Explained: Side Pocketing – An Example of How Investment Risk Actually Works in Practice

17 December 2018 N Ashok Kumar1 Comment

This article is a case study of how the degree of risk in an investment can suddenly change. An investment that is considered safe can almost overnight become a dead investment and investors lose in the resulting volatility of price fluctuations. The financial sector knows how to hide truth Whatever else one may say of… Continue reading Explained: Side Pocketing – An Example of How Investment Risk Actually Works in Practice

Finance for Life Insurance

This is a FACT not an Opinion

7 December 2018 N Ashok Kumar2 Comments

The Fact – Indians prefer low risk investments Savings data compiled by Central Statistical Office (CSO), Government of India, and published by the Reserve Bank of India in its Handbook of Statistics, shows that without exception since the time they started publishing the data from 1970 till date (48 years, now), Indians have always put… Continue reading This is a FACT not an Opinion

Finance for Life Insurance

Are mutual funds banks?

4 December 2018 N Ashok Kumar1 Comment

The newspaper Mint reported on 4 December 2018 (MFs extend loans to listed entities against shares in promoter firms by Jayashree Uphadhyay and Gopika Gopakumar) that some of the mutual funds have extended loans directly to companies. Some of mutual funds that have been mentioned in the article are: Franklin India Ultra Short Bond, Reliance… Continue reading Are mutual funds banks?

Financial Education for Marketing

Term Insurance and Mutual Fund Combo

17 November 2018 N Ashok Kumar1 Comment

One of the most repeated lines in the media is that traditional life insurance endowment is low return and that if one wants life insurance it is better to buy term insurance and with the balance of money (saved by not buying traditional insurance) buy mutual funds. This is one of the most unscientific statements… Continue reading Term Insurance and Mutual Fund Combo

Finance for Life Insurance

The Case of Negative Cash Holdings

14 August 2018 N Ashok KumarLeave a comment

We have been pointing out on this Blog (See: Where Indians Save) as well as in our training programs see our website www.iistpune.in that Indians are low risk investors (not low returns mind you). Given a chance Indians would prefer to invest and save in such a manner that their capital is protected. This is… Continue reading The Case of Negative Cash Holdings

Finance for Life Insurance

Bull Run or Bear: It is never safe to invest in mutual funds

4 August 2018 N Ashok Kumar7 Comments

So you thought that there is a bull run on the stock market and therefore buying equity mutual funds will fetch you high returns. Think again. But first let us quantify the equity bull-run in the past one year. One year ago, on 3 August 2017, the SENSEX closed at 32237 and on 3 August… Continue reading Bull Run or Bear: It is never safe to invest in mutual funds

Finance for Life Insurance

No Fraud Here

2 August 2018 N Ashok Kumar1 Comment

Recently there was an article in the newspaper titled Mixing Life Insurance with Investment is a Common Mistake. It was published in a column titled “OOPS! Mistakes Investors Make” in Business Standard 2 August 2018. the article written by Kayezad Adajana explains the view point of Maher Dhamodiwala, who we are told is the founder… Continue reading No Fraud Here

Finance for Life Insurance

And the Tortoise Wins!

18 January 201818 January 2018 N Ashok Kumar9 Comments

Like in in the famous fable where the Tortoise wins the race against the fancied rabbit, in investments too the much maligned low risk investments may be better under conditions of market volatility, as compared to high risk investments. Slowly but surely the low risk investments can outperform the high risk investments, beat the inflation… Continue reading And the Tortoise Wins!

Finance for Life Insurance

How do you compare the return of risky investments with that of lower risk investments?

21 December 201721 December 2017 N Ashok Kumar4 Comments

There are thousands of mutual funds. They invest money in shares, debt (especially corporate debt), gold, real estate, foreign exchange, commodities, etc. You will agree that the prices of the assets in which mutual funds invest constantly change, moving up or down. Any investment in such assets is therefore subject to the investment risks of… Continue reading How do you compare the return of risky investments with that of lower risk investments?

Finance for Life Insurance

Good News from SEBI – Mutual Fund Sahi Nahi Hai

18 December 2017 N Ashok Kumar3 Comments

In this Blog Help India Insure, it has been our consistent view that mutual funds as a rule do not give high returns. (Read the all the articles under the category Finance for Life Insurance, also read the power point presentation Why Life Insurance is the Best Financial Product). Some do for a short while,… Continue reading Good News from SEBI – Mutual Fund Sahi Nahi Hai

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Tag: mutual funds

Explained: Side Pocketing – An Example of How Investment Risk Actually Works in Practice

This is a FACT not an Opinion

Are mutual funds banks?

Term Insurance and Mutual Fund Combo

The Case of Negative Cash Holdings

Bull Run or Bear: It is never safe to invest in mutual funds

No Fraud Here

And the Tortoise Wins!

How do you compare the return of risky investments with that of lower risk investments?

Good News from SEBI – Mutual Fund Sahi Nahi Hai