Author: Satya Sontanam


 

Do more mutual fund units translate to higher returns? 

Recently, a Zerodha Varsity reader came up with an interesting question about direct vs. regular mutual funds. He understands that the return on a direct fund is higher, so buying a direct fund makes sense. But he also feels that one can accumulate more mutual fund units in a regular fund, given that the NAV […]

Personal Finance, Varsity
0
11 Jun 2024
 

Know Your Fund Manager: Sankaran Naren of ICICI Pru MF

Imagine you are on a flight, and suddenly, the plane hits turbulence. If you’re not familiar with flying and don’t understand why turbulence occurs, you might panic, thinking the plane is in serious trouble. But if you know that turbulence is common and that airplanes are designed to withstand it, you’re more likely to stay […]

Personal Finance, Varsity
0
01 Jun 2024
 

Do elections impact the stock market? Here are our five observations

One of the initial lessons we learn about stock markets is their inherent uncertainty. When higher uncertainty creeps into the underlying companies or the broader economy, you see higher volatility in the stock market. Elections in a country are highly unpredictable and ambiguous. Investors usually get jittery about the stability of existing policies and what […]

Personal Finance, Varsity
0
27 Apr 2024
 

Small and Medium REITs Explained: A New Investment Option for Indian Investors

SEBI’s recent regulations on small and medium REITs (SM REITs) have sparked interest among investors who are eager to explore new avenues for real estate investment. After all, real estate is one of the favourite asset classes for Indians. SM REIT (real estate investment trusts) is simply a younger version of the traditional REIT we […]

Personal Finance, Varsity
1
03 Apr 2024
 

What is the best SIP frequency for investing in mutual funds?

Unless you live under a rock, you would have probably heard the term – SIP (systematic investment plan) – in mutual funds. Using SIPs, one can conveniently invest a fixed amount in mutual funds periodically, usually monthly. Unlike lump-sum investments, where a large amount of money is invested at once, SIPs involve spreading the investment […]

Personal Finance, Varsity
0
09 Mar 2024
 

What if I invest at a market all-time high (2024)?

In February 2024, Japan’s benchmark index reached an all-time high, marking a significant milestone after a prolonged interval of 34 years. The stock market in the Land of Rising Sun is in stark contrast to India’s in terms of reaching all-time highs (ATHs) – we witnessed multiple ATHs within a single year. Many investors worry […]

Personal Finance, Varsity
0
02 Mar 2024
 

Know your fund manager: Rajeev Thakkar of PPFAS Mutual Fund

How well do you know the fund managers you invest with? Beyond the statistics and performance charts lies a deeper understanding that can help you make informed decisions: their core investment philosophies and personal beliefs. This is the heart of our Know Your Fund Manager series, where we delve into the minds of the individuals […]

Personal Finance, Varsity
9
12 Feb 2024
 

Cashless claim facility at any hospital, with no network limitations

You would have likely heard about it from someone or experienced it yourself: a medical emergency strikes, and you rush to the nearest hospital, only to discover your insurer’s network does not cover it. Dealing with upfront payments and waiting for reimbursements can be stressful. To ease the financial burden and speed up the claims […]

Personal Finance, Varsity
0
08 Feb 2024
 

Know the incentives of those selling you a financial product

“There is no such thing as a free lunch.” You may have heard this famous quote emphasizing the idea that you cannot get something for nothing. This is particularly true when it comes to selling financial products. People could have an agenda and/or an incentive to sell or not to sell a particular financial product to you.

Personal Finance, Varsity
0
26 Jan 2024
 

Old vs New tax regime: Which one is better for you?

In the year 2020, the government introduced a new tax regime under which taxpayers can choose to pay tax at lower rates. In this article, we compare old and new tax regimes, and help you understand which one could be more beneficial for you by discussing the differences in tax rates, deductions, and exemptions.

Personal Finance, Varsity
0
27 Dec 2023
 

Are you mixing insurance and investments? Here’s what you need to know

Keanu Reeves, a Canadian actor and the lead actor in the movie ‘The Matrix,’ was once asked in an interview, “What do you think happens when we die?” His response touched everyone emotionally for a moment – he said, “I know that the ones who love us will miss us.” Now, imagine if that person […]

Personal Finance, Varsity
0
26 Oct 2023
 

What India’s global bond inclusion means for you: Opportunities and risks

After a long wait, Indian government bonds have finally secured a spot in the global bond indices club. This is an interesting development for India. Starting June 28, 2024, Indian government bonds will be part of the J.P. Morgan Emerging Markets bond index. India’s share in its Global Diversified Index (GBI-EM GD) is expected to […]

Personal Finance, Varsity
0
28 Sep 2023
 

RBI’s new rules ensure faster release of property documents for borrowers

If you have a home loan or a loan against any property/security, then you have a reason to smile. RBI, on September 13, 2023, came out with a notification stating that banks and NBFCs (non-banking financial company) must release all the movable or immovable property documents given as collateral within 30 days from the day […]

Personal Finance, Varsity
0
18 Sep 2023
 

US Credit Downgrade: Implications for Indian Investors

The US always pays its debts – this popular belief has come to question lately. Fitch Ratings, one of the important credit rating agencies alongside Standard & Poor’s & Moody’s, downgraded the US’s credit rating to AA+ from AAA on August 1, 2023. Here we understand why the US was downgraded and what it means […]

Personal Finance, Varsity
0
18 Sep 2023