Trading Aspirants

Mutual funds are meant to simplify the tasking of investing, but choosing the right one can itself intimidate many. Here's a primer to help you With so many categories of mutual funds, fund houses, and schemes available, choosing a mutual fund is not an easy task for many investors. The best way to begin is to decide on a method to narrow down on the right fund for you. Rarely do investors who do something else for a living employ a systematic checklist to evaluate a fund they are considering buying. Here is our blueprint for a structured approach to fund selection. There are five areas that you must evaluate to decide whether a particular fund is a good investment. Performance:  Performance comparisons must be used only to compare the same type of fund. They are meaningless otherwise. Only when used within the same category of funds do performance numbers tell you anything at all. By the time you reach the stage when you are comparing performance numbers of different funds, you sh...

For a sake, At the age of 36, you have already built all the foundational things required for investments. Fixed deposits, Post Office Saving Schemes and EPF are dominantly fixed income and are of the highest safety available in this country and hence, makes for a good foundation. Since you are 36 now, you still have a couple of years before you retire at 58, 60 or 62, depending on where you work or till when you can work. If for this duration you keep investing about Rs 2 lakh a year in NPS without touching it, then your retirement should be taken care of. For buying a house in three years, check a few things. First, you should buy a house that will help you save on the rent. So, if you are living in rented accommodation, then you should think in terms of buying a house that will immediately or in a defined period should be able to help you save on the rental outflow. Secondly, you should have your down payment to an extent that EMI is not exceeding a third of your income. If these tw...

When the future appears bleak, the past provides hope. And the markets have recovered from every past crisis The coronavirus outbreak is an unprecedented human crisis, the effects of which are being felt around the world. Not only have the stock markets around the world corrected in anticipation of material business disruption, but life itself has virtually come to a standstill. Governments around the world have announced relief measures, with massive spending lined up. Entire countries have been locked out. The United Nations secretary general Antonio Guterres has called COVID-19 the worst crisis since the Second World War. Amid such a situation, it's normal for investors to panic and look for a solution. In the month ending March 2020, the Sensex fell 23 per cent, reaching levels last seen in 2016. Though it has seen some recovery since, its daily swings have resembled those of some mercurial small cap. And our leading market index is not alone. Even the S&P 500, which compri...