Most of the Governments of the world have been subsidised by the middle class. Let me explain. The biggest borrower in India is the Government of India – about 80% let us say. Now this government along with the RBI… Read more
Things to be know about Debt Market class
what assets can you invest in to meet your debt requirement? Well there are many – and most of them you know about. Let us just enumerate them. We will see them in detail in . The list is as… Read more
Few misunderstandings about investments in debt funds
Even though debt funds are the biggest contributors to the mutual fund corpus in India, there is surprisingly not much literature on debt funds. Let me start by clearing some misconceptions about debt funds: 1. Debt mutual funds are EXACTLY… Read more
Debt products – the full range
What are the debt instruments that you can invest in? As an Indian you have a lot of choice as far as debt is concerned. You should look for the following when you are looking for a debt instrument: 1…. Read more
Real estate prices are holding up the recovery?
Every business has to have an office. Preferably in Mumbai or New Delhi. This could of course be rented, but many of them prefer to buy it. They need CAs, advertising agencies, car hire companies, and zillions of other service… Read more
Reducing interest rates will help economy to grow ?
If your biggest buyer buys 80% of your production, he can control price. Economics 101. So Nsc, ppf, kvp, other postal schemes, and the greatest of them all commercial banks have tons of money coming in at 8% or 8.5%… Read more
Business: Laws of Economics
When you do a business, the Laws of Economics apply to that also. You buy things add your overheads, add profit and sell the product. Or you sell a product and from that you deduct all your costs and what… Read more
what is the best duration to invest in equity ?
Many people (sadly including CIOs of mutual funds and life insurance companies) think that 2-3 year schemes in equity makes sense. Hence a rash of close ended mutual fund schemes, and almost none doing well – except by a timing… Read more
How to choose right mutual fund?
MFs are no doubt a better option for new and risk-averse investors, who are not well-versed with the functioning of the stock markets. As most of us may be aware, an asset management company (AMC) or a MF house typically… Read more
10 steps to creating a good estate plan
1 Step #1 – Calculate Your Net Worth PeopleImages.com / Getty Images The very first step in building a good estate plan is to determine your net worth. It’s relatively easy to make a quick calculation of your net worth… Read more