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Regulated P2P Lending v. Bonds? Factors retail investors must consider
The last two years have been a roller coaster ride for investors across the globe with varying degrees of ups and downs. At the very least, it has yet again reminded investors of a very crucial lesson, portfolio diversification. With a few years of perpetual positive returns from stocks and the newfound crypto market, investor sentiment was at an all-time high. However, things have now changed and even millennial investors who are typically known for their risk appetite are looking for safe and stable fixed income investments. When it comes to fixed returns, bonds have been the all-time favourite for decades in part due to limited options. With new investment avenues becoming accessible to average investors, it is now a fair question to ask, are bonds still worth it? And how is the RBI-regulated P2P Lending emerging as a challenger? Let’s take a deep look at how these two promising fixed-income investments fare against each other, especially in the current market...
The Perils of a Simple 60/40 Portfolio And why the standard stocks+bond portfolio has underperformed
Portfolio diversification can have different meanings for different individuals, based on their financial plans and goals. However, balance between growth and stability is almost certainly a feature of any diversified portfolio that most of us agree with. A 60/40 portfolio is one such no-brainer diversified portfolio with 60% invested in stocks and 40% in bonds and other fixed income investments. For decades, this has been the typical manifestation of portfolio diversification and has benefited at least a couple of generations. Let’s find out if a simple 60/40 portfolio is relevant anymore. Since early 2000s, there have been multiple instances where the stock markets have been battered by recurring pitfalls and at the same time, even infallible fixed income assets have washed away billions. It appears that a 60/40 portfolio is no longer the wealth creator it used to be, and in fact, even passive index investing can give more returns than a simple 60/40...
5 ways to Save & Invest when inflation is high
Inflation rates have been soaring across the globe, and you likely felt the pinch of rising expenses. High inflation is decreasing the value of cash sitting in our bank accounts. Consumer inflation is touching 8% and your personal inflation rate may be even higher. While moderate levels of inflation may be good for the economy, high inflation is bad news for you as a consumer and as an investor. Experts suggest that inflation is likely to remain high for some more time. Here are some tips to counter the impact of inflation on your finances: 1. Measure i.e. estimate your personal inflation rate. You can do this by simply comparing your expenses on regular items between two time periods. You can also choose from many of the expense management tools available today. The consumer inflation number is a consolidated figure representing the standard weights of different categories of spending. For instance, food inflation is...
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