Financial investment ideas: Need innovation in product and packaging

Financial investment ideas: Need innovation in product and packaging

There is a fundamental difference between financial investment products and other conventional products we consume. Investments have no ‘product’ with a look and feel. You are sacrificing your current consumption, expecting to get back a higher amount in future. An investment ‘product’ is created by a manufacturer through the brochure/other literature, and the terms are … Read more

Investment and jugaad: How this Pune executive achieved financial independence at 46

Investment and jugaad: How this Pune executive achieved financial independence at 46

Amit Upadhyaya, a Pune-based corporate executive, has achieved financial independence at age 46. Despite working for a French multinational (Dassault Systemes) for two decades, Upadhyaya does not credit his wealth to a high corporate salary or employee stock options. He sees it as the outcome of investing in the right stocks and funds and holding … Read more

Securing 25 years of retirement: A guide to income and wealth management

Securing 25 years of retirement: A guide to income and wealth management

I’ve retired at 60 with a corpus of ₹4.3 crore and my monthly expenses are ₹2 lakh. With a life expectancy of 85, how should I invest to maintain steady income while preserving my corpus? I am considering real estate, high-dividend stocks, and systematic withdrawal plans (SWPs). How can I diversify to balance growth, risk … Read more

Serial entrepreneur to mutual CEO, Varun Gupta on his investment journey

Serial entrepreneur to mutual CEO, Varun Gupta on his investment journey

Financial planning and a disciplined savings plan are key to a secure future and peaceful retirement years. The process involves a timely start, strategic decision-making, discipline, and wise investments. In the latest episode of Let’s Mint Money, presented in collaboration with Groww Mutual Fund, Varun Gupta, Chief Executive Officer (CEO) at Groww MF offered Editor … Read more

Buying vs. Renting: Why did Nikhil Kamath eventually decide to buy a house?

Buying vs. Renting: Why did Nikhil Kamath eventually decide to buy a house?

Nikhil Kamath, co-founder of Zerodha, and True Beacon, an asset management company, after repudiating the idea of owning a house for a long time has eventually caved in, and decided to buy one. He made the revelation recently on his WTF podcast with real estate tycoons Irfan Razack, chairman and MD of Prestige Group, Nirupa … Read more

So you’re looking to buy a new home. Should you think like SRK or Warren Buffett?

So you’re looking to buy a new home. Should you think like SRK or Warren Buffett?

A report by Anarock found the demand for 3BHKs has now surpassed that of 2BHKs, and the sale of high-end apartments (above Rs.1.5 crore) has increased nearly four-fold since 2021. Meanwhile, demand for affordable housing (below ₹40 lakh) fell to 21% of homebuyers in the second half of 2023 from 25% in the second half … Read more

AIFs face risk of large investors moving away as Sebi tightens rules

AIFs face risk of large investors moving away as Sebi tightens rules

AIFs include private equity, venture capital and hedge funds, besides other privately pooled instruments that invest in real estate to commodities. Such investments usually carry higher risk and are targeted at high-net-worth or wealthy investors. Also read | Prop, retail see decline in F&O turnover ahead of Sebi curbs taking effect The Securities and Exchange … Read more

Many investors believe you can’t suffer losses in real estate. That’s just false.

Many investors believe you can’t suffer losses in real estate. That’s just false.

Let’s consider a real-life example. A friend of mine owned a property for which he was getting offers in the range of ₹4.25 crore to ₹4.5 crore. However, he was determined not to sell for anything less than ₹5 crore. He held onto the property for five years and finally sold it for his desired … Read more

How a 55-year-old Bhopal architect built a ₹2 crore NPS corpus for a secure retirement

How a 55-year-old Bhopal architect built a ₹2 crore NPS corpus for a secure retirement

Khare initially connected with a Mumbai-based financial planner who was also a mother to an autistic child. This introduction to full-scale financial planning was a revelation, but the distance proved impractical. Read this | How this Mumbai couple rebuilt their finances after going bust “I needed an advisor I could meet in person when I … Read more

From young investor to seasoned pro: How to evolve your strategy with life’s changes

From young investor to seasoned pro: How to evolve your strategy with life’s changes

As you move through the various stages of life, your financial needs, goals, and risk tolerance naturally change—just like the terrain you’re driving through. What worked for you in your 20s might not be the best approach in your 50s. That’s where life cycle investing comes in. It’s a strategy that adapts your asset allocation … Read more