long-term capital gains (LTCG) made on sale of equity shares and Equity Mutual Funds were completely tax-free in your hands. However, the amendment made in the union budget 2018 has changed the tax treatment of LTCG on sale of listed equity shares and equity funds. Beginning from 1…
- [Do Politics and Elections really affect the Equity Market?](https://wisdominvestments.in/do-politics-and-elections-really-affect-the-equity-market.md) - Lok Sabha elections start next month. It can be quite easy for investors to get carried away in predicting a possible outcome, and its impact on capital markets. It is widely believed that election results, politics and market returns go hand-in-hand. However, in the long run, it is only earnings g…

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