Personal Finance Blog - Mymoneysage

What is side pocketing and how does it affect Mutual funds?

January 16, 2019 | by KishorKumar Balpalli | Advisor Zone, Financial Planning, Investment Advisor, Investment Planning, Mutual Fund

Read this article to understand how side pocketing can impact your mutual fund investments, Market regulator SEBI recently allowed debt mutual funds to “side pocket” stressed assets. This will enable them to separate bad and illiquid assets from the rest of the portfolio. It is then possible to trade the liquid assets at a separate Read more...
Should we time the market while investing in mutual funds?

January 8, 2019 | by KishorKumar Balpalli | Advisor Zone, Financial Planning, Investment Advisor, Investment Planning, Mutual Fund

If you think timing the markets will give you more returns, there is a fair chance that you might be wrong. It isn’t easy to make money by timing the markets. Investors who try to time the markets usually lose out because of timing errors. You need to do research and invest with discipline and Read more...
Asset Allocation: The key to your financial success

January 2, 2019 | by KishorKumar Balpalli | Advisor Zone, Financial Planning, Investment Planning, Mutual Fund, Personal Finance

If you believe that it’s the security or fund selection that is crucial to your financial success, you might be in for a surprise! Asset allocation provides stable risk-adjusted returns. If you get your asset allocation right, your portfolio will take care of itself. Most people search for the best mutual funds and try to Read more...
How P/E and market cap-to-GDP ratios can help you in investing

December 31, 2018 | by Research Desk | Advisor Zone, Financial Planning, Investment Advisor, Investment Planning, Mutual Fund, Personal Finance

P/E and market cap-to-GDP ratios can be excellent indicators that you can rely on while investing in equities. Investors can use the price-to-earnings (P/E), and the market cap-to-GDP to make sense of market valuations. The market or index P/E ratio helps investors to determine whether it’s the right time to invest or exit. The market Read more...
How to reduce the number of mutual funds in your portfolio

December 28, 2018 | by KishorKumar Balpalli | Advisor Zone, Insurance Planning, Investment Advisor, Investment Planning, Mutual Fund

Like most investors, if your MF portfolio is overcrowded, read this to find out how you can cut down on the number of Mutual Funds. Many of us invest in mutual funds that are popular at different points in time. We end up with too many mutual funds of various types. Many mutual funds have Read more...
Best ways to invest a lump sum for your child’s future

December 24, 2018 | by Research Desk | Advisor Zone, Financial Planning, Investment Advisor, Investment Planning, Mutual Fund, Personal Finance

If you are a parent looking to make a lump sum investment to build a corpus for your child’s future, this is a must read for you. A lump sum investment can help you to achieve your child’s long-term goals. Once you have invested a sizeable amount, you can relax and let compounding do the Read more...
Best mutual fund schemes that generate regular income

December 19, 2018 | by Research Desk | Advisor Zone, Financial Planning, Investment Advisor, Investment Planning, Mutual Fund

If you are looking to generate monthly or regular income, then this is a must read for you. People who need a regular income look for safe options like bank fixed deposits. However, taxes and inflation reduce the purchasing power of their monthly income. Retirees may find it hard to make ends meet. They could Read more...
Can I switch regular plan of an ELSS fund to direct plan?

December 14, 2018 | by Research Desk | Advisor Zone, Investment Advisor, Investment Planning, Mutual Fund

IF you are looking to switch your ELSS MF units from Regular to Direct plan, here is what you should know… ELSS mutual funds have a mandatory lock-in period of 3 years. You can switch from the regular plan of an ELSS mutual fund to the direct plan after the lock-in period of 3 years. Read more...
Should you invest in Company Fixed Deposits – Corporate FDs?

November 12, 2018 | by Research Desk | Advisor Zone, Financial Planning, Fixed Income, Investment Planning, Personal Finance, Tax Planning

Here is all you should know before investing in a Company – Corporate Fixed Deposits… If you are fixed deposit investor, I am sure you will look for the Bank that offers the highest interest rate, an alternative to Bank FD is company fixed deposits or corporate fixed deposits. Company fixed deposits provide higher interest rates than Read more...
9 Mutual Fund investing myths busted

October 31, 2018 | by Research Desk | Financial Planning, Investment Advisor, Investment Planning, Mutual Fund, Retirement Planning, Small Savings, Tax Planning

Here is a list of Mutual Fund myths that you should be aware of… Very few people realize that investing in mutual funds for the long term is one of the smartest and safest ways of building wealth. Commonsense, discipline and patience are all you need to create a large corpus by investing in mutual Read more...

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