Archive by Author Kushal Jain - Team MoneyWorks4me
Investors…Beware of these behavioural biases! – 2

Investors…Beware of these behavioural biases! – 2

In our last blog, we talked about some of the behavioural biases and mental pitfalls investors suffer from. We ended our blog with a promise of more to come! So here it is… a few more behavioural biases and ways to overcome them. Permanent bulls and permanent bears: We have this habit of hanging on to our views for too long and are able to adjust very slowly. In the stock market, there are some who are permanently bullish and some who are permanently bearish, about the market. Both generally fail to make money in the market. A general observation about analysts is that they are reluctant to change their stance (from buy to sell or vice-versa) even when the facts demand a change. Primary reason for this is the fact that the analysts have spent time and effort in coming up with those views in the first place. This […]

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Investors…Beware of these behavioural biases! – 1

Investors…Beware of these behavioural biases! – 1

It is a common perception that investing is all about having the right knowledge about the dynamics of the market, the sectors and ultimately the investible companies. However, knowledge is not the only thing that matters. Even the most knowledgeable investors may not be successful investors, if they are not able to control their emotions. Investing is not just about finding the right stocks, buying and selling them to make a profit. Finding the right stock is a very important step, but in addition to this, what ensures sustained success in investing, is control over behaviour and emotions. In his book on Behavioural Investing, author James Montier touches upon such non-financial aspects in the field of investing. He highlights some of the most destructive behavioural biases and common mental mistakes often made by investors leading to investment losses. Appropriately, the book is titled ‘The Little Book of Behavioural Investing: How […]

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NPS – Is it the best way to plan your retirement?

NPS – Is it the best way to plan your retirement?

In our last week’s article on new pension scheme, we told you what an NPS account is, what its key features are and how it works.

But, is it better than other retirement schemes? Does it provide better returns? What are its disadvantages? Let’s find out in this article…

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The New Pension Scheme (NPS) – all you need to know about it!

The New Pension Scheme (NPS) – all you need to know about it!

You may be aware of the young average age of the Indian population, with more than 50% being between the age of 25-50. By 2050, most of them would be approaching their retirement. Moreover, with improving life expectancy, tomorrow’s retirees will need to accumulate a bigger corpus for their sunset years. The way to ensure this is good retirement planning.

So, have you planned for your retirement yet? If not, lets learn about an instrument that helps you plan your retirement in a disciplined manner, along with the provision of tax benefits i.e. NPS. Read on for more…

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