How does taxation work for retirement folks across different asset classes?

Retirement planning continues even post retirement. A lot of people spend their adult lives working and saving to prepare for retirement. But once you hang up your hat, you should not necessarily stop thinking about saving and investing.  What do you do with all the money you have got at retirement? Collecting your pension and provident … [Read more…]


To assess an index fund, some might turn to last year’s performance, but performance is not the answer. Markets go up and down regardless of how well an index fund does its job. The simplest answer is “tracking error”. Tracking error is the investors’ metric for assessing whether they are getting what they pay for. … [Read more…]

Should you add gold to your portfolio and what are the different options?

In a market that has dramatic swings from one day to the next, investors must learn ways to diversify their portfolios that will win in any market. With the Covid-19 pandemic battering world markets, equity investors are suffering. The spike in bond yields has resulted in losses to investors of debt instruments such as debt … [Read more…]

Ultra-Short-Term Debt Funds Are Deceptively Risky

The suspension of 6 debt fund schemes by Franklin Templeton AMC earlier this year left a lot of investors in shock. Particularly surprising inclusions in the list of suspended schemes were Franklin’s Ultra-Short Term Bond Fund and Low Duration Fund. Even before the suspension of schemes happened, many investors were starting to get wary of … [Read more…]

Quasi-Sovereign Issuers Aren’t Zero-risk

There is a class of issuers in Indian debt markets that are treated as being very safe in terms of credit risk – namely the quasi-sovereign companies. Generally, these include the so-called Public Sector Undertakings (PSUs) and their subsidiaries. There is in fact a whole category of debt mutual funds. They are ‘Banking and PSU … [Read more…]

Mutual Funds Sahi Nahi Hai

The workhorse of equity investing – i.e. mutual funds– is probably past its prime. There are forces at work which may relegate the actively managed mutual fund to being largely a retail investor’s instrument, next to the trusted insurance-cum-investment policy. Savvier investors are likely to move on. Passive is in – The Indexing Revolution Source: … [Read more…]