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Tag: invest

Just saving won’t cut it, invest

Just saving won’t cut it, invest

Finance
Author: Ajit Narasimhan, Chief Marketing OfficerSaving is a habit we're taught at a very young age. In fact, in India, there has been such an emphasis on saving, that a typical household saves between 20-30% of their income each month. But today, savings just aren't enough. There are two reasons why: Consumption has increased at such a rapid pace over the years that we tend to aspire for more. With the advent of plastic money, we have subconsciously started dipping into savings. The rate at which savings grows is insufficient to meet our needs, and even our wants presently. In the future, these things we aspire for will cost even more because of inflation. With inflation in the picture and savings whittling away little by little, how can we secure our financial future? When and ho...
Only three days left to invest in ELSS to claim 80C benefit for FY 19-20

Only three days left to invest in ELSS to claim 80C benefit for FY 19-20

Finance
Most taxpayers remember March 31 as the last day to make tax-saving investments to claim benefits under Section 80C, 80D, 80G and so on. However, this year is different. Due to the disruptions caused by the pandemic in the lives of ordinary individuals, the government has extended the last date to make tax-saving investments to claim tax benefits for the last financial year FY 2019-20. Last month, the central government extended the deadline once again to July 31 from June 30. That means you hardly have two days left to finish your investments. Well, if you have streamlined your finances and ready to make those investments, let us move forward. What if you are still not sure about your finances and thinking of letting go of the tax benefits for the last financial year, here is a way out....
ETMarkets Survey: How to invest Rs 1 lakh in a Covid19-hit market

ETMarkets Survey: How to invest Rs 1 lakh in a Covid19-hit market

Finance
Volatility in equity market throws up opportunities to rejig portfolios and pick up quality stocks. But with a very uncertain outlook for the economy, should you still remain heavy on equities? You should. In fact, depending on your risk appetite, you may still put over half of your wealth into equities. That’s the view of an overwhelming majority of brokerages that took part in an ETMarkets.com survey last week. Analysts at eight top brokerages advised investors to put at least 50-60 per cent of wealth in equities, 20-30 per cent in fixed income and the rest in gold. Three analysts -- Naveen Kulkarni, Chief Investment Officer, Axis Securities, Deepak Jasani, Head of Retail Research, HDFC Securities and Vinod Nair, Head of Research, Geojit Financial Services – suggested a similar portfolio
New debt ETF proposed in Budget 2020; should you invest?

New debt ETF proposed in Budget 2020; should you invest?

Finance
The Finance Minister proposed to deepen the bond market in budget 2020 speech. Nirmala Sitharaman in her speech today announced to float a new debt ETF comprising primarily of government securities. She said the first bond ETF launched recently was a great success. “Debt-based exchange traded fund (ETF) recently put out by the government was a big success. Government proposes to extend this by floating a new debt ETF consisting primarily of government securities. This will give retail investor access to government security as much as giving an attractive investment for pension funds and long-term investors,” the Finance Minister said in her budget speech. The cabinet gave the approval to launch Bharat Bond Exchange Traded Fund or Bharat Bond ETF in December 2019. Bharat Bond ETF was the fi
Here’s how much financial advisors should invest in alternatives to make a difference

Here’s how much financial advisors should invest in alternatives to make a difference

Finance
Oliver Furrer | Cultura | Getty ImagesYou don't have to be a hedge fund guru to discuss alternative investments with your clients, yet it doesn't hurt to get educated.It's no secret that portfolio diversification protects investors from the whims of the stock market, blunting the volatility you get in equities by including an allocation toward fixed income.Unfortunately, bonds and equities don't always move in different directions.Investors in target-date retirement funds learned that the hard way in 2008, when some portfolios held risky high-yield bonds in their fixed income allocations and experienced massive losses.That's where alternative investments — primarily liquid alternatives — enter the mix."The primary role of liquid alternatives in a portfolio is to provide an opportunity to d