Why Smart Investors Always Include Debt Assets in Their Portfolio?
Grow Your Gullak – Your Personal Finance Guide
by Ashish Naresh Kumar
9M ago
The main issue arises during market crashes and long downtrends in the equity market. Debt assets work as a low-risk foundation for your portfolio and keep a certain part of your investments safe. Debt assets also reduce your losses if in any case, you have to withdraw your money even if it is at a low value. It also reduces the volatility in your portfolio reducing the stress you may experience due to ups and downs in your portfolio ..read more
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How to Plan for Retirement?
Grow Your Gullak – Your Personal Finance Guide
by Ashish Naresh Kumar
2y ago
In the simplest terms, retirement planning includes three steps, first is calculating your total post-retirement expenses. Next based on your post-retirement investment plan you can calculate the corpus you need at the time of retirement to fulfill your post-retirement expenses. Once you have determined your retirement corpus you can make an investment plan to achieve this corpus ..read more
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How to Plan For a Financial Goal? (Using Excel)
Grow Your Gullak – Your Personal Finance Guide
by Ashish Naresh Kumar
3y ago
I have not addressed the issue of how to actually make a plan for a particular goal. How much to invest each year, and how should the portfolio grow every year? I will address these in this article, I will provide a step by step process to make a very simple goal-based investment calculator using excel ..read more
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Portfolio Rebalancing
Grow Your Gullak – Your Personal Finance Guide
by Ashish Naresh Kumar
3y ago
Portfolio rebalancing is a risk managing/mitigating strategy. As time passes actual asset allocation deviates from the desired asset allocation. This happens due to different assets growing at different rates. At a fixed period or when the deviation crosses a certain level, rebalancing is done ..read more
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Diversification and Asset Allocation: A Beginner’s Guide
Grow Your Gullak – Your Personal Finance Guide
by Ashish
3y ago
Both diversification and asset allocation are quite popular terms. Yet many of us don't realize that we don't understand these completely and they are usually used just to sell more financial products ..read more
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Introduction to Financial Planning for Beginners
Grow Your Gullak – Your Personal Finance Guide
by Ashish
3y ago
Financial Planning is the process of determining how much your saving and spending should be, considering your particular situation. It also determines the optimal way to use the savings in such a manner ..read more
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Mutual Fund Guide
Grow Your Gullak – Your Personal Finance Guide
by Ashish
4y ago
There are so many articles out there with a headline resembling the heading of this article. Even I tried initially to write an article that could work as a comprehensive guide for a beginner. But I realized that there so many things I wanted to cover that a single article would not suffice. Thus I ..read more
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Understanding Debt Mutual Funds
Grow Your Gullak – Your Personal Finance Guide
by Ashish
4y ago
Debt funds invest in fixed income instruments, popularly referred to as bonds. Bonds have fixed maturity and most of them pay a fixed interest rate. They can be issued by the government, by PSUs or by private corporations. Debt funds hold some bonds until maturity and receive principle + interest and trade others in the market. The risk associated with a debt fund depends on the credit risk (risk of bond issuing authority unable to pay back interest and/or principle amount) and interest rate risk (fluctuation in the market price of the bond in response to the fluctuation in interest rate ..read more
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How to Select a Mutual Fund? – A Simpler Way
Grow Your Gullak – Your Personal Finance Guide
by Ashish
4y ago
I have already written an article about which mutual fund category to choose, I would recommend you to stick to those categories. But, the question of how to select a fund from a category still remains, so let's address it ..read more
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Which Mutual Fund Category To Choose?
Grow Your Gullak – Your Personal Finance Guide
by Ashish
4y ago
You should first determine whether you want a mutual fund for equity or debt portfolio. For equity portfolio, you can select a fund belonging to one of these categories, Aggressive Hybrid Funds, Large Cap Funds, or NIFTY/SENSEX Index Funds. If you want to take more risk for more returns you can add a fund from these categories, NIFTY NEXT 50 Index Funds or Large & Mid Cap Funds. For debt portfolio, you can choose a Liquid Fund and if you have a long-term goal and are ready to take more risk for more return you can choose a Money Market Fund ..read more
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