Menu Sidebar
Menu
Shruti Arora

Shruti Arora

I am a CERTIFIED FINANCIAL PLANNER & have worked at Banking and Non-banking Financial Companies.

What Is Your Risk Appetite?

In earlier posts, I have mentioned time & again that one of the main factors on which your investment decision should be based upon is your risk profile. In this post I will help you understand how you can determine your risk appetite.

Investing is managing and improving your personal finances. Since it’s personal finance we are talking about here, understanding yourself and your situation will help you invest your money in a manner that works best for you.

Before you start searching for the best investment options, it’s important to understand your own risk profile otherwise you might jeopardize your goals.

This means that understanding your risk appetite is an important step, without which you might find yourself over or under exposed to risk. If you are not comfortable with the risk level of your investment you will keep acting impulsively and fail to achieve your goals. Read More

How To Invest In a Bull Market

The term bull market is derived from the way the animal attacks its enemy. A bull would mainly use a forward, upward motion to thrust its horns against its target; the same motion the market prices move during this type of market phase.

Sensex and Nifty are reaching new highs. This means that we are currently in a bull market phase. Bull market is a timespan when there are extended periods of stock market gains.

Surely, a bull market can only  be a great thing for an investor, right? This is the time when rallies become routine and one earns high returns on investment. But the only catch is that the investor should know what to do in this situation.

Below are some things one needs to keep in mind if they want to make most of the bull market. Read More

The Mistaken Allure of Index Funds

Index funds are the norm and the “thing” in the US for quite some time now. They are  considered the best and easiest form of investment.

But fortunately or unfortunately India is a different ball game all together. This means that the much loved index funds are not the best investment strategy for Indians, at least for the foreseeable future. Let’s understand why.

What are Index Funds?

Index Funds are a passive form of investing. Index fund’s main objective is to generate return in-line with its benchmark. They are basically a no-brainer fund, as they just mimic the benchmark portfolio.

For example, a fund tracking the Nifty 50 Index will buy the same 50 stocks and in the same proportion as represented in the Nifty Index. Also, in case of any changes like replacement of one stock with another in Nifty 50, the index fund will undergo the same changes. Read More

What is a Systematic Withdrawal Plan?

Are you planning to take a sabbatical from work? Or maybe you are thinking of quitting your full-time job to start something of your own? Or maybe retirement is just around the corner? Then obviously your main concern right now will be to replace that steady and regular income inflow so that your budget and finances don’t go haywire.

Don’t fret, there is a perfect readymade solution for all your regular cash flow worries, called the Systematic Withdrawal Plan. Read More

How To Invest a Lump Sum Amount

So, you won the lottery? Congrats!
Or a great-uncle left you a sizable inheritance?
Or you sold an ancestral property?

For many people this sudden increase in wealth causes more problems than comfort. This is because after receiving huge windfalls, people either get confused as to what to do with this money, or worse they form bad spending habits and lose a valuable opportunity to straighten and strengthen their finances.

In this post I would be sharing a step by step guide of managing and investing a lumpsum amount so that this good fortune remains just that.

Here we go : Read More

Newer Posts
Older Posts

Riches Await

Investment principles, strategies & discipline

Subscribe via Email

Enter your email address to subscribe to this blog and receive notifications of new posts by email.

© 2024 Riches Await | Investment principles, strategies & discipline