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In a previous blog of 31-Aug-22 we had highlighted the significant advantages a prudent investor could have in taking a position in debt mutual funds over fixed deposits/bonds of a similar risk. The dual advantage of (i) claiming indexation benefits under long term capital gain (LTCG) and (ii) the avoidance of accrual of tax and delaying it […]

With Siddharth Kapoor – CBSE Class XI student, Delhi Public School, Gautam Buddh Nagar, Delhi. In a previous blog titled Sovereign Gold Bonds : 28-Feb-21, we have highlighted the key advantages of Sovereign Gold Bonds (SGB). We have argued that with the exception of secondary market liquidity, SGB is a superior form of holding gold. In the table

SEBI on 03-Feb-23 released a consultation paper on direct plans for schemes of Alternative Investment Funds (AIFs) and trail model for distribution commission in AIFs. The objective of the consultation paper was to seek feedback from all stake holders on (i) mandating direct plans for schemes of AIFs and (ii) introduction of trail model for

We have recently introduced the Aroha App in both Playstore for Android devices and Appstore for Apple devices. With the Aroha App, clients can view their holdings on the go with a one day lag. While we have used(and continue to use) MFUtility for transactions in mutual funds, we have also introduced a new routing

In support of the cyber security awareness campaign notice of 19-May-22 from the regulator, a fellow Registered Investment Adviser was kind enough to share below a list of useful links to make you more aware of cyber security issues in general. Information Communication Technology Operating System, Antivirus & Application software Application software Internet Services Mobile

Debt investors in India predominantly invest in sovereign bonds, bank and corporate fixed deposits. Citing safety, investors flock towards these fixed income instruments. No doubt, sovereign, high rated bank, NBFC and corporate fixed deposits or bonds are preferable for investors below the taxable threshold. However, for investors in the highest tax bracket the significant impact

In the previous month we had blogged on the fallacy of using a simple arithmetic sum as a method to calculate the total cost of a term life policy. We discussed the importance of discounting future cash flows in estimating cost of term life policies. Another important factor while choosing an insurer is to understand

with Sahil Chhabria – A level graduate, Vidyashilp Academy, Bangalore Term life insurance policy:Term life insurance provides life insurance coverage for a specified term. Term life insurance lasts for a specific time period – this is called the term of the policy. The policy holder pays premiums (annually or monthly) to the insurance company during the term

Our composite portfolio is the sum total of all individual client portfolio values and our composite highwater mark is the sum total of all individual client high water marks. We have explained the concept of a highwater mark in a blog – High watermarking : 28-Feb-17. The performance being reported is a time weighted return (TWRR)

It is said that a retiring individual would require a corpus of about 30X one’s annual expense. This useful rule of thumb, however presents an innocuous picture of a complex problem that has multiple assumptions and constraints. Solving the problem of retirement is essentially establishing a corpus that needs to be built so that the