It has been a roller-coaster ride for sure. I had kept several goals for myself and have been able to achieve handful of them. I am glad that many of you have found my blogs useful and educational . The aim was to help individuals understand the complex maze of financial planning and therefore pick the right kind of mutual funds . I have been able to help investors choose the right mutual funds and they have a broad grin when they look at the returns.

Credit Risk funds - the name itself - conjures a mental image that one should not “risk” their money in such funds. When the name itself has “risk” , then the fund itself must be “very risky” . Such kind of imagination and biases will drive us away from the fund, despite the fact that they may give very good returns. However, one needs to check whether , such funds are a “true fit” for an individual .

Your future is created by what you do today

In 2014, I was keen to plan for my retirement. I was not sure how to go about. As you are aware, our current jobs do not provide any pension and thanks to the medical advances , people ending up living much longer than our predecessors. Therefore a significant portion of our life, we would be living and not earning. I am sure you have heard the story of The Ant and the Grasshopper. Similarly, for many of us, we need to save to reach that retirement. The earlier we start, the quicker we reach our goal!

One of the common questions that investors ask me - where should I invest my money ? Fixed Deposit is giving a paltry return of 5 % . Is there any other investment avenue where I could get better return than this ? If you are facing a similar dilemma in this time and age, you are not alone. The answer is simple and it requires a process to be followed.

IPO

An initial public offering (IPO) refers to the process of issuing shares of a private corporation to the public in a new stock issuance. This allows the organizations to raise capital from public investors. The purpose of IPO could be various, but the primary being to raise capital for business.