Heena Sharma Blog

Welcome, October! Diwali is just around the corner. You might have some travel plans this month. Why not we together create a plan? Not a travel plan, but a monthly investment plan! Here are five guidelines for creating a monthly investment plan and sticking to it: Take Note of Your Current Financial Position To start something, you should first assess where you stand. Similarly, to create a monthly investment plan, you should examine your income, savings, and expenses. If one’s standard of living is growing faster than income, then there’s a need to either increase income or decrease expenses. It will also help you prioritise which expenses are necessary and which ones you can cut down. Failing to do this can derail one’s financial well-being. Account for Festive Expenses With the onset of festivals such as Dussehra and Diwali, it is better to draw up a festival budget where you can list down all your necessary spending needs and thus make provisions for your investments to be made i...

  How To Create a Monthly Investment Plan (and Stick to It)? Welcome, October! Diwali is just around the corner. You might have some travel plans this month. Why not we together create a plan? Not a travel plan, but a monthly investment plan! Here are five guidelines for creating a monthly investment plan and sticking to it: Take Note of Your Current Financial Position To start something, you should first assess where you stand. Similarly, to create a monthly investment plan, you should examine your income, savings, and expenses. If one’s standard of living is growing faster than income, then there’s a need to either increase income or decrease expenses. It will also help you prioritise which expenses are necessary and which ones you can cut down. Failing to do this can derail one’s financial well-being. Account for Festive Expenses With the onset of festivals such as Dussehra and Diwali, it is better to draw up a festival budget where you can list down all your necessa...

You must have heard stock market pundits often emphasizing on the importance of research and finding the value in a stock. There will be people out there vouching for their expertise with fundamental or technical analysis. However, there is a 0theory in the market that rubbishes all these claims. It’s called the efficient market hypothesis (EMH). EMH as the name suggests is a hypothetical theory. It essentially says that all known information is already factored into the stock price. Hence, no amount of analysis can give one investor an edge over the other. As per the EMH theory, stocks always trade at their fair value on exchanges. Hence, it is impossible for investors to purchase undervalued stocks. Or, sell stocks for inflated prices. It raises a few direct questions on popular analysis techniques. It asserts that with all new information priced in, neither technical nor fundamental analysis can generate excess returns. Therefore, it should be impossible to outperform the overall m...

Every financial investor will encounter a trade-off between returns and risks. The reward for greater risk is greater returns. However, it would be best to consider your risk appetite before making any investment. Each investment has a different level of risk. The more you diversify your investments in your portfolio, the lower your overall risk will be. Let us understand what affects the performance of assets and how you can quantify the amount of risk you may face. What is portfolio risk? Portfolio Risk is the total risk determined by the individual risk associated with each asset you hold in your portfolio. The assets you own may fail to perform financially as expected. As a result, it leads to a substantial amount of loss. There are multiple causes for it and different ways to mitigate each category of risk. Let us see what the various types of risks are. Types of portfolio risks Risks involved with individual securities To understand the overall risks involved in portfolios, let ...

Mutual fund investments come in various forms. You can pick equity funds for their potentially attractive returns or debt funds for their stability. If you want the best of both worlds, you can pick balanced funds that combine both equity and debt instruments. Different funds, different characteristics. Each of these funds helps in fulfilling the different investment needs of the investors. More and more investors have started investing in a more sustainable manner. Sustainable investing can be done in three ways – socially responsible investing, impact investing, and ESG investing. know more about the first two categories, read our article on Impact Investing Vs Socially Responsible Investing on the Teji Mandi blog. As for ESG investing, let us get into its details here. ESG investing involves ESG funds, which are a type of mutual fund scheme that follows the ESG investment theme. Let’s elaborate. ESG Theme – the concept ESG stands for Environmental, Social and Governance. The ESG the...

Are you new to investing and unsure how to navigate the capital markets? You have come to the right place. TejiMandi carries the legacy of Motilal Oswal Financial Services, as a direct subsidiary of the behemoth. As SEBI-registered portfolio managers, our teams of in-house experts have solutions to all your investing queries and are adept at provisioning tailored portfolio management services to you. The capital market is a platform where buyers and sellers trade various financial instruments such as bonds, stocks, and other securities. It is a medium for transferring capital from investors to companies that need the money to finance business ventures and investments. The term ‘capital market’ includes in-person and digital trading spaces with further classification into primary and secondary markets. Here’s an in-depth look into the primary market vs secondary market differences and their meaning. However, it is pertinent to understand the types of securities that investors encou...