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In Wealth Management

Focusing on Risk, Not Just Returns

2 Mins Read

The Secret to Long-Term Investment Success: Focusing on Risk, Not Just ReturnsWhen building an investment portfolio, many focus solely on maximizing returns. But here’s the truth: risk is more important than returns in achieving long-term success.Why? Because risk is something you can control, while returns are unpredictable. Unfortunately, many investors tend to chase high returns in a bull market and panic about risk in a bear market. But seasoned investors, like Warren Buffett, take the opposite approach:“Be…

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In Wealth Management

Should you invest in long-duration debt funds now?

3 Mins Read

India’s 1-year G-Sec is trading at 6.75% and 10-year G-sec yields 6.85%. The difference is only 0.10%.5-year G-sec is trading at 6.76%—almost at the same level as 1-year G-sec. This indicates that the yield curve is flat.There is a peculiar situation here. Usually, as the duration of any debt security increases (from the same issuer, in this case, it is GOI), the yield also goes up. Because an investor would want a premium for an investment that…

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In Wealth Management

Can you suffer losses in real estate investments?

3 Mins Read

Real Estate investment never leads to losses. I have heard this from many investors. Is it true?Generally, people look at losses with reference to their initial purchase price. If the investment is sold below the purchase price, it is a loss. If the investment is sold above the purchase price, it is a gain.So, when real estate prices go down, people tend to hold on to their investments and don’t sell them. This gives them…

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In Wealth Management

To use or not to use LinkedIn AI writing tool

2 Mins Read

Yes, why not? But Alas! I can not set up a BLUETOOTH connection between ‘My mind & the AI tool’. Else, I would have let both of them connect directly to ideate, brainstorm, structure, and proof-read the content. Would have been so much time-saving! Even the official LinkedIn website page says…” Don’t ask the tool to come up with ideas for you or help you brainstorm” And also, “Provide specific and detailed information on what you…

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In Wealth Management

Do you want an honest opinion or flattery?

2 Mins Read

A friend who shares her honest opinion with you is more valuable than a friend who agrees with everything that pleases you.We met a prospective client a few days ago and enlightened him about our 0% commission, conflict-free advisory model. The client deals with a wealth manager from a reputed bank. In a display of confidence, he told us how he does thorough due diligence before purchasing a product and does not completely rely upon the recommendations…

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In Wealth Management

Let a million RIAs bloom

2 Mins Read

“I started investing because you gave me the confidence. Thank you!”This was told by one of my HNI clients who is a single mother of two young daughters. She is a part of senior management at an MNC and earns very well but has never invested other than in FDs and LICs.She wanted to secure her and her daughter’s future and wanted to invest for the same. She never invested in mutual funds because she…

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In Wealth Management

Budget impact on Investments

2 Mins Read

Here is what we are doing to efficiently manage investments after accounting for the budget changes.The Positive impacts: – Investments in Gold funds qualify for LTCG (Long Term Capital Gain) at 12.5% after 2 years of holding. Gold is an important asset class in a globally uncertain environment and should have a 10-15% portfolio allocation.- International investments through mutual funds also qualify for LTCG at 12.5% after 2 years of holding. This is a big relief for…

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In Wealth Management

The case for investing in US and Japanese equity markets. How should investors position their global portfolios?

3 Mins Read

The S&P 500 has reached record highs this year, while Japan’s Nikkei 225 index has climbed to its highest levels in three decades. Despite global uncertainties, the US and Japanese stock markets have been thriving. Through this article, let us understand the factors behind the rally and the outlook for these markets. So, what’s driving the new peaks? US Market Monetary & fiscal easing led to a lot of demand resulting in higher corporate earnings…

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