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Risk reduction is achieved by exposing the portfolio with a wide variety of instruments and is called diversification. Most times diversification is achieved by employing multiple asset classes with limited correlation. The less correlated they are, the better is the diversification. This allows the portfolio to perform in a consistent way than the undiversified or

Children’s education has always remained an important need, also an emotional one, at times taking top priority amongst all other needs. Many-a-times, it features above their own retirement needs. The price of better education is high and when the aspirations of the parents to ensure the best of the possibilities for their children then the

Arth-Samvaad: Monthly Market Commentary – May ’22 “It’s a paradox of our time that the path to radical progress begins with moderation. Extreme optimism and fatalistic pessimism may seem to be stark opposites but they both end in apathy. If things were sure to improve or bound to collapse, then our actions wouldn’t matter one

Of late we’ve been seeing some very stark figures on the inflation and especially in the west, it has surpassed the 3 to 4 decadal highs. This has triggered the fear of triple R i.e., recession, rates (increasing) and real income. The initial supply chain disruptions post-pandemic has created the trade imbalances spiking the prices.

The National Pension Scheme (NPS) was initiated by the Govt. of India as a voluntary retirement savings option to enable the citizens an easy and convenient way to provide themselves for the sunset years. This is a contributory pension scheme for the subscribers under the Pension Fund Regulatory and Development Authority (PFRDA) which operates under

The world is aging and according to the UN, for the first time in history, there are more grandparents and elders in the world than young children. Per the data of ’18, the number those of over 65 has surpassed that of under 5’s. In the US, those over 65 outnumber those under 15 by

In the Hindu epistemology, the change in time is characterized by yuga, each considers a few lakhs of years to complete. It kind of measures the age of humankind where the belief is that it also sets the entire physical world to collapse and recreate or rebirth into a new order. It’s a cycle that

Arth-Samvaad – Apr ’22 – Monthly Market Commentary “Economics is the science of choice (the same seems true of geopolitics, although there’s even less science regarding that realm). Few options in these fields offer only positives and no negatives. Most entail trade-offs.” ~ Howard Marks.It’s been a month since the Russian ‘special military operation’ in

While investing for a financial plan or otherwise, for investors, a mutual fund (MF) portfolio assists in providing a great way of diversification, asset allocation and create a good foundation. MF are an easy and convenient way building a portfolio which is professionally managed, high on liquidity and actively adjusted to the market scenario. But

Mutual Funds (MF) are possibly the most economical and convenient way to explore investment. Be it active or passive management, the choice is galore through MF in India. From about 44 fund houses we have over two thousand and five hundred schemes to choose from. It’s difficult if not impossible to identify which fund to

The equity markets have been in a huge roil in the last few weeks, of course, same is the case with most asset prices. The recent green shoots in the economic activity limping from the pandemic induced shocks (initially demand and then the supply) have been stunted due to the evolving geo-political environment. The Russian-Ukraine

“Forecasting the future of any variable is difficult, forecasting the interacting futures of many changing variables is more difficult and estimating how other expert investors will interpret such complex changes is extraordinarily difficult.” ~ Charles Ellis In our last month’s commentary we’d opined that the FM had budgeted a higher borrowing calendar and also the

The last few years has witnessed a sea-change in the market dynamics. This has been a common thread across the geographies. The stock indices have remained skewed and concentrated as very few players occupied larger share. The pareto principle started to play out in the stock markets, and it was turning increasingly difficult to outperform

This article was originally published on 21st March ‘2022 in “The Hans India” daily. There has been an innumerable research suggesting that investment success lies in the investor behavior than the analysis. Still, most of us try to spend enormous time in trying to figure out what is happening in the market, analyzing news about

Gold was always considered as a safe investment by many investors, firstly being traditionally seen as a store of value irrespective of the economic cycles and secondly due to the perceived intrinsic value associated with the yellow metal. It has remained a precious commodity in the recorded human history and captivated human imagination due to

The recent budget announcement has put forth clarity over the expectations into the coming financial year. The budget has remained consistent and continued the baton from the previous few years. There were neither great new announcements nor any negative surprises and it stuck to the theme of development at large while making investments to the

“If bubbles contain a misconception, as they always do, then it can’t be maintained forever.” ~ George Soros Last month was a wakeup call for all asset classes on what inflation and its reaction (interest rate hikes) would mean. Equities to cryptos to bonds all had a volatile period especially during the second half of

When investing in equities, we tend to agree mutual funds (MF) are a great avenue to explore especially for those who either don’t have much knowledge or time to spare in researching about which stocks to pick, etc. The greater risk in equity investing is the other than picking the right stock is the concentration