How to Choose a Debt Mutual Fund

Hopefully you have read my post on how to choose a mutual fund. This post is kind of an extension to it. I will specifically explain what things you need to look for when picking a debt mutual fund as opposed to the general advice given in the other post. While I don’t consider myself an expert, I will give you some tips based on my experience. But first, the usual disclaimer: Disclaimer: Information provided in this blog is to help educate you. Any mutual fund, company or stocks mentioned within the post are used only as examples, and should not … Continue reading “How to Choose a Debt Mutual Fund”

Debt Funds vs Fixed Deposits

If you ask someone whether Fixed Deposits are better or Debt funds are better, more likely than not, you will hear a biased answer towards either of them. Some swear by FDs and their safety, while others say debt funds always give better returns than FDs. Lets bust some myths and try to get an understanding of how these two types of investments work. Before going any further, if you are eligible for Senior Citizen Saving Scheme (SCSS), then I would say that is the best fixed asset option for you, if your investment is less than Rs. 15 lakhs. … Continue reading “Debt Funds vs Fixed Deposits”

How to Choose a Mutual Fund

We’ve all heard it — don’t choose a mutual fund just based on past performance or star rating. Then, how does one go about choosing a good fund? That is the question I want to answer today. While I am not expert at picking a good mutual fund, I did have my share of bad pickings and hence have had some wisdom knocked into me. So here are some tips on how to choose a good mutual fund based on my experience.    Disclaimer: Information provided in this blog is to help educate you. I am not suggesting that is … Continue reading “How to Choose a Mutual Fund”

Should You Retire Early?

Early retirement is not for every one, and it is not like everyone need to retire early. Don’t blindly follow the bandwagon and join the F.I.R.E (Financial Independence Retire Early) cult. You subconsciously know who you are, and whether early retirement makes sense for you. Here are some reasons why you may not want to retire early.   You don’t know what you will do with all the free time Just imagine, once you have achieved the goal of early retirement, and if you sit down to think “what’s next?”, then boy are you in trouble. You should already have … Continue reading “Should You Retire Early?”