Inflation is the sustained upward movement in the overall price level of goods and services in the economy. When a unit of currency depreciates in value, so does purchasing power, as it takes more currency units to buy the same amount of goods and services than it did in the past. Inflation has a huge influence […]
We sometimes hear of a commonly used financial term called “Beta”. But what is it? Beta (β) is a measure of the volatility of a security or portfolio or an individual Mutual fund compared to the market as whole. Beta describes the relationship between systematic risk and expected returns on assets. Let me explain…. When
How many millionaires do you know who have become wealthy by investing in bank savings account? You may have heard that investing in stocks can be a great way to create wealth over time, and it\’s certainly true. The stock market is made up of exchanges, like the SENSEX and the NIFTY. Stocks are listed
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All investments carry some amount of risk. It varies for investor to investor. It depends on age, income, fixed expenses, the number of dependents in the family, net worth etc. We often hear that people should invest in assets depending upon their risk-taking ability. But what is one’s risk-taking ability? or how much risk one
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Do you know the difference between Nominal Rate of Return & Real Rate of Return? Interest rates can be expressed in two ways, as nominal rates or real rates. The difference is that nominal rates are not adjusted for inflation, while real rates are adjusted. As a result, nominal rates are almost always higher, except
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Several independent studies have shown that over multi-year periods, value averaging investment plan (VIP) can produce slightly superior returns to rupee cost averaging i.e. systematic investment plan (SIP), although both will closely resemble market returns over the same period. What Does Value Averaging Mean? An investing strategy that works like rupee cost averaging in terms
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Human Brain is divided in to three major sections Outer Layer Middle Layer Inner Layer Outer layer of the brain is known as the Rational Center, which handles complicated cognitive processes, such as objective thinking & rational decision making. It is also known as cerebral cortex. The cortex is the brain\’s logistical centre. It is
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You may wonder – \”Do I really need a financial plan?\” Some feel that saving regularly in bank recurring deposits or Systematic Investment Plans (SIPs) in mutual funds is financial planning. But allocating savings and investments in ad hoc manner is not enough to achieve your life goals. And such investments lead to inefficient utilization
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Risk management aims to control the damages and financial consequences of threatening events. Life is full of uncertainties. A person, who is happy, healthy and alive today, does not know what will happen tomorrow. Uncertainties translate into risks. How can Risk be managed? While risks cannot be eliminated, measures can be taken to reduce the
