The Wealth Architects

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(Precious) Words of Wisdom : "Risk comes from not knowing what you’re doing." ~ Warren Buffett

Mutual Funds: Creation Of Segregated Portfolio (Side-Pocketing) Decoded

In recent months, there have been a few companies (like IL&FS, DHFL), which have delayed or defaulted in making timely repayments of interest/principal. Accordingly, their credit rating has been downgraded.

Consequently, the debt mutual funds, which had invested in the debt securities like NCDs issued by such companies, have been adversely impacted.

Why Inverted Yield Curve Is A Sign Of Recession

In recent weeks, we have repeatedly been hearing and reading (and maybe even experiencing) about how the economy is facing rough weather.

Moreover, this troublesome phenomenon is prevalent both across the global and local economy.

Whatever may be the reasons — US-China trade war, US-Iran tensions, Brexit, India's NBFC crisis and more — the fact remains that the economic situation worldwide is rather stressful.

(Strange) Changes In Life Insurance, Pension Plans And ULIPs

Last month, IRDAI (Insurance Regulatory Authority of India) announced various changes in the Life Insurance Policies, Pension Plans and ULIPs (Unit Linked Insurance Plans).

These modifications are supposed to make these plans more customer-friendly.

Unfortunately, some of the amendments don't make practical sense and are rather pointless.

5 Smart Steps to Manage Debt

Note: This article is a syndicated post and originally appeared on TrueCredit.

For many, debt is a four-letter word and is accompanied by feelings of dread, denial, even despair. Especially if you have a lot of debt, gaining the upper hand on it can seem hopeless.

Fortunately, there are proven strategies you can start using, whether you want to avoid debt or really need to get a handle on it.

Why Credit Scores Are Like Grades

Note: This article is a syndicated post and originally appeared on TrueCredit.

The simplest way to understand your credit score is to think back to your school days.

Think back to a time when your performance was measured in letter grades. Basically, having a great credit score is equivalent to being an A student.

Don't Play Like Dhoni For Your Financial Goals

India lost the World Cup semi-final match. A lot has been said and written about it.

Well, here's my take on India's 'unexpected' defeat... Dhoni.

We lost the match because of Dhoni's strategy.

Virat Kohli said it was 45 mins of bad cricket. Wrong! It was 2 hrs of bad cricket (by Dhoni).

Virat Kohli said we lost the match because of bad shot selection. (Partly) Wrong! We lost the match because of non shot selection (by Dhoni).

Public Issues of Sovereign Gold Bonds in 2019-20

In end-May 2019 the Central Govt., through the Reserve Bank of India, had announced the calendar for four Public Issues of Sovereign Gold Bonds till Sept 2019.

One public issue has been scheduled every month – designated as Series I to IV – beginning from June 2019 to Sept 2019.

Salient features of the same detailed below:

An Investment In Knowledge Pays The Best Interest ~ Benjamin Franklin

You Learn A Lot By READING... And Even More By SHARING.

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Ignorance is like a SIGNED BLANK CHEQUE... anyone can MISUSE it.

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... Three VALUABLE Tips ...

1. Fake News On Investment: Absolute Vs Annualized Return
Absolute Vs Annualized Returns
Whatever may be the source of news, always crosscheck and verify.


2. Tax-Free NPS Withdrawal Hiked To 60%. But Don't Say Wow.
Say No to NPS
It's a thumbs down for the NPS (National Pension System).


3. Many Credit Card Bills Equals Many Problems
Credit Card Problems
Warning! The joy and happiness from Credit Cards is momentary only.