#WhatTheFinance – What is a Balanced Investment Portfolio?

A Balanced Investment Portfolio is a selection of investments that is capable of both providing growth as well as mitigating risks. I promise you that figuring out a balanced portfolio (so important) isn’t as boring as you think it might be. 

Let’s begin at the very beginning. Your investment portfolio comprises all the investments that you possess or that you have made in your name thus far. I’m not talking just about shares – it can be Fixed Deposits, it can be Bonds, it can be Gold, it can be real estate. Essentially, anything and everything that you’ve set aside for retirement, a specific goal like a house or car, or a rainy day. Now that we know what a portfolio is, let’s get into risk, which is crucial for understanding how to get a Balanced Investment Portfolio.’ Read More

Here’s Why You Should Know How To Calculate Return On Investment

Note: This post was edited on January 12th 2018 because the graphic showing return on investment for 8 months was wrong, as pointed out by commenter NMK. I try very hard to avoid mistakes, but shit happens! Always grateful to readers who point it out. I’ll also ensure that it doesn’t happen again. Check, double check, triple check! Thank you.  Read More

#WhatTheFinance – What Are Mutual Funds?

In my previous post, I had written that I would write about calculating returns on Mutual Funds. However, I got comments asking for a basic guide to Mutual Funds, so I guess it would make more sense to talk about what Mutual Funds are, in greater detail, before I talked about calculating returns. I wrote a guide to Mutual Funds as part of my Rupee Rani  column, and I wanted to consolidate them, initially, but changed my mind. An overdose of information is likely to cause more confusion than provide clarity. Instead, I have broken down my guide to short posts, which I hope will be more clear. Read More

I Invested In An SIP Mutual Fund For 22 Months And Here’s What Happened

Why SIP Mutual Funds?

About two years ago, I began investing a portion of my salary into an SIP Mutual Fund. I chose to invest in an SIP Mutual Fund for two reasons – the first reason was that I was investing for the long term, and so, I could take on a greater amount of risk. The second reason was that SIPs allowed me to make small investments every month, as opposed to a large one time investment (which I didn’t have the money for). I’ve been paying out instalments for 22 months now, and I thought I’d share how it’s working out for me so far. Read More