From an overall perspective, the RBI’s reading of the situation sounds good: buoyant GDP growth and benign inflation The six wise men and women comprising the monetary policy committee (MPC)…
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What 2024 Holds For Debt MFs
There are expectations that Reserve Bank of India (RBI) will cut interest rates in 2024, following the US and Euro zone rate cycle reversal. Returns in debt funds come from…
With Low NPAs And Better Interest Rates, How Healthy Are Bank Deposits?
The answer depends on whether the lender is state-owned, private or an urban cooperative bank. Interest rates are at their peak in the current cycle and are poised to fall…
Rate trajectory. How loan interest rates are expected to move in 2024
RBI’s rate-hike cycle may turn into an easing cycle; there are expectations of rate cuts starting globally, in the U.S., eurozone and other economies, sometime in the first half of…
What You Should Know About Rate Cuts This Year
The market is positioning itself for the potential interest rate easing cycle in 2024. Yes, it is very likely. Here are a few aspects to give you a perspective on…
How Ulips Compare With MFs
It’s generally accepted that Ulips are not as investor-friendly as mutual funds. They allow no easy exit, and have relatively higher charges than MFs. It is a generally accepted notion…
Your Money: Rate Cuts Coming, But How Soon?
The median of the dots indicate 75 basis points (0.75%) rate cut in 2024 and further 100 basis points (1%) rate cut in 2025. The US FedERAL Reserve meeting…
Tax Smart. Generating Tax Efficiency In Systematic Withdrawal Plan
Depending on your requirements, you can try to modulate your systematic withdrawal plan amount in such a manner that the capital gains are within ₹1 lakh per financial year. Systematic…
The Utility Of “Factor Investing” In Building Your Equity Portfolio
The value factor tends to outperform when the market is recovering from a bear market phase. The success of a movie at the box office can be attributed to a…
Your Money: Don’t Fall For The Marketing Spiel
Each product has an USP, be sure it aligns with your investment needs. People usually do not buy good investment products, but buy stories and packaging. If the provider says…
What Investors Need To Do To Enhance Their Basic Fixed Income Returns
It is advisable to have a proper allocation to equity, fixed income and other asset categories. The most basic, and safe, returns on investments are those derived from liquid funds,…
Your Money | Rate Hikes Over With Inflation Easing
Lower interest rates help investment assets such as equity and bonds. In 2022, after the war between Russia and Ukraine broke out, there were supply chain disruptions. The combination led…