LEARNING


Moneylife Digital Team 02 January 2013
Trust in equity markets is low. What should investors do? Indian regulators are apathetic towards equity investors and not much has been done to win back their trust. The Swarup Committee report had stated in 2009 that the Indian retail investor population was just 8 million by the end...

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What investors should keep in mind to avoid being taken for a ride Investors losing money, or falling for dubious Ponzi schemes, is not a recent phenomenon; this has been happening for decades and it is not restricted only to India. There are several multi-level marketing schemes (MLMs)...

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Moneylife Digital Team 14 December 2012
Be Happy, Earn More!   Sadness makes people more myopic and willing to forgo greater future gains   Did you know that being sad can affect not just your health but your financial well-being as well? We read a lot about how to handle your money safely and smartly. But, we...

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Moneylife Digital Team 14 December 2012
It is important to do your own homework and dig out for facts rather than rely on hearsay. Unfortunately most investors are reluctant to collect information on their own and rely on “false information”   Information is critical for any kind of decision-making, especially in the realm...

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They become more volatile and act more irrationally. Here are some examples The quarterly and annual results announced by companies are keenly watched by the analysts in the stock market. There is a lot of analysis that is done during pre and post result period by fundamental analysts....

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Moneylife Digital Team 23 November 2012
  The Vanguard Group, the largest mutual fund company in the US and pioneer of index funds, has just come up with a startling piece of research debunking the myth that systematic investment planning (SIP) is a better strategy than a lump-sum investment (LSI), regardless of the asset...

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Harjot Kaur 22 November 2012
Banks look at your loan application from the point of view of how risky it is to lend money to you and whether or not you will pay back. Give the bank reasons to lend to you, as Harjot Kaur explains The key factors in getting a bank loan sanctioned are a good credit history and an active...

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Nilesh Kamerkar 15 November 2012
We do not know what the future holds. A good investment should be able to bring a smile on your lips for having taken the ‘right’ course in the face of uncertainty. What is this investment? Equity mutual funds have proven to be profitable long-term investments for individuals. The best...

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Moneylife Digital Team 09 November 2012
In this complex world of investments, you will counter many advices and experiences. You need to avoid these deadly mistakes to avoid all pitfalls   Every now and then, savers and investors commit blunders which catch them by surprise and can hurt one’s financial future. A research...

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The new online system for getting a passport is well thought out. The major beneficiaries are mainly educated and tech-savvy elite who constitute a very small portion of our population. A large number of our youth still depend on middlemen or touts for getting their passports Here is...

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Forecasting dividend may not be an easy task but it makes sense to analyse the key trends in dividend to have an idea about how good the company will deliver in terms of rewarding investors in the form of dividend   Investment in stocks is driven by two types of returns: 1) Capital...

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Moneylife Digital Team 29 October 2012
Hugh Young’s 10 Golden Rules of Investing   It always pays to listen to a successful person in a given field. Hugh Young, one of the star managers at Aberdeen Asset Management, is one such. He has put down 10 golden rules of successful investing. Some of the advice may seem obvious...

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Here are some crucial things to keep in mind while buying your dream house which will help you navigate the treacherous world of real estate The sheer number and size of advertisements and marketing gimmicks for real estate cannot be ignored. In and around New Delhi, we see them on the...

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Moneylife Digital Team 15 October 2012
A number of companies are trying to catch the attention of investors by offering NCDs at high interest rate. Are they safe? How are they different from corporate fixed deposits? As investors you should investigate about the features of different products and the terms and conditions they...

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Moneylife Digital Team 12 October 2012
Keynes, besides being an influential economist, was an ardent stock investor and developed the concept of asset allocation   John Maynard Keynes was one of the most fascinating and influential figures of the 20th century. His pioneering work on fiscal and monetary measures as tools to...

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Moneylife Digital Team 02 October 2012
Studies, surveys, regulation, misconduct and savers’ behaviour from around the world Save Now for Tomorrow   It is a well-known fact that higher savings today will lead to enormous financial benefits tomorrow and over the long-term. Yet, several investors do not make an effort...

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Moneylife Digital Team 17 August 2012
It is true that earnings forecasts improve transparency and aid market efficiency while keeping management and shareholders on their toes. However, there’s a cost to management guidance. When a management gives guidance, its share price would be immediately priced in by the market. For...

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Moneylife Digital Team 17 August 2012
Dividends seem to have gone out of fashion these days. In fact, not many investors are convinced that dividends will add value at all. However, research studies suggest otherwise; between 1798 and 1990, nearly all of the real returns from the US stock market came from the reinvestment of...

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Moneylife Digital Team 17 August 2012
Warren Buffet once said, “It is optimism that is the enemy of the rational buyer.” It is well-documented that optimism bias is one of the blind spots for all kinds of investors. After all, we expect good things to happen to investors. However, too much optimism induces over-trading, which...

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Moneylife Digital Team 09 August 2012
Why women make better investors For good or bad, the majority of financial decisions are taken by husbands. Or so was the convention. Is convention really apt and appropriate? According to a recent paper by Prudential Research Study, titled “Financial Experience and Behaviours among...

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