Simply sort the mutual fund schemes on the basis of last one year returns and invest in the top two or three. That is how the schemes are picked by naïve investors. However, many of these top of the table schemes cease to be at the top of the returns table as time passes. That makes investors wonder if they have gone wrong. Vivek Rege, founder and CEO of VR Wealth Advisors says, “Lack of process to decide on the investments exposes investors to expectation mismatch. To overcome such a situation one should begin with his risk-profiling and then decide on the asset allocation. This should follow the selection of scheme.”What really goes wrong?The investors in such cases suffer from hindsight bias, say experts. The investors sort the schemes’ returns at a particular moment of time. Say for example, on January 1, 2018 had they sorted the mutual fund schemes on the basis of one-year returns, the small and mid-cap funds would have been at the top. The obvious choice … [Read more...] about What should you do if your scheme does not remain the best performer anymore
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The divestment programme of the Indian government has seen good traction thus far, partly because the government chose the exchange traded fund (ETF) route for the purpose.While more than Rs 10,000 crore rides on public sector company stocks through these schemes, the performance of PSU-stocks-dedicated mutual fund schemes have seen a dip in the past three months. This has made investors jittery about their investments.However experts advise investors to ignore short-term noise and focus on long-term prospects.Close "Owing to market volatility, investors may opt for defensive stocks. Many PSU stocks are large companies available at relatively attractive dividend yields. So, investors can consider investing in a staggered manner over next six months while investing in this space," says Chintan Haria, Fund Manager and Head of Product Strategy at ICICI Prudential AMC. related news Double Your Income series: Can I boost my income even if the economy is slowing? What is … [Read more...] about Do PSU equity funds offer an investment opportunity after their recent fall?
The KTMs, Kawasakis and Hyosungs surely do turn heads around as they hit the road, but it is the high-end bikes that aspire the young and the old alike. Riding on the aspirational value, the ever-growing awareness and enthusiasm for performance biking, bigger brands are foraying into the Indian market.If you are looking for the most expensive bike, be it for the thrill of riding on a race track or zipping through the streets, here are your choices.Kawasaki Ninja H2R | Price: Rs 69.80 lakhThe Kawasaki Ninja H2R is a track-only bike, one which has no other direct competition in India. With a supercharged engine putting out 326 PS of power with Ram Air and 165 Nm of peak torque, it is pretty difficult to beat this beast on its own. Put it on a track and it can definitely pip even a mid-sized performance car. Retails at an ex-showroom price of Rs 69.80 lakh.Close Big Dog K9 Red Chopper | Price: Rs 59 lakhThe next one on our list is the Big Dog K9 Red Chopper. Aimed at high networth … [Read more...] about Top 5 most expensive bikes you can buy in India
Many investors fail to worry about return of capital instead of return on capital. When Maruti Suzuki came out with its campaign – ‘Kitna Deti Hai?’ it tapped the nerve of an Indian mind-set. Return on capital is the buzzword that rules the world of investments. Many end up chasing returns at the cost of capital. Here are five factors that would help you to reduce the chance of loss of capital.Temporary loss of capital and permanent loss of capitalBefore we get into the details of how to ensure return of capital, let us understand risk. Warren Buffett has captured the essence of investments with two rules: First, do not lose money and second do not forget the first rule.In traded markets, the prices of stocks, bonds and mutual funds fluctuate almost every second. You buy a stock say at Rs 100 and the next moment the tick shows a value less than that. Volatility-led losses or marked to market losses in the short-term should … [Read more...] about Why return of capital is more important than return on capital
In 2014, wearable health tracking devices continued to get more creative, going far beyond simple fitness tracking. The K-Goal, a “Fitbit for your vagina,” promised to help women do kegel exercises correctly, while the Emotiv EEG headset offered the prospect of mental acuity, measured by a device that tracks the brain’s concentration. advertisement advertisement Of course, kids came up with some of the most unique health innovations of the year. One 15-year-old came up with a wearable device that triggers an alert when his grandfather with Alzheimer’s gets out of bed. Another young scientist put the finishing touches on a gel that can stop bleeding almost immediately–an invention that he first came up with as a teenager. While there were the inevitable stories about toxic chemicals and obesity, 2014 also offered the promise of betterment, through brain training, stomach bugs, and souped-up condoms. Check out our full list of the top health … [Read more...] about The Top 12 Health Stories Of 2014 Are Almost As Good For You As Visiting The Doctor