What is mis-selling and how to safeguard yourself from it.
Mis-selling of financial products is becoming more and more rampant. While insurance policies may lead the pack in terms of wealth lost, there are many instances of mis-selling in mutual funds and even products like corporate bonds. Data from the insurance regulator IRDAI shows that over 60,000 complaints of unfair business practices were filed in
The risks of pitching your money in unregulated assets
Of late, investors, especially the younger ones, have got on to the bandwagon of making quick returns. For them investments like gold or equities are for the older generation. This isn’t to say they do not invest in those assets. However, their focus is on newer, more exotic investments which give higher returns, such as
Is investing in corporate bonds worth the risk?
Those wanting higher returns from debt investments can consider credit risk funds. These invest 80-85 percent of their portfolio in AAA and AA rated bonds, and the balance in A rated bonds. Corporate bonds are debt instruments issued by public sector or private companies. With volatile equity markets, many investors are enquiring about corporate bonds due
Keep calm, stay invested…this too shall pass
When markets decline and fear sets in, investors feel it is better to sell off investments and shift to cash, with the hope of getting back in when the market outlook feels more promising. After 29 years, the Nifty 50 has had the longest losing streak with a continuous correction over the last 5 months.
Union Budget 2025 | Where to deploy that extra funds in hand from income tax relief received
Instead of paying the EMI, if the individual decides to invest the Rs 45,000 in an equity mutual fund for 20 years – assuming an annual return of 12%, the corpus at the end of 20 years would be Rs 37.50 lakh. Budget 2025 has given a bonanza to the middle class in India by
How not to lose money in 2025
Social media or ‘finfluencer’ videos are the go-to information source for anybody wanting to make a quick buck. A recent study found that 72 per cent of stock recommendations given, from 2018 to 2022, by finfluencers with above 5,00,000 following ,failed to perform. The new year beckons. Market indices performed well in 2024 with midcap
Is your investment portfolio really underperforming? Don’t blame your advisor
‘My portfolio is underperforming. My advisor has not recommended the right funds, and I have had an opportunity loss,’ is often a common grouse of many investors. But is it really the case? Or could it be a case of wrong expectations? For instance, there are investors who are not willing to take risks but
Is Digital Gold Leasing a Good Option ?
With gold prices rising by above 30 per cent in the past year, the interest in gold investing has picked up significantly. With the lack of primary issues of the sovereign gold bond(SGB) and secondary market liquidity too being limited, investors are looking for other means of investing in gold financially. One such option being
Employee fraud or data leak? How a credit card holder got lured by an upgrade promise, and ways to protect yourself
The Bengaluru Police said on October 15 that it had arrested eight people, including a manager and three sales executives of Axis Bank in connection with a racket promising hefty returns through stock investments. This fraud is said to have occurred at the bank’s Nagarabhavi branch in West Bengaluru. Fraudulent transactions amounting to Rs 97 crore
A long bull run has made huge returns seem normal. Time to curb your enthusiasm.
“Earn ₹200 crore in 30 years through a ₹5,000 monthly SIP in a smallcap index,” screamed a video on social media. The video rather boldly based the calculations on the 30% annual returns of a Nifty Smallcap 250 index fund over the past five years. While such returns are attractive, they’re not sustainable. Here’s why. First, you