I see huge hoardings with a life size picture of a retired couple on a water scooter smiling ear to ear. The hoarding is trying to convey how you can live life fully without making any compromises even post retirement. Post retirement is a different period specially in financial terms. The regular salary stops. Either […]
Stuck in the absolute – How bias affects our decisions?
I have been having a recent email exchange with a Unovestor. I was persuading him to consider more reasonable returns from his investments. His comments: “If I cannot expect even 15 to 18% returns from equity or mutual funds then what is the point of investing in them. Even real estate investment held over long periods of time […]
How much risk can you take?
Risk is such a commonly used word in our daily lives. It is also the one, which is not fully understood. The term we more often use is “chance”. Let’s use this chance to understand risk. What is risk? Risk is the uncertainty that we face when we venture into the ‘unknown’. If I could express it in the following […]
Is Unovest a Robo Advisor?
(I write this post in response to this question, which has been asked too often.) What’s a robo advisor for investments? A robo advisor is a service with a significant use to technology to help advisors manage their money and investments. It uses pre-defined algorithms to select and recommend investment portfolios. It asks the user several questions, […]
Should you invest in dynamic bond funds?
“Can I invest in a Dynamic Bond fund? They seem to be giving good returns.” my friend asked me. My friend’s investment thinking starts at returns and ends there. It is time to enlighten a bit. What are Dynamic Bond Funds? Dynamic bond funds are a unique category of debt funds, where the intention is to make […]
Versus the benchmark – The pitfalls of evaluating mutual fund performance
A mutual fund scheme is required to have a benchmark. SEBI wants every fund to choose and share comparative performance with this chosen benchmark. A benchmark is typically a publicly available market index such as the Sensex, Nifty 50, Nifty 500, BSE Mid cap, etc. This is true for equity funds. In case of debt or hybrid funds, some institutions, such […]
