Creative Bharat
An FD gives you a fixed interest rate, a promise from the bank that you’ll get your money plus that interest back at maturity. (AI image) Over the long run, mutual funds usually outpace FDs—but only if you use each for the right goal, time frame and temperament.You talk about mutual funds and there’s always […]
Among the ones that concern us most directly: What happens to what’s in the air we breathe? How much gets into the bloodstream; what impact does it have? Zooming out, more queries take shape: In what ways can the tiniest particles in the air affect monsoon patterns, or intensify storms? How do these aerosols affect […]
In reality, risk is simply: how much your fund can fall, how often, for how long, and what you will do when that happens. (AI image) Most investors don’t ask me, “What is the right level of risk for me?”They ask, “Which fund will give the highest return?”Ideally: high return, low risk, and no losses […]
Every solid portfolio begins with one core equity fund that can quietly do the heavy lifting for years. (AI image) You don’t need 15 funds; 4–6 well-chosen ones are enough for most investors.The most common portfolio problem I see these days is not “too little choice”. It’s a fridge stuffed with leftovers.Open a typical investor’s […]
Luxury fashion has long been sold as both a status symbol and a smart investment – especially when it comes to high-end handbags that promise exclusivity, longevity and resale value. But as prices climb into the lakhs, a growing question remains: do these coveted pieces truly live up to the hype, or are some luxury […]
Here is the uncomfortable truth: the fund is often not the biggest decision you’re making. The mix is. (AI image) A mediocre fund in the right asset mix will beat a “top fund” in the wrong oneLast week, someone told me, “I only want high-return funds.” I asked her what her goal was. She said, […]
Most investors pick the fund first and worry about risk later. (AI image) Forget star ratings and tips — use a simple checklist to pick funds you can hold for a decade.Whenever someone meets me for the first time and finds out what I do, the question is almost guaranteed: “Ek baat bataiye — abhi […]
A decade from now, the fund you barely talked about will likely be the one that did most of the work. (AI image) Here’s a scene I’ve seen many times.A new investor starts a SIP. Within a month, the portfolio already has seven funds: a mid-cap, a small-cap, a PSU theme, a “manufacturing” theme, an […]
Your first SIP is important. Just make sure it doesn’t come before your first four foundations. (AI image) Most investing problems don’t start with the funds you pick; they start with the life problems you ignore.People ask, “Which is the best mutual fund for SIP?” Far fewer ask, “Is my life ready for investing?” As […]
V. Anantha Nageswaran, Chief Economic Advisor, Government of India (file photo) | Photo Credit: BIJOY GHOSH Buoyed by the higher consumption post GST and interest rate cuts, pick up in private capex and meaningfully higher foreign direct investment (FDI) flows, India’s Chief Economic Advisor (CEA) V Anantha Nageswaran is comfortable in forecasting upwards of 6.8 […]
