What to ask yourself before making any investment moves as the market falls

As the stock market sinks, you’ve probably already heard not to check your 401(k). Yet when it comes to steering your personal financial plan in a turbulent time, it’s still wise to take a proactive approach, according to Michael Liersch, a behavioral finance expert and global head of wealth planning and advice at JPMorgan Chase. Generally, people tend to take one of two strategies to uncertain markets, Liersch said. Either they decide on action no matter what or stick to a do-nothing approach. Those extreme approaches tend to happen when individual…

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Portfolio Planning: Investment tips in the times of coronavirus

At some point when the stock markets stabilise, your returns from gold will slow down, but your equity returns will start improving again. The markets are reacting to the spread of the novel coronavirus. China sneezed, and the global economy went into a tizzy. Globally, stock markets are in a spin. Investors are worried. What should they do with their investments in a tough economy? Eyes on your goals First and foremost, always remember why you started an investment. Any investment must be tied to a specific goal. When you…

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Debt Funds vs FD: Know Which is the Best Investment Option

For risk-averse investors who want fixed returns, there are two options: bank fixed deposits and debt funds. While both offer fixed returns and are relatively risk-free, especially when compared to equity investments, there are significant differences between the two. Let’s look at the differences between debt funds and fixed deposits so that you can figure out for yourself which one’s best for you: Debt Funds vs FD: Differences between Debt Funds and Fixed Deposits Variety: When it comes to fixed deposits there’s not all that much of variety. You can invest…

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The State of Sustainable Investing in 2020

During the past decade, governments across the world have promulgated more than 500 new measures that seek to promote the use of environmental, social, and governance (ESG) criteria in making investment decisions. A comprehensive report from global public accounting and consulting firm KPMG International explores these three broad issues related to sustainable investing and its impact on the alternative investment industry: the rate of progress in implementing sustainable investing, the barriers to more rapid progress, and responses to these barriers.1 Study Participants The KPMG report was produced in collaboration with CREATE-Research, “an independent research…

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China’s tech services are a top investment pick amid decoupling with the US, says CITIC Capital CEO

Consumption, healthcare and technology are three sector picks for investing in China, said CITIC Capital’s top executive on Tuesday. “For us, the top priority … is still on consumption, because it’s still growing at a higher rate than GDP growth,” said Zhang Yichen, chairman and CEO at CITIC Capital, the flagship investment arm of Chinese state-owned conglomerate CITIC Group. China’s GDP growth was 6.1%, down from 6.6% in 2018 as the economy took a hit from its bitter trade war with the U.S. Speaking to CNBC at the World Economic Forum in Davos, Switzerland, Zhang said health care is…

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Why we need government schools: They are the only educational lifeline for 60% of India’s children

There is change in our government schools if one cares to look for it. In a survey my colleagues conducted in 2005 in northeast Karnataka, only four out of ten schools had obtained uniforms and books in time for the start of the academic year. Today, this number has more than doubled. Nearly every school I visited had planned and procured books and uniforms well in time, even if it meant that their teachers had to sacrifice some holidays. In most schools that we visited, attendance was over 90 per…

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