Top Section
Explore Business Standard
Top Section
Explore Business Standard
Don’t miss the latest developments in business and finance.
 "Deepesh Raghaw")
Deepesh Raghaw is a Sebi-Registered Investment Advisor and Founder of PersonalFinancePlan.in. Deepesh is an alumnus of IIM Lucknow and Indian Institute of Information Technology, Allahabad. Deepesh has cleared all three levels of Chartered Financial Analyst program from the CFA Institute USA.
While the scheme allows you to plan for your child's retirement well after you may be gone, you should focus first on your retirement and kids' education
An index with less volatility during downturns can help you remain invested
No single stock can heavily influence overall performance of such indices, leading to more diversified industry exposure
Investors must manage their biases and decide what is the right size for each of their positions in a portfolio
A portfolio with too many funds is difficult to manage and it makes decision-making tough
An asset-allocation approach will help you in not taking an outsize risk
Sequence of returns can dramatically affect the longevity of a retirement corpus, especially if retirees have to withdraw more during market downturns early in their retirement
You cannot exit before age 60 but that is not necessarily a disadvantage
They don't have to put their money in equity trade and yet build a corpus for their financial goals
A conservative approach, diversified portfolio and don't be discouraged by setbacks in the market
Before falling for the promised return, consider the principle of time value of money
Before selling, outline a clear, objective reinvestment strategy. Set specific triggers for buying back, such as a particular market level or a 5-10% correction
To invest in a small-cap index fund of a life insurance company, a customer will need to invest in a ULIP
Insurers' products are complex; investors must have a rational expectation about the returns they will get
A rule-based approach in mutual fund investments will protect you from disappointment
While Sukanya Samriddhi Yojana offers a higher interest rate, PPF can be continued for a longer tenure and offers greater flexibility after 15 years
Stick to asset class you are confident about and are certain that you stay with them for the long term
You can benefit under the new tax regime but there are a few caveats
There are three approaches investors may take as they decide their asset allocations
Age, returns and security are some factors you must consider before your purchase a plan
