Navigating Tough Times in Stock Market
Greetings from PenguWIN: Most people dislike uncertainty and change. But resilience to these characteristics is what makes a successful investor in Stock Markets. Reminiscing couple of Buffets Quotes “The most important quality for an investor is temperament, not intellect. You need a temperament that neither derives great pleasure from being with the crowd or against the crowd. Successful investing takes time, discipline and patience. No matter how great the talent or effort, some things just...
Have you accounted for Lifestyle Inflation?
On analysing the portfolios of large number of investors, I find that that once they start their Systematic Investments (SIPs, STPs) to build a corpus, with or without specific goals, there is a tendency to feel that their personal finance is in place. Specifically, when SIPs are started in equity funds, investors feel that it’s the universal panacea for all their financial needs. Let me explain it further with an anecdote. Vikram, aged 25, is...
Debate on Debt MFs
Greetings from PenguWIN In this blog, I would like to compare and contrast Debt Mutual Funds and other traditional Fixed Income products. In my earlier note on decoding the jargons, I had briefly explained about Debt MFs which you might want to refresh before reading further. Like a commercial break, I would like to deviate a minute and mention about 2 of our new partners (more than 3 months old now) that we have tied...