Investment Shastra

How to choose the Best ELSS Fund

It’s that time of the year when every salaried class individual starts looking for tax saving alternatives. Mutual Fund ELSS scheme is one of these options and the best one available at that. What is an ELSS...

Why an estimate of future upside is more useful than past performance when investing in Mutual Funds?

If you ever asked “when is a good time to invest in a specific fund”, you are likely to get one of two following answers and some very dirty looks: “Yesterday”. Meaning you were stupid enough not to have...

Risks in investing and the Role of an Advisor

Since childhood we have heard and internalized this saying, “No risk, No gain”.  We have learnt that Fixed Deposits in State Bank of India is the safest. And without doubt it is but the returns we earn does...

Why chasing top performing funds is a bad idea?

MoneyWorks4me ‘Implied Investor Returns’ show that investor returns are lower than mutual fund returns over long time periods. One would ask how can investor returns be any different than a fund’s returns...

Financial Planning: Ravi, 34

Ravi, 34, plans to quit his job and start his own business Ravi, 34, has worked as a consultant for almost 10 years now, while his wife, Rohini, works in a bank. They have a 5 year old son Rewansh. They...

Very high returns expectations can become a stumbling block

What returns do you expect from your equity investment?  We ask this question to retail investors & here’s how many of the conversations happen: Advisor: What returns are you expecting on your equity...

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