Spenny Blog

By HARSH AGARWAL

14th Jun 2022

Asset Class

Growth vs Dividend Funds

A caveat to Mutual Fund Investing is that one's capital needs to remain invested for a long time to generate the aimed returns. This might not be an excellent option for some investors who'd rather have a constant income stream than a lump sum maturity amount. A dividend fund is a tailor-made fund for such investors. Let us look at these funds and how they compare to growth funds. What are dividend funds? As the name suggests, dividend funds are the ones that provide the investors with dividend...

By HARSH AGARWAL

10th Jun 2022

Economics

Falling rupee and the echoes of its clink!

The tumbling rupee against the US dollar has caused a headache to policymakers and economists all around the country, and the common person continues to search for a reason to care. While the fall can be attributed to countless reasons, let us look at the ones that have had the most recent impact. Who decides the value? Before getting into the reasons for the plummeting rupee, one must understand that neither of the sovereigns that back the currency directly influences its value against the ot...

By Shlok Kamat

13th Jun 2022

Investment 101

Using the Price-to-Book (P/B) Ratio to Evaluate Companies

Warren E. Buffet is undoubtedly the most terrific value investor of our time. 20.1% is the CAGR of his portfolio from 1965 to 2021 as opposed to the 10.1% of the S&P 500 index. Many retail investors aspire to have a portfolio that mimics Buffet's performance. The adage 'buy low, sell high' works well. So does the excellent advice 'invest for the long-term. But specific technical parameters, ratios, and numbers will give investors a more detailed picture of the company stock they are pumping ...

By Shlok Kamat

12th Jun 2022

Investment 101

Financial Planning

Financial planning is a comprehensive evaluation of an individual's current pay and future financial state using known variables to predict future income, asset values, and withdrawal plans. In other words, it is a step-by-step approach to meeting one's life goals. Planning begins with a thorough evaluation of the person's current financial state and future expectations and may be created independently or with the help of a certified financial planner. Steps to Build the plan What is my net wor...

By HARSH AGARWAL

3rd Jun 2022

Union Budget 2022

Union budget 2022: The one with a tinge of crypto

News channels are going bonkers, a visible market uncertainty, and the family is listening closely to the news anchor with unparalleled attention. There are no points for guessing; this is a usual Union Budget morning in an Indian household. On the 1st of February 2022, the finance minister elaborated on the bahi-khata of the world's largest democracy to the lower house of the Indian parliament. Let's see what this budget had for investors! Surcharge capped at 15% The surcharge is an additio...