The percentage of older population (65 years and above) in India’s total population will rise to 13.8% by 2050, according to the UN World Population Ageing 2019 Report (page 46). These figures point out the importance of planning for the post-retirement years well before its onset...Read More

In our previous article on retirement planning, Retirement Planning: Accumulation Phase, we discussed that there are three phases of retirement planning – Accumulation, Transition and Distribution. The accumulation phase begins when you start your working life and continues till the mid stage of your career. The transition...Read More

FY 2024-25 will be the third full fiscal year since India’s economic recovery began after the COVID-19 pandemic. Continuing on strong GDP growth trajectory of FY 22-23 (7% GDP growth1) and FY 23-24 (8.2% GDP growth1), the Reserve Bank of India has forecasted India’s real GDP to grow at 6.5% in FY 24-25 (source...Read More

Retirement is inevitable phase of life especially for salaried investors. After your retirement, you may not have any income from your profession but you will still have expenses that have to be met from your accumulated savings. Therefore in your working years, you need to save and accumulate a sufficiently large...Read More

Since time immemorial, investors have been drawn to the glitter of gold as an asset. Gold has long been regarded as a stable and dependable investment option that has weathered economic cycles. This precious metal is more than just an ornament or a cultural symbol. It serves as a safe haven during economic slowdown, a...Read More

Volatility refers to fluctuation of stock prices and is an intrinsic characteristic of equity as an asset class. Volatility is inevitable and unavoidable if you are investing in equities. The chart below shows the Nifty 50 Total Return Index values over the last 5 years (ending 31st August 2024). You can see that even though the market...Read More

Investor awareness is essentially an informed perspective on markets and investments. Awareness helps you to create wealth and protect your financial interests. Every year in the month of October, IOSCO (a global association of market regulators) runs a global campaign to encourage investor protection and...Read More

In our previous article, Steps to achieve financial independence at a desired age, we discussed that financial independence should be one of the most important goals in our life. Disciplined investments in mutual funds have the potential of creating wealth for you over sufficiently long investment horizon...Read More

We need income or cash-flows to pay for our expenses, regular or unplanned. Our regular expenses include food, rent / EMI, utilities, school fees, transportation etc. Unplanned expenses can be those related to medical emergencies, repairs, replacing assets etc. How do we pay for these expenses? Salaried...Read More

The stock market is at record high despite the dip seen on the election results day. Yet many investors are worried. When the market is at its high, some investors get concerned about valuations. Some investors are worried about Foreign Institutional Investors selling. Some investors may be worried about...Read More