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Shruti Arora

Shruti Arora

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

Investment Mistakes To Avoid (Part 3: After Investing)

Part Three Of A 3-Part Series

This is the third and final post in the 3-part investment mistakes to avoid series. As I mentioned earlier I have divided the entire investment journey into 3 stages:

  • Initial Stage (Before Investing) – where you have not yet started any investment process.
  • Second Stage (While Investing) – where you decide and select suitable investments in order to build a solid portfolio.
  • Final Stage (After Investing) – where you have built your portfolio and are looking forward to financial freedom.

I have already covered the first two stages in Part 1 and Part 2. Let’s discuss the last stage of investment journey in this post Read More

Investment Mistakes To Avoid (Part 2: While Investing)

Part Two of a 3-Part Series.

As discussed in Part 1 of this series, I will be covering common investment mistakes made during different stages of the investment journey. I have divided the investment planning journey into three different stages:

  • Initial Stage (Before Investing) – where you have not yet started any investment process.
  • Second Stage (While Investing) – where you decide and select suitable investments in order to build a solid portfolio.
  • Final Stage (After Investing) – where you have built your portfolio and are looking forward to financial freedom.

In this post lets talk about the next stage of investment journey.

Stage 2 – While Investing

If the first stage can be called the the thinking stage, this second stage should be the doing stage. While mistakes in the first stage are more psychological in nature, the mistakes in this stage are more practical nature.
Lets find out what these avoidable mistakes are: Read More

Investment Mistakes To Avoid (Part 1: Before Investing)

Part One of a 3-part series.

Investment planning is a long and thorough journey. Almost everyone makes mistakes during different stages of this journey, whether due to wrong judgment, ignorance or carelessness. Even a seemingly small error can have a drastic impact on your financial life.
This post will help you identify and avoid some of the commonly made investment mistakes. I have covered 3 different stages of investment planning journey:

  • Initial stage – where you have not yet started any investment process.
  • Second stage – where you decide and select suitable investments in order to build a solid portfolio.
  • Final stage – where you have built your portfolio and are looking forward to financial freedom.

Read More

What is a Hybrid Mutual Fund?

One of the best things about mutual funds is that there are so many different kinds that everyone can find a suitable mode of investment.

hybrid mutual fundsNo matter what your goals are or what your risk profile is, you can invest easy & make a sound portfolio. In earlier posts I have explained about 3 different kinds of mutual funds: Debt Funds, Equity Linked Savings Scheme Funds (ELSS) & Closed End Funds. In this post I will explain yet another fund category called Hybrid Fund.

There are basically three kinds of investors in the market:

  1. Aggressive
    This kind is a complete risk taker. They are willing to take high risks for earning high returns.
  2. Conservative
    This kind is totally risk-averse. They are more interested in capital safety than earning higher returns.
  3. Moderate
    They fall somewhere in between i.e. neither too aggressive nor too conservative. They are willing to take some risk but not a lot of it.

Now, suitable investment options for both aggressive and conservative type of investor is pretty straight forward. Aggressive kind will opt for 100% equity exposure, and conservative types will go for 100% debt exposure.

But what if you fall under the moderate investors category? In other words, those investors who want exposure to both equity and debt funds, so that they can gain good returns with less risk? Well worry not, there is a perfect ready-made solution for you available in the form of Hybrid Mutual Funds. Read More

Debunked #2: Gold Is The Best Investment Option

Second post in my investing myths debunked series. The following pertains to physical gold in the form of jewellery or bullion.

The myth that gold is the best and safest investment option is deep-rooted and hard to override. It is tough to convince people otherwise in a gold obsessed nation like India.

Indians are just too fond of their gold. India is in fact the biggest consumer of gold. So much so, that it is a sure bet to say that gold in one form or another – be it jewellery or coins or bars – can be found in each and every household of India.

In India, there are 2 main reasons for buying gold: Read More

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