Kaustubh Kale

One of the most common questions investors ask is: “Which investment should I choose?” The real answer is that no investment is good or bad in isolation. A simple way to judge any investment is the RRLT framework - Risk, Return, Liquidity and Time Period. Before investing in any product, all four factors should be seen together. 1. Return Return is the reward you expect from the investment. It may come in the form of interest, dividend, capital appreciation or regular income. Naturally, every...

In mutual funds, investors often hear three important terms - SIP, STP and SWP. These may sound technical, but they are actually simple and powerful facilities provided by mutual funds. They help investors invest, transfer and withdraw money in a disciplined and automated manner. Systematic Investment Plan This is the most commonly known concept. In an SIP, a fixed amount is automatically debited from your bank account on a fixed date and invested into selected mutual fund schemes. For...

As the new academic year starts, many parents once again experience how quickly education costs are rising. School fees, tuition classes, books, uniforms, transport, extracurricular activities and other expenses keep increasing every year. As your child grows older, these costs only become bigger, especially when it comes to graduation, post-graduation, professional courses and foreign education. A child’s education is not only an emotional priority for parents but also one of the biggest...