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Latest from HT Friday Finance

This Dhanteras, add some sparkle to your portfolio with gold

The word Dhanteras is an amalgamation of the Sanskrit words dhan, which stands for wealth, and teras which refers to the 13th day of the Hindu calendar, and the purchase of objects made of metal on this day is customary

For Indian households, buying gold on Dhanteras – the first day of the festival of Diwali - is considered to be a harbinger of fortune and prosperity.
Published on Oct 20, 2022 03:14 PM IST
ByHT Brand Studio

Financial lessons to glean this Diwali

Diwali symbolizes the beginning of the new financial year as well and this is also a reason why several key Diwali traditions are centered around money. For the investor community, Diwali brings with it several financial lessons

The observance of the festival of lights entails a fascinating array of activities centered on wealth creation and prosperity.
Published on Oct 20, 2022 03:14 PM IST
ByHT Brand Studio

Let’s talk about sustainable finance this World Investor Week

This year, one of the areas of focus at World Investor Week is sustainable finance. The term sustainable finance has become a common occurrence in investment parlance. Sustainable investing has been receiving attention from the investor community globally and in India too

Sustainable finance entails investment decisions that factor in the environmental, social, and governance (ESG) factors of a business.
Updated on Oct 15, 2022 03:51 PM IST
ByHT Brand Studio

Investor resilience and wealth management go hand in hand

Money management is a lifelong commitment that has many variables involved– economic and market conditions, changes in vicissitudes in life and shifting goal posts, etc. Amidst all these, keeping your investment strategies in sync with your risk-taking abilities and objectives can be a challenge

The COVID-19 pandemic was a test of the resilience of investors and it also brought forth many lessons that the investor community had to learn.
Published on Oct 11, 2022 12:28 PM IST
ByHT Brand Studio

World Financial Planning Day – the importance of financial planning

The day is observed to help raise awareness of the importance of financial planning, the need to always have a financial plan in place, and to seek the guidance of a financial planner who is ethical and competent

World Financial Planning Day falls on October 5 this year.
Published on Oct 05, 2022 09:45 AM IST
ByHT Brand Studio

Fighting financial illiteracy with light of financial awareness this Navratri

This year’s Navratri comes after a prolonged spell of uncertainty, fear, and distress and is akin to a new beginning. And any new chapter warrants introspection on our relationship with money and how we can wipe the slate clean and improve on areas that need work

On this occasion let us all make a pledge to step away from the shadows of financial negligence and strive towards financial enlightenment.
Published on Oct 03, 2022 01:14 PM IST
ByHT Brand Studio

A guide to index investing

Meeting asset allocation objectives and maintaining optimum diversification in one’s portfolio can be made a simpler exercise with index funds

When you invest in an index fund, your money is invested in all the companies that make up the particular index the fund is replicating.
Published on Sep 27, 2022 06:28 PM IST
ByHT Brand Studio

How to keep expenses in check during this festive season

Festival celebrations can be an expensive affair, especially considering there are a string of festivals that are observed within short intervals of each other. Here are few ways you can prevent festival expenses from creating a dent in your finances:

It is easy to get carried away and go overboard with your festival expenses.
Published on Sep 27, 2022 12:20 PM IST
ByHT Brand Studio

What is mutual fund portfolio overlap and how to avoid it?

Overlapping of stocks in mutual fund schemes is a common pain point that emerges in the journey of many mutual fund investors. Mutual fund portfolio overlap occurs when you invest in different schemes, but there is a large degree of similarity in the underlying portfolio constituents

In order to avoid overlap, investors should refrain from investing in too many schemes of the same category.
Published on Sep 16, 2022 11:10 AM IST
ByHT Brand Studio

How to take care of your retired parents’ finances

In their quest for giving us the best of everything in life, parents often end up neglecting their future. In many cases, children have to step in and rebuild their parents’ corpus to ensure they have a secure future

Mutual fund investments in the early years post-retirement can provide significant wiggle room in their later years.
Published on Sep 15, 2022 03:52 PM IST
ByHT Brand Studio

Here’s how you can finance the dream birthday party for your child

From homebound celebrations just involving the closest friends and family, the regular birthday cake, and a few home-cooked delicacies, children’s birthdays have now moved to high-end venues where guests are treated to a host of luxurious experiences

With children’s birthday parties becoming a status symbol, it makes sense to dedicate a little extra attention to the financial preparation required for such parties.
Published on Sep 13, 2022 03:37 PM IST
ByHT Brand Studio

Acing retirement investing when you have a home loan to repay

One such instance when investing regularly for retirement can become tricky is when you have taken a home loan. In such a scenario, you may not be able to pay as much attention to retirement investing as you should

A combination of different financial products for retirement planning can provide better risk management and asset diversification.
Published on Aug 31, 2022 11:31 AM IST
ByHT Brand Studio

The third season of HT Friday Finance is here with a fresh tadka

Meet Sanchit and Ananya Jhunjhunwala for some more fun, chit chats and financial gyan as your much-loved financial show, HT Friday Finance, returns with a new Season. This time around, stay tuned for new additions to the cast and crew for a twist in the plot and some extra spice!

The new season takes the plot forward with some more masti, some more fun and a lot more financial gyan!
Published on Aug 25, 2022 12:59 PM IST
ByHT Brand Studio

This is how women can plan their finances before going on a maternity break

When it comes to maternity or parental leave, the situation is tricky for freelancers, especially women what with there being no policy or legislation that provides paid maternity leave for women who are freelancers or working in the unorganized sector

Check your existing insurance plans to ensure you have enough coverage for yourself and your partner and your soon-to-be-born child.
Published on Aug 24, 2022 03:24 PM IST
ByHT Brand Studio

Planning for the festive season expenses without hampering your goals

Owing to the sentimental element that is attached to festival celebrations, most people tend to overlook the importance of having a financial plan in place for managing festival expenses

The awareness about the trickledown effect of festival expenses on other aspects of their finances is largely missing.
Published on Aug 24, 2022 03:15 PM IST
ByHT Brand Studio

Things you should consider when investing in international mutual funds

International mutual funds have emerged as a convenient way to diversify your portfolio and tap into the myriad opportunities present in the international stock markets for wealth creation in the long run

As an Indian investor, you don’t have to go through the hassle of picking the appropriate stocks on international exchanges and the process of investing in these funds is very similar to investing in domestic mutual funds.
Published on Aug 23, 2022 04:22 PM IST
ByHT Brand Studio

Want to lead the digital nomad life? Here is how to prepare financially

Digital nomads lead a location-independent lifestyle – they can pursue a career from any corner of the world and only need a laptop, a stable internet connection, and some technological paraphernalia to continue doing their jobs

If you are planning to travel to multiple locations while working remotely for an extended period, make sure to maintain a top-notch credit score.
Published on Aug 23, 2022 04:21 PM IST
ByHT Brand Studio

This is why equity allocations work better for wealth creation in the long run

If you have never dabbled in equities before, SIPs in equity mutual funds with underpinnings of large cap stocks can be a great way to make a headstart. But, do not liquidate any existing investments in a jiffy should you be looking to test the waters with investments in new asset classes

Although equities also carry risks, what makes them fare better in terms of returns in the long run is the power of compounding.
Published on Jul 29, 2022 04:51 PM IST
ByHT Brand Studio

If you are keen on going back to college in your 30s, plan your finances better

A move to step away from the workforce for a year or two would require you to start managing your money in advance in such a way so that the change in income for the period when you are studying causes minimal disturbance to your goals and duties

Steps should be taken to maintain optimal credit scores and improve them if need be before you opt for a college degree.
Published on Jul 29, 2022 04:49 PM IST
ByHT Brand Studio

Spotting red flags as mutual fund investors

In the world of mutual fund investments, this can manifest in the form of investors being oblivious to potential red flags in any mutual fund scheme. Here are a few red flags that you should be privy to when you go mutual fund shopping

The first step towards picking any mutual fund scheme is to gauge whether a fund fits in to your long term financial plan.
Updated on Jul 25, 2022 05:42 PM IST
ByHT Brand Studio

Navigating troubled waters: How millennials can manage money during a crisis

You will have to be judicious with your financial resources and continue with a forward-looking approach during difficult times too to ensure that the financial side effects do not linger after you have crossed troubled waters

For millennials, money management during a crisis can be overwhelmingly tricky.
Updated on Jul 25, 2022 05:43 PM IST
ByHT Brand Studio

Making your dream vacation a reality with mutual funds

Travel insurance policies provide coverage against emergencies during a trip such as medical woes, flight delays, luggage loss, etc

Mutual funds can be a judicious choice for short to medium term recreational or aspirational goals owing to the flexibility they offer in terms of investment durations and fund types.
Published on Jul 15, 2022 11:45 AM IST
ByHT Brand Studio

How to dabble in equity linked instruments post retirement - Part 1

In this article we introduce the idea of investing in equity linked instruments for retirees. The second part of the article will take a deep dive into each asset class and will do a comparitive analysis of them. 

In the post-pandemic world when interest rates of fixed income instruments have paled considerably, the importance of having equity allocation in the portfolio of retirees has assumed a new definition.
Published on Jun 30, 2022 01:40 PM IST
ByHT Brand Studio

Vet your investment choices. Avoid FOMO based decisions!

The effects of social media-induced FOMO can get amplified if you have friends and acquaintances who seem to be riding on the same wave. Their financial success stories may foster a misplaced sense of confidence and you may end up following erroneous investment advice because of the belief that if they have been able to reap benefits, so can you. 

A bull run in an asset class that starts getting attention on social media can be the perfect recipe for fueling a FOMO based investor movement.
Updated on Jun 27, 2022 11:02 AM IST
ByHT Brand Studio

How to gather capital for starting your own Instagram/Facebook shop?

Technology has not only enabled women to leverage the reach of social media to make their ingenious business ideas a success, but it has also enabled them to acquire new skills in terms of operating businesses without the crutch of a formal education.

The advent of the internet started changing consumption patterns, running businesses from homes became not only feasible but a profitable avenue at that too.
Published on Jun 14, 2022 01:06 PM IST
ByHT Brand Studio

Knowing when to take lumpsum & when to take SIP route in mutual funds game

SIPs are not the only way to invest in mutual funds. The lumpsum route is another option wherein an investor invests the entire amount of what is available with him/her at a given point in time in a mutual fund scheme at one go. Read on to know more!

SIP, which stands for Systematic Investment Plan is one of those terms that serves as the first stepping stone when investors get initiated into the world of mutual fund investments.
Published on Jun 13, 2022 11:58 AM IST
ByHT Brand Studio

Easing the financial journey if you are retired & have dependents to support

While there is no dearth of literature on the financial woes faced by senior citizens, there is hardly any acknowledgement for the tribulations faced by those who are in their golden years and who have to provide for their children or grandchildren.

If you have the responsibility of your grandkids then you should invest in equity MFs for their education
Published on Jun 02, 2022 07:33 PM IST
ByHT Brand Studio

Rising inflation and money management - the way ahead for pensioners

To make sure that your investments do not get eroded at a faster rate due to high inflation you have to invest some part of your portfolio in inflation hedging investments. 

In India, elderly people depending on their children and close relatives for their financial needs without a solid safety net is a common pattern.
Published on May 27, 2022 08:01 PM IST
ByHT Brand Studio

How to realistically manage money if you have a spending problem

The spending habits of millennials are fundamentally different from their parents and short-term goals and experiences take a higher precedence for them than long term goals. Read more!

The penchant for short-term gratification, new experiences and following one’s passion has made money management a challenge for many millennials.
Updated on Jun 09, 2022 12:16 PM IST
ByHT Brand Studio

How can women in their 60s invest to tick off items from their bucket list

For ticking items from your bucket list, you should choose suitable products keeping the time horizon in mind.

Mutual fund investments have become extremely convenient these days and women can make the most of it
Published on May 18, 2022 01:52 PM IST
ByHT Brand Studio
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