Posts tagged ‘Money Management’

January 2, 2012

Financial Resolution for the New Year

The new has already knocked the door and we are celebrating it like never before and we should do this. But while celebrating we should move to new year new approach towards our life, so is to our finances. We should ensure that we are having some realistic financial resolutions this year. Not some very big and artificial ones like previous years just to forget once more. Those who don’t have such habit of making a resolution and sticking to it forever should start with some easier ones.

read more »

November 21, 2011

Sensex and Nifty Falling on Selling Pressure

The Indian stock market benchmark 30 share BSE index Sensex fell by over 191 points in opening trade on Monday, 21st Nov 2011, because of worries about the slowing economic growth in Indian economy and sluggish policy initiatives at different levels and sectors, ailing airline industry as well as uncertainty over the euro zone debt crisis has resulted into lack of confidence in investors in stock markets.

read more »

October 13, 2011

Future of Indian Stock Market

Indian stock market has been very volatile since long. And the future is unexpected. The investors have got confused.


For long term investor the Indian stock market has provided no incentive to invest in the market. If the Sensex of BSE is taken as indicator of the stock market performance Indian stock market, then it is crystal clear that the stock market has no incentive to invest as the Sensex has been in the same range since months.

read more »

October 12, 2011

Tough Time for Indian Stock Market in 2011

Indian stocks market has been witnessing huge ups and downs since last few weeks. Initially market fell sharply then it recovered steeply. Both situations are contradictory to each as there has been nothing special that has changed in the economy. This has made life of an ordinary investor very difficult. For anybody to know the direction of the market is a question of huge importance.

Indian stock market in tandem with other global stock markets has become so choppy that following a strategy of not investing at all seems to be the right strategy. These regular swings in stock prices are robbing ordinary investors. They are losing their hard earned money for no faults of theirs.

read more »

September 29, 2011

What is Rupee Cost Averaging

There are many investors who prefer to invest in lumpsum into an asset class and forget about it. And there so many investors who are not able to invest in an asset class at one go. So they do it by investing a fixed sum regularly.

When one invests in any asset in one go s/he buy the asset at prevailing price at that time. S/he is not get affected by price of asset at the buy price as her/his buying price is fixed. But one who invests a fixed sum regularly s/he buys assets at different prices.

In financial market there is always volatility. So price of assets changes. Some times the price increases and some times the prices falls. And an investor who keeps investing regularly is forced to buy the assets on the prevailing prices.

read more »

September 27, 2011

Plan Your Retirement

One day everyone has to retire from the work. So it’s quite obvious that the capacity to earn will go down after the retirement or in maximum of cases, the earning capacity is often nil. But life does not stop after the retirement. It continues so the need for financial support is most sought after. After the retirement you need a secure source of money. “How will you have a secure source of income?” this is a question that often haunt everyone prior to retirement as well as after the retirement. The answer to this question is that it is you and your own money that works for you. To this end you need to get your finances and retirement planned. Always remember that there is no age criteria to start financial and retirement planning. But yes it is advisable that as early you start better and easier it is to achieve your financial and retirement goals.

read more »

September 27, 2011

Power of Compounding

Wherever you invest your money- stocks, mutual funds, bonds, fixed dopiest, bank saving account or any combination of these, the reason behind this is to save money for future purpose and let them an opportunity to grow over the time. A long time period is given to investments with a purpose to provide opportunity of compounding. The power of compounding is such that it converts a few pennies into millions over the time. Because of power of compounding a small sum of money gets an unimaginable size given enough time. Compounding is main reason behind any investment. Compounding helps investments to grow bigger. Compounding is the king.

read more »

September 27, 2011

Take Care of These Rules before You Invest

Investment is an activity that requires so many things ingrained from knowledge, skills, resources and experiences. But it is known to you that it can be done without any hush-hush by taking care of some basic things and rules. Those basic roles are as below:

  • Have an investment plan and goal in place before you make investments.
  • Don’t have over expectation from any investment. Never ever think that any investment is going to give you 10 times return in few months.
  • Learn to ride on the tide. This means try to cash market fluctuations grabbing right opportunity to earn some money.
    read more »

September 26, 2011

Get Out of Debt Trap

One often takes the route of debt to satisfy his/her needs when the needs are beyond his/her financial capacity. At that point of time s/he feels blessed but if this is not managed properly, this blessing turns out to be a curse and then s/he feels cheated and finds her/him caught in a trap of debts.

Various Forms of Debt

There are so many kinds of debt available in the market; formal as well as informal. You can borrow in such ways:

Credit Cards: These are the most risky debt available in the market. The cost of credit card loans ranges between 35%- 50% per annum. Use only when it is necessary.

read more »

September 26, 2011

Money and Inflation

Money is a commodity that is in huge demand and needed by everyone in the society but in limited supply. Money is what that is needed to satisfy all needs this is able to buy what you want or wish for. This should be supplied consistently and in enough amount then only we can meet our needs timely and fully. But over the period of time the demand for money increases to satisfy those same needs. It may seem to be strange but this true. And more shocking truth is that everyone wants same to happen and governments support this.

read more »