Deepesh Raghaw

Is NPS Vatsalya retirement scheme for your child too far-fetched an idea?

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

Choice of momentum factor index should depend on performance in downturns

An index with less volatility during downturns can help you remain invested

Taking stock: What you should know before investing in equal-weight indices

No single stock can heavily influence overall performance of such indices, leading to more diversified industry exposure

How to strike a balance between investment expectation and financial goal

Investors must manage their biases and decide what is the right size for each of their positions in a portfolio

How to declutter your portfolio and reduce the number of mutual funds

A portfolio with too many funds is difficult to manage and it makes decision-making tough

Small investments make market sense: Strategy to build corpus steadily

An asset-allocation approach will help you in not taking an outsize risk

Sequence of returns' big impact on final corpus

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

NPS vs mutual funds: The better choice to set up your retirement corpus

You cannot exit before age 60 but that is not necessarily a disadvantage

There are rewards for investors who are averse to taking market risk

They don't have to put their money in equity trade and yet build a corpus for their financial goals

What to do, what to avoid in your first equity mutual fund investment

A conservative approach, diversified portfolio and don't be discouraged by setbacks in the market

Deferred annuity plans need caution in investment to avoid mis-selling

Before falling for the promised return, consider the principle of time value of money

Set objective rules for equity market re-entry

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

Index funds by life insurers vs mutual funds: What's a better deal

To invest in a small-cap index fund of a life insurance company, a customer will need to invest in a ULIP

Terms, bonus, sum assured: Making sense of life insurance policies

Insurers' products are complex; investors must have a rational expectation about the returns they will get

Asset allocation to funds: Factors that shape portfolio performance

A rule-based approach in mutual fund investments will protect you from disappointment

PPF vs SSY: Where should you invest for your daughter's education?

While Sukanya Samriddhi Yojana offers a higher interest rate, PPF can be continued for a longer tenure and offers greater flexibility after 15 years

Real estate or stock market: Make investment decision based on conviction

Stick to asset class you are confident about and are certain that you stay with them for the long term

New and old: How two tax regimes work for home loan interest benefit

You can benefit under the new tax regime but there are a few caveats

Build diversified portfolio, don't chase the mirage of safe equity fund

There are three approaches investors may take as they decide their asset allocations

Mixing investment and insurance: Finding the right balance for your needs

Age, returns and security are some factors you must consider before your purchase a plan