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Odisha chief minister Naveen Patnaik.
Anuj Puri, chairman, ANAROCK Property Consultants
Photo: iStock
Photo: iStock
Photo: iStock

When it’s okay to question your adviser

  • Quizzing your financial planner on a portfolio’s performance is fine but make sure you do the right return comparisons and have a fair expectation
  • Comparing short-term returns of direct equity investments to the portfolio that a planner has built is fallacious

The companies raised money for funding expansion plans, retiring debt, supporting working capital requirements and other general corporate purposes.
The companies raised money for funding expansion plans, retiring debt, supporting working capital requirements and other general corporate purposes.

Returns on my investments

  • A portfolio must have an ideal mix of financial products
  • Here's a look at how four commonly used asset types—equity, cash, gold and fixed income—have done in different periods

To open Tier II NPS account, the only pre-requisite is that the subscribers should have an active Tier I account.
Photo: iStock
The only low cost bank account is the salary savings account (zero balance account) that your employer opens for you. Photo: iStockphoto
Multi-asset funds, which have less than 65% allocation to equity, can be taxed like debt funds. Photo: iStockphoto
Multi-asset funds, which have less than 65% allocation to equity, can be taxed like debt funds. Photo: iStockphoto

Should you invest in multi-asset funds?

  • The category of multi-asset funds was created by Sebi in October 2017, however, it did not witness a great deal of interest until early 2020.

‘SBI Insta Saving Bank Account’ will offer complete paperless and instant digital savings account opening experience. (Mint)
ICICI Bank marginal cost of funds- based lending rate with effect from 1 August 2020. (Mint)
An annuity is an insurance product that pays out regular income after retirement. Photo by Pranab Gogoi/Mint
Just as they promise to pay more in case of a downgrade, some notes let companies lower coupons if their bond grades are raised.
Just as they promise to pay more in case of a downgrade, some notes let companies lower coupons if their bond grades are raised.

Worsening India Inc. health pushes bond buyers to tighten grip

  • Indian borrowers are trying to address investor concerns that businesses will deteriorate further
  • In July, 35 bonds with so-called credit rating protection metrics were sold, compared with just four a year earlier

The reduction will not apply on existing bonds.. Photo: iStockphoto
PPF allows one withdrawal every year, from the seventh financial year.Photo: iStock
How much money is enough to retire comfortably? (REUTERS)
Gold bonds: Redemption price is based on the then prevailing price of gold
Indexation considers the inflation from the time you invested in the asset till the time you sell it. (Bloomberg)
Exchange traded funds or ETFs are a popular form of passive investing (Photo: iStock)
Exchange traded funds or ETFs are a popular form of passive investing (Photo: iStock)

What is Exchange Traded Fund or ETF? How is it taxed?

  • ETFs can be of four types -- index ETF, gold ETF, sectoral or thematic ETF and international ETF
  • ETFs have a much lower expense ratio compared to mutual funds. They charge between 0.05% to 1% of the net asset value

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