In today’s rapidly changing economic landscape, retirement planning has become indispensable. It involves the strategic allocation of funds towards building a financial cushion for the future.

The essence of retirement planning goes beyond mere financial security; it encompasses the vision of a life unburdened by financial constraints and marked by independence and divinity.

As you embark on this journey, the timing of your investment plays a pivotal role.

Starting early allows for the maximization of benefits through the owner of compounding, laying a solid foundation for a secure and fulfilling retirement.

One of the biggest advantages of investing in Mutual Funds as opposed to other sources of savings and investments is the liquidity it offers.

To add to that, these days redemption can be executed online too.

So in order to check how long it would take for the redemption amount to be deposited in your registered bank account, SEBI had mandated all the fund houses to make their mid and small cap funds to undergo mutual fund stress tests.

Investors are today bombarded with information left, right and centre.

This overflow of information is at an unprecedented level today due to how easily information can be disseminated these days.

Point to consider here is that information does not necessarily imply that it is true, a lie is easier to spread but the truth is sustainable.

Information and knowledge are not the same, the former may be right or wrong but the latter is mostly right.

Humans are more glued to their screens than ever and therefore it is easier than before to accumulate views, in the process of gathering such views we often overlook the simple yet very important point that such views are more general in nature than personal.

There is a very good reason why they say the Person in ‘Personal Finance’ is more important than the Finance.

The New Year is here and with that is the arrival of several New Year resolutions which usually revolve around health and personal growth, maybe it’s time we add healthy financial practices to the list too.

The world is becoming even more geo-politically volatile which has in turn resulted in rising living costs, job uncertainty and the ever increasing need to have a safety net.

Let’s look at some healthy and safety practices you should ideally adhere to from this year onwards.

Equity investing as a term evokes mixed emotions, mostly sliding on the side of greed and misinformation.

This can be further ascertained by the contribution of retail investors to the equity markets that is still in single digits.

A major roadblock to a scenario of higher retail participation more than anything is simple misinformation, far too many folks are either consumed by fear or are in it for the wrong reasons.

Imagine getting upset at the officials for arranging a football game at a football stadium when you were all decked up to watch a game of cricket , sounds silly doesn’t it?

In a similar vein volatility in equity investing should not deter you, rather one should embrace it like a feature of it, in a manner similar to a drinks break in a game of cricket.

Audience cheering from the outside does not win a game, the participants do and so the only way to have any possibility of winning is by participating in the game.

A Systematic Investment Plan (SIP) is a popular and affordable method via which you can invest in mutual funds.

Minor but periodic addition to your mutual fund portfolio can leave you in awe without much effort from your side.

This approach is also a worthy option in case you wish to commence your SIP journey small and gradually increase your amount.

Any increase in salary should be accompanied with an increase in your SIP.

Whenever the equity markets hit a new high, it brings along with it a unique set of challenges for investors.

Often many of these challenges are self-inflicted and easily avoidable, humans are anything but simple though.

Investors tend to grapple with fearing a market crash to pondering over an exit with the intent to re-enter the markets at an imaginary low.

Such scenarios have their origin in the belief that making money in the market means buying low and selling high, a very easy method to spot a trader in the garb of an investor.

If you are a long term investor but at the same time if your opinion and beliefs can be swayed easily by market movements then maybe you are not one but how does one wake up someone pretending to be asleep but not asleep?

Equity Investing is simple but not easy, the inability to discern between the two and the urge to reinvent the wheel often leads one in a soup.