A home loan EMI is a common way to fund the purchase of a dream home. In the last couple of years, as interest rates hit rock bottom, banks offered home loan at rates as low as 6.5% with enough takers. However, as interest rates go up now the original payment plan is threatened. How? […]
Buy or Sell – What is the market telling us now?
Warning: Markets are unpredictable, period. This post is about trying to understand what might be the market telling us now. Using that information, maybe, to make some asset allocation decisions. It is not unusual for me to get calls / messages asking if the markets is overvalued and we should take money out from equities. […]
RBI doesn’t cut rates – What you should do?
On Oct 9, 2020, RBI gave a lot of reason to the markets for cheer and hope. It took several steps to ensure that economic revival is not curtailed for the lack of funds. However, as you also know, in the wake of higher than expected inflation, the central bank did not cut policy rates […]
How to get higher returns during falling interest rates?
I got this investor query today. I see that the Liquid Funds were giving (~4% on a yearly basis) since we moved our earlier debts funds to these Liquid Funds this year when the franklin issue surfaced. Would want to discuss if we have an alternative to improve the returns and still retain the safety net. […]
Flight to safety in debt funds – Insights for 2020 & beyond
2020 marked a culmination of the problems that started to emerge since 2018 in the debt fund space, triggering a flight to safety. Lakhs of investors were left stuck as they faced an unprecedented event where 6 debt schemes announced winding up. The risk in debt funds played out for real and like never before. […]
