Liquid schemes keep your head above water

Liquidity – how easily available is your money – is an important factor that is often overlooked in the rush to maximise returns. Typically, the more liquid you want to keep your money, the less it’s going to earn you. The most liquid option is to tuck it...

FMPs – For Most People

We’re looking at Stage 3 investor options – when you need to live off the returns from your investment corpus. Paramount imperatives are Safety, Return, Predictability and Tax-effectiveness; and then there’s a nice-to-have Liquidity consideration. A...

Fixed Deposits – Why, Why Not

A Stage 3 investor – one who needs income from her portfolio – needs to meet the three primary criteria of safeguarding capital, providing a predictable income flow and being tax-efficient, together with the added advantage of providing liquidity in an...

Investing for Stage 3

Over the next few articles, letls look at the needs of a specific type of investor – a Stage 3 one. The 3 stages of investing In an individual’s investing life cycle there are said to be 3 stages: Stage 1 is when you’re making investing a habit – arguably...

When should I sell my equity holdings?

It’s a question we get asked quite frequently, particularly when the equity market appears to have recovered from a few weeks’ worth of malaise. When the Sensex recently crossed the magical 20,000 mark, quite a few Squirrels asked us if it was time to “book some...

Debt NAV Meltdown Explained

Those of you who have been paying attention to your debt portfolios during the months of August and September 2013 may have wondered what was going on. If you were subscribed to daily text messages for dividends on your liquid funds, there would have been a hushed...