Homeownership is an exciting yet complex venture. Many individuals, eager to secure their own self-owned living space must opt for home loans. Now, If there is a situation where one took out a 20-year home loan but wishes to clear it off in just two years, is it advisable? The question is, will one end…
Recently, I received this query from one of my readers over email. The person wanted to know, what return can be expected from SIP for 20 years investment horizon. As the person has not specified the type of mutual fund scheme, I’ll assume that he likes to get a general perspective on the returns. With…
It was my goal to construct a stock portfolio including dominant and monopoly companies. In this article, I’ll share a method of exploring the best monopoly stocks. Over the years, I’ve built multiple algorithms to identify quality stocks. I’ll share with you one method which I use to identify monopoly companies operating in India. Check…
Gold has long been a symbol of wealth and prosperity in India, and its allure as an investment transcends generations. The price of gold is subject to a myriad of domestic and international factors, making it a complex and dynamic commodity to analyze. In this article, we will delve into the key drivers that affect…
Choosing from a list of the best FMCG stocks for the long term depends on various factors like financial health, market trends, and company strategies. Historically, giants like Hindustan Unilever Limited (HUL) and ITC have shown resilience and consistent growth. HUL has a strong portfolio of brands, while ITC diversifies into various sectors, providing a…
Does SIP actually work? This was the query posted by a reader on my blog. He further added to his query stating that. “if SIP is effective, then why don’t all people invest in mutual funds through SIPs.” I can understand his doubt. Whenever we hear about big investors like Warren Buffett, Rakesh Jhunjhunwala, Ramesh…
What is the average return of Sensex? The simplest answer to this query is 13.81% per annum. But to give you this answer, I’ve made a critical assumption. It has been assumed that the holding time is three (3) years. Increasing the holding time to five (5) years will change the average return to 12.76%…
Recently I met a young investor who wanted to know what happened in 2008 with the mutual fund investors. In the 2008 market crash, caused by the subprime mortgage crisis in the US, equity mutual funds saw havoc. The market crash significantly impacted several equity mutual fund schemes. Allow me to mention a few prominent…
If you are a salaried person, you are probably aware of the importance of tax planning. By carefully planning finances, one can minimize tax liability and save a significant amount of money. This article is mainly written for people in the 30% tax bracket. I was specifically asked, how to save tax after section 80C…
Investing in the stock market can be both thrilling and intimidating, especially for beginners. It’s like a journey with the promise of wealth creation. But it’s often fraught with uncertainty. Here I’ll share a time-tested strategy that is also very effective. This strategy is known as the 7-5-3-1 Rule of SIP. Introduction Imagine you’re embarking…
Option chain analysis is a tool that can add to the investment strategy of long-term investors. In this article, I’ll first talk about the fundamentals of option chain analysis. We will also see how to navigate NSE India’s option chain data. Then we will demonstrate the potential benefits of the option chain, for those who…
As a young professional, who is just starting a career at the age of 22, your thought process seems right. You are also thinking about investment. At this age, your professional journey has just started. You will face multiple money needs in times to come. Starting your investment journey so early will definitely give you…
