Articles in the Asset Allocation Category
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Asset Allocation, Calculators, Headline »
We have been working on some tools and calculators for measuring your finances and here are some updates on the website:
How long will it take to become a crorepati?
Check out your Tax Liability
Suggestions for controlling cost of your investments
The fundamentals of Asset Allocation
We now have 4 more calculators on our website which calculates
the amount of Insurance you need,
the present value of your future returns,
the effect of inflation and
when you will be able to become a crorepati!
Check them out and let us have …
Asset Allocation, Financial Literacy Series, Investing »
Investing means, making more money on your hard earned money towards increasing your wealth. An investment is anything you purchase for future income or benefit. In other words, anything not consumed today and saved for future use can be considered an investment. Income earned from your investments and any appreciation in the value of your investments increases your wealth. Before we take a look at the different financial products, it is important to know the basic principles of investing!
Investment refers to a placement of funds in some assets that …
Asset Allocation, Financial Literacy Series »
Doesn’t Asset Allocation (AA) sound sophisticated? It assumes you have an asset to allocate and gives a boost to your ego. It’s a smart and sexy word for something as drab and dreary as planning your personal finances. Asset allocation also gives you a feeling that you are holding some aces up in your sleeves. It specially applies to the Financial Planners or Advisors.
But seriously, asset allocation is a useful concept to know. And it’s very simple too. Once you get your fundamentals clear about AA, you can use it …
Asset Allocation, Financial Literacy Series »
This is the fourth in the series of Financial literacy series. Previous ones here: 1, 2, 3.
Age of an investor, family situation and health are important determinants of financial goals. Also financial goals and plans depend on the income, expenditures & cash flow requirements of an individual.
For the purpose of ideal financial planning, investors can be segmented according to certain stage in their life cycle
Stage I : Ages: 20 to 30 (Unmarried, Young Professionals)
Stage II : Ages 30-45 (Married, With or Without Kids)
Stage III : Ages 45-55 (Pre Retirement)
Stage …
Asset Allocation, Budgeting, ETF, Financial Literacy Series, Index Funds, India, Insurance, Investing, Mutual Funds, Personal Finance, Planning, Stocks »
I need to go through a financial literacy programme and I am making that effort. So do you, dude.
I’ve hated finance. Maybe because I was not able to understand the jargons and the maths. But I guess ignoring personal finance worsens the situation. And the only way to get maximum out of your personal finance is to look it into its eye and grapple with it. You will come out stronger.
If you think it’s too early for you to bother, let me tell you that the first principle of investing …
Asset Allocation, Budgeting, ETF, Index Funds, Insurance, Investing, Mutual Funds, Personal Finance, Planning »
This post links to a treasure trove of information on personal finance. Actually, April was National Financial Literacy Month in the US and JDR (GetRichSlowly) has the ultimate collection of posts covering everything on Personal Finance.
Other than the 20 posts linking to the literacy drive, he also links to his popular articles and the websites which provide such information. Maybe it’s all dry information, but you can do well to bookmark that post and keep coming back to it. It’s dry, but important for you. Why? Look at the following …
Asset Allocation, Budgeting, Investing, Personal Finance, Planning »
Getting rich is in your hands, nobody else’s . So get started with working hard or smart (depends on you again), adding to your finance knowledge and generally taking responsibility for yourself. Get Rich Or Die Trying.
If Financial decisions look like rocket science to you and Investing is even more daunting, here are some baby steps for you.
This one is from Deborah Fowles, Guide to Financial Planning in About.com Seems very elementary but I doubt how many people are scoring more than 5/10. Here it goes, the top ten:
1. Get …
Asset Allocation, Budgeting, ETF, Index Funds, Investing, Personal Finance, Stocks »
Gaurav’s post on the 30 things he wanted to do before he’s 30 was a brave one. I wondered at his bravery and wished him all the best only to land up in trouble myself He wants a way to build a Networth of 1 Crore before he’s 30 and now wants me to find it.
Gaurav’s target of becoming a crorepati is brave but also bordering on being foolhardy, I think. To top it, he wants to start with a seed capital of only Rs 2 …
Asset Allocation, Investing, Personal Finance, Stocks »
I have been following the EagleEyeTrade blog and even though I don’t understand technical analysis, I find this blog very credible. I am delighted that Rajiv found time to answer some of my doubts/questions which have been reproduced below:
Technical analysis is the study of the trading history to attempt to predict future prices. What qualifications make you confident of doing that?
The only qualification which works in Stock Markets is real life experience. A college degree, BTech or on MBA all are helpless unless one can think for himself and be …
Asset Allocation, Investing, Planning, Stocks »
It’s far better to buy a wonderful company at a fair price than a fair company at a wonderful price: Warren Buffett
During the period from 1980 to 2003, the stock portfolio of Berkshire Hathaway beat the S&P 500 index in 20 out of 24 years. During that same period, Berkshire Hathaway’s average annual return from its stock portfolio outperformed the index by 12.24 percentage points. The efficient market theory predicts this is impossible, but the theory is clearly wrong in this case.
The genius of Warren Buffett lies in his simplicity. …
Asset Allocation, Budgeting, ETF, Index Funds, Insurance, Investing, Mutual Funds, Personal Finance, Planning, Stocks »
Slideshare is a wonderful way of sharing your slides and powerpoint presentations. It is a place to share and discover slideshows. You can embed the slideshows in your blog, tag, comment and have fun.
I have embedded a presentation I have made on “Taking responsibility for your finances”
Click here for the slides
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Asset Allocation, Investing, Personal Finance, Stocks »
When you buy a share of a company you become a shareholder in that company. Shares are also known as Equities. Equities have the potential to increase in value over time. It also provides your portfolio with the growth necessary to reach your long term investment goals. Research studies have proved that the equities have outperformed most other forms of investments in the long term
This may be illustrated with the help of following examples:
a) Over a 15 year period between 1990 to 2005, Nifty …
Asset Allocation, Budgeting, Investing, Personal Finance, Planning »
FINANCE looks daunting. For me too.
I was in Rishikesh a few years back in the winters and one old resident told me, “The water is warm when the Sun has not risen. Try it”, with a straight face. Next morning, it was pretty dark when I waded into the “warm waters” of Ganga. Boy, Oh Boy! I did not expect the old man to be so cruel!!
But I had the bath of my life. It was invigorating and real fun! I came back and thanked the old man …
Asset Allocation, ETF, Index Funds, Investing, Mutual Funds, Stocks »
Investing in the equity market directly is exciting and sexy. You are in the thick of things and are able to take responsibility for yourself. Though the volatility and the information overload makes it a daunting task.
How about investing through Mutual finds? Doesn’t it have its own loading and administrative charges and the fund managers making merry on your hard earned money? And can’t we see the best performing mutual funds and follow their portfolio?
Here are some points to ponder:
We should allocate our time to investment decisions in proportion to …
Asset Allocation, Budgeting, ETF, Index Funds, Investing, Personal Finance, Planning »
The Little Book of Common Sense Investing is an amazing book by John Bogle. Read this about the book you can buy on Amazon.
Investing is all about common sense. Owning a diversified portfolio of stocks and holding it for the long term is a winner’s game. Trying to beat the stock market is theoretically a zero-sum game (for every winner, there must be a loser), but after the substantial costs of investing are deducted, it becomes a loser’s game.
Common sense tells us—and history confirms—that the simplest and most efficient investment …
Asset Allocation, ETF, Mutual Funds, Personal Finance, Planning »
Basically, Exchange Traded Funds (ETFs) are open-ended index fund that can also be traded on the stock market.
Compared to Mutual funds, there are many advantages of ETFs, one is real time pricing, secondly long term investors are protected from short term traders. Hence it proves to be an ideal instrument for both long term as well as short term investors and also it is easy to buy and sell from the exchange.
One major disadvantage of ETF is that the investor should have a demat account and a broking account.
There are …
Asset Allocation, Budgeting, Personal Finance, Planning »
Personal Finance is a thing which we keep on postponing. I’m already feeling like a poet out catching people to hear my poem. And being a person who hardly understands poems, I can understand the yawning souynds people make when I try to tell about personal finance.
I’m persistent. But this time I’ll not rant on any theory and give you a download option where you can do all your personal finance yourself.
So you are about to make a poem yourself. Download this worksheet
This worksheet has the following spreadsheets:
Networth; Budgeting; Planning …
Asset Allocation, Budgeting, Investing, Personal Finance, Planning »
Asset Allocation (AA) sounds sophisticated, no? It assumes you have an asset to allocate and gives a boost to your ego, eh! Looks like a smart and sexy word for a thing as drab and dreary as planning your personal finance. And AA also gives you a feeling that you are holding some aces (AA) rolled up in your sleeves. It specially applies to the Financial Planners or Advisors.
But seriously, asset allocation is a useful concept to know. Simple too. And once you get your fundas clear about AA, you …
Asset Allocation, Budgeting, Investing, Personal Finance, Planning »
Money is a bad master but a good servant. Whatever it is for you, it needs good management anyway. Personal finance is the management of your money.
Management of your money is obstructed by persistent (and sometimes annoying)agents and financial advisors, aggressive financial product companies with huge advertising budgets and our own ignorance of the knowledge required (and maybe the inertia?) to manage our money!!
It is vital to “take responsibility for yourself”. And the first step to do it is to be well informed.
We do not sell any financial product and …











