Permanent portfolio: How the fixed asset allocation strategy can help a lazy investor

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WEALTH NEWSLETTER Tue, Oct 06, 2020 | 09:01 AM IST

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Permanent portfolio: How the fixed asset allocation strategy can help a lazy investor The permanent portfolio concept was introduced by investment analyst Harry Browne in his book Fail Safe Investing. He says a fixed portfolio guards investors against mood swings and the resultant wrong investment timings. Since this can be easily executed, the strategy saves time, effort and money that would have otherwise gone to the adviser. Should you join the IPO rush? These factors should help you decide Three recent IPOs, in particular, have set the stock market on fire. With more IPOs lined up, investors have an abundance of choice. However, market experts recommend exercising caution when entering through the IPO route. Podcast: What is a good credit score and how you can improve it In this week's podcast, Sathya Kalyanasundaram of Experian India talks about the parameters used in determining one's credit score, what is a good score and what can bring down your score. Host: Tania Jaleel; Producer: Paramveer Singh Retirement planning: Understand how inflation 'decompounds' income to avoid old-age poverty People understand returns but they do not understand inflation. They understand how income compounds but do not understand how inflation 'decompounds' it. Prices will rise and the money will not be enough. In a decade or so, they will be looking at the biggest tragedy of retirement. From our Partners What is making your medicines safe to consume From our Partners Doing this can improve decisions, help serve clients better Analytics plays a vital role- it helps study patterns, understand the trends, improves the quality of decision making and helps governments fight the pandemic & businesses serve clients better. Should long-term investors invest in BFSI stocks trading at low valuations? Despite the stock market recovering from the lows of March 2020, some sectors like financial services are still down. Stocks of the BFSI sector is trading at low valuations now. Should investors rush in to buy because these stocks are going cheap? No, say experts. AMCs may reclassify existing multi-cap mutual funds as focussed schemes: Should you be worried? As per Sebi definition, a focused mutual fund is allowed to hold only 30 stocks in its portfolio. While some of these mutual fund schemes are highly concentrated, lack of concentration is the problem with several other focused funds. Top Mutual Funds SCHEME NAME RATING 3 YRS(%) 1 YR(%) 6 M(%) 1 M(%) Axis Bluechip Fund Direct Plan-Growth ★★★★★ 10.89 4.51 28.71 1.63 Invest Now Canara Robeco Bluechip Equity Fund Direct-Growth ★★★★★ 10.19 12.69 37.11 1.35 Invest Now Axis Bluechip Fund-Growth ★★★★★ 9.47 3.28 27.85 1.52 Canara Robeco Bluechip Equity Fund Regular-Growth ★★★★★ 8.81 11.08 36.06 1.20 ICICI Prudential Sensex Index Fund Direct - Growth ★★★★★ 8.17 4.77 41.50 1.58 Invest Now Home buyers must know these terms and concepts before buying a property How much do you know the mind behind your potential property? Homebuyers should get familiar with jargon used by builders in order to make an informed choice. ET Wealth explains the terms and concepts to prospective buyers before they embark on a real estate journey. How to transition from double income household to a single income one Have you been the victim of income shortage or loss due to coronavirus-led job loss, pay cuts etc.? Utilise your out of job time to upskill yourself in order to improve career prospects. Here are money management tips for a life with lower income.

FEATURED SLIDESHOWS

Why your NPS account may become inactive and how to reactivate it How taxpayers should start the ITR filing process What equity investors should do to their portfolio during volatility What taxpayers will now see in Form 26AS while filing ITR More Slideshows

Financial Calculators Old or new tax slab regime? Use this calculator to find out This tax calculator will help you estimate your tax liability. Just input your personal income details and know how much you would be liable to pay. New LTCG tax calculator: Plan, compute your tax Use this tool to calculate long-term capital gains (LTCG) and the corresponding LTCG tax for listed shares and units of equity-oriented mutual funds.

Covid has shown that timing, nature of risk are unpredictable: Swati Kulkarni, UTI AMC "Over the medium term, corporate earnings are likely to improve as the policies announced in the area of agriculture, labour and manufacturing could lead to higher productivity and economic growth. The government may boost infrastructure development by leveraging the corpus of NIIF," says Swati Kulkarni of UTI AMC. HDFC Taxsaver mutual fund review: Why this scheme will take time to turn around This tax-saving fund takes a sharper large-cap tilt compared to peers in its category. While the fund's longer term track record of outperformance remains intact, it has slipped sharply in recent years. Its risk-reward profile has also suffered. How gold, silver performed during the week ending October 1, 2020 You can also make money by investing in wine and the Liv-ex Fine Wine 50 Index from Bloomberg. It tracks daily price movement of the most heavily traded commodities in the wine market. Muthoot Finance valuation reasonable despite outperformance: Here's why it is stock pick of the week Muthoot Finance, despite having significantly outperformed other NBFCs in the past six months, is currently trading at reasonable valuations. Also, the company now offers a unique combination of strong growth and low asset quality risk. Realty hot spot series: A well-connected residential area in Mumbai Kanjurmarg-Bhandup is an eastern suburb in Mumbai. An established residential market with decent social infrastructure, this area stands out among the suburbs. Here are other draws of the locality that make it a real estate hot spot. How retail investors can buy government bonds via NSE goBID Bids can be placed on the goBID web platform or the NSE goBID mobile app. The investor needs to login and place the bid by selecting the security and making an online payment. Here are the steps to register. Why farmers fear the new farm bills: View The farm bills project a market place where the buyer seems to have the upper hand. Exploitative bargaining of the large buyer is a feature the farmer is familiar with. In his mind the new bills just replace the old APMC with the new corporate buyers. MF portfolio doctor: Magar should exit underperforming mutual fund schemes to achieve money goals Neha Magar is investing for her son's education and marriage. The portfolio doctor has advised her to dump laggards and switch to winners. Here is what you can learn from her portfolio check-up. What is 'alpha' in equity investing? Alpha is an estimated value of a stock's expected excess return. Simply put, alpha is the difference between the investment return and the benchmark return (eg. NSE Nifty) or what the scheme generates over and above the returns of its benchmark index.

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