Articles
July 7, 2023
The Game of Investing: Lessons from English Premier League and Fantasy Premier League
Last month the English Premier League’s (EPL) 2022-23 season ended with Manchester City crowned as the champions. EPL is an interesting format and one that is closer to the game of investing and life. Instead of deciding the winner by having the final match or game of the tournament played between two remaining contenders, the winner is decided based on the performance over the entire season. The team that accumulates the maximum points over the whole season wins. The result is a heightened focus on process over heroics – at least, that’s what differentiates the true champions, teams who stay in top-4 over several seasons.
July 7, 2023
The Explosive Growth of WealthTech: Revolutionizing Personal Finance
In recent years, the financial technology sector has experienced remarkable growth, revolutionizing various aspects of the financial industry. Among its many subcategories, WealthTech has emerged as a force to be reckoned with. WealthTech encompasses a range of technologies and platforms aimed at enhancing wealth management, investment advisory services, and personal finance. This article explores the phenomenal growth of WealthTech and its transformative impact on the way individuals manage and grow their wealth.
June 19, 2023
De-dollarization – The Global Movement towards Monetary Independence
The global economy has been dominated by the US dollar for decades, with many countries using it as their primary reserve currency. However, in recent years, there has been a growing movement towards de-dollarization, a term used to describe the shift away from the dollar and towards other currencies or alternative payment systems. This movement is motivated by various factors, including concerns about US economic and political power, the desire for monetary independence, and the need to protect against currency volatility. In this article, we will explore the concept of de-dollarization, its implications for the global economy, and the challenges and opportunities it presents.
June 12, 2023
The Role of IBC in Mergers & Acquisitions (M&A) – An Analysis of the legal framework in India
The Insolvency and Bankruptcy code, 2016 (IBC) has gently progressed but, following several alterations, now offers a value path for M&A transactions. Corporate insolvency prior to 2016 was a disarranged process but the IBC brought a welcome change from the current situation, offering sturdy & timeframe solutions. Business transactions bloom on solidity, transparency & loyalty & each change to the IBC nourished obscurities, allowing it to become clearer & more constant. M&A transactions under the IBC are clearer & benefit from a time-limited mechanism that is free from the risk of existing & unknown liabilities blocking acquisitions.
June 5, 2023
Analysing Recent Amendments to Section 56(2)(viib) of the Income Tax Act: Exemption Notification and Proposed Changes to Rule 11UA
The Finance Act of 2023 has introduced an important amendment to the Income-tax Act, 1961 (the Act). One of its amendment brings the consideration received from non-residents for the issuance of shares within scope of section 56(2)(viib) of the Act with effect from the 1st day of April, 2024. At present only consideration from residents is subject to tax under said section.
May 29, 2023
Private credit or debt – an evolving asset class in India
Emergence of private debt
There has not been a time in recent history when global scenarios or macro-economic factors have changed so extensively as in the last few years. A series of events from 2020 onwards – starting with the pandemic, to current changes in geopolitical equations owing to war, rising interest scenarios, debt obligation of the developed countries or rising inflation – impacted day-to-day life of the global population. These events have far-reaching effects and are scaling new highs with each passing day, reducing visibility on when the impact of these events will slow down.
June 10, 2023
Past Performance Is Not Indicative Of Future Returns: A Disclaimer That Often Goes Unnoticed.
When space. it comes to making investment decisions, many investors tend to rely heavily on the performance of mutual fund schemes in the previous year. This approach assumes that a scheme’s past success will continue into the future. However, practical scenarios often reveal that such assumptions can lead to unfavourable outcomes. Let’s examines an example involving Axis Bluechip Fund, DSP Top 100 Fund.
May 15, 2023
From Momentum to Magnificence: Outperforming Nifty 50 index by 40%, the growing SME index
If you were to guess the best-performing index across the BSE and NSE in the last 10 years, in all likelihood you would be wrong. Often overlooked by investors, it’s the BSE SME IPO Index that has given a stellar performance. For a developing country like India, SMEs (Small and medium Enterprise) are the wheels that
turn the economy contributing to 1/3rd of India’s GDP.
March 1, 2023
Don’t chase Lakshmi, embrace Mahalakshmi
Average age and lifespan of businesses is drastically coming down. It used to be 20 odd years till 2020 and courtesy covid and the VUCA (highly volatile, uncertain, complex and ambiguous) world we live in, it has come down to even further lower levels and this trend of the average age going down is simply accelerating. Similarly, family businesses also hardly survive the 3rd generation and in the current turbulent times, it is highly likely that the longevity and lifespan of family businesses are going to decline further.
February 25, 2023
Buy Now Pay Later – The Future of Lending or a Regulatory Minefield?
Buy Now Pay Later (BNPL) was introduced as the next “big thing” in consumer finance, seducing an entire generation with a great pitch. After all, it was positioned not as credit, but rather, as debt with no interest. The Covid-19 pandemic witnessed a dramatic shift in consumption patterns; job losses and pay cuts slashed consumers’ purchasing power.
February 2, 2023
The Essence of Wealth Management
Today, in our stage of evolution, the age of Web 3.0 and digitization – technology is all powerful. It has disrupted our way of life and rendered many businesses redundant on its path of evolution. The best part of technology is that it can bring with it a paradigm shift in the way things stand and these disruptions are innovation driven. However, in the case of wealth management, technology has been a gradual evolution. From physical shares, to handwritten demat transfer slips, to today’s digital on-boarding and transacting; from pit trading at the BSE to today’s high-frequency black box trading.
December 25, 2022
WealthTech 2.0 – A solution that India’s working professionals need.
India’s WealthTech industry is estimated to breach the 63 billion USD mark by FY25, up from 20 billion USD in FY20. The total number of demat accounts in India surged almost 2.5 times to 89.6 million over the last four years, with the addition of 34.5 million accounts in FY22 alone- and this trend is expected to continue, backed by increasing financial literacy & digitization.
June 10, 2022
Reimagining Real Estate: Measuring the Unmeasured
‘Recent Mint’ series called “Guru Portfolio” has fund managers talking about their personal investment strategy. They talk about the allocation and the returns earned across various asset classes in their portfolio.However, when asked about the performance of their Real Estate allocation, most responded with an honest and unfortunate “NA”.
June 2, 2022
New-age Real Estate Investment alternatives, made accessible by WealthTech
‘’Real estate is a critical sector both from an economic & social point of view. Various estimates (Census of India, MoSPI, RBI & NHB) peg the annual housing demand (rural + urban) at 10MM+ homes per annum, driven by long-term demographics trends, urbanization and nuclearization. The sector being a capital guzzler, in our estimate, the capital need for the housing sector alone will be $100bn over the next 7-10 years.
March 23, 2022
Money Management An Emphasis on Policy Making
‘Money’ is a term familiar to us as currency prevailing in an area and has a physical form which varies over the geography of the world and has been linked to different nationally prevailing forms by international financial institutions like IMF and WTO facilitating trade and common exchange platforms there-by creating balance.
March 23, 2022
A Case Study on Impact of Social Media platform for Banks in promoting different banking products
Purpose/Objectivity: The present study focuses on to analyze the penetration of different products- RD, FD, Insurance, mutual funds, credit & debit cards, demat account and how it impacts in saving and investment decision of potential customers and to identify the factors which influence the investor’s decision and to identify the preferred investment option.
March 14, 2022
Sunny days ahead for India’s Banking Sector
There is a quote attributed to Lenin (founder of erstwhile USSR) that “there are decades when nothing happens and then there are weeks when decades happen.” The quote seems apt as we hover around uncertainties in input price inflation, exchange rates and the global supply chain crisis being triggered yet again.
March 3 2022
Foreign Exchange Hedging – Changing Dynamics
01st September 2020, marked a special day for Indian Financial Market specially for those who follow Foreign Exchange (FX) markets. The Reserve Bank of India (RBI)
March 3 2022
LIBOR Transition – A Quick take
LIBOR stands for London Interbank Offered Rate and is published by the Intercontinental Exchange (ICE) Benchmark Association, UK. It is currently the accepted key benchmark interest rate for borrowing between banks in the international market.
March 14 2022
What Marketers Should do in this Covid-19 pandemic Introduction:
During this time of pandemic as a company’s meet-and-greet function, marketing’s most important job is to recognize, capture with and convert customers into valuable strength that create long-term cash streams. Marketers have had to re-examine
March 23 2022
A Case Study on Impact of Social Media platform for Banks in promoting different banking products
Purpose/Objectivity: The present study focuses on to analyze the penetration of different products- RD, FD, Insurance, mutual funds, credit & debit cards, demat account and how it impacts in saving and investment decision of potential
23 March 2022
Money Management An Emphasis on Policy Making
‘Money’ is a term familiar to us as currency prevailing in an area and has a physical form which varies over the geography of the world and has been linked to different nationally prevailing forms by international financial institutions
30 Oct 2020
Why Consider Medical Office Buildings as an Investment?
Think about your doctor, your local radiology or pathology laboratory, or even your dentist.
How often have they moved in the last 10 years?
August 13, 2019
Mainstreaming of Alternative Investments in Tier II cities
The topic of Alternative Investments and particularly in Tier II reminds me of words of Mr. Vivek Pandit of McKinsey – “once underestimated – now underserved”.
August 13, 2019
Understanding the startup-investor fit
It is now a well-known fact that India is the third largest Startup nation in the world.
August 13, 2019
The Science and Art of Equity Investing
Behavioural bias is one of the biggest challenges in running a sustainably successful investment operation.
August 13, 2019
The Long and Short of Long-Short Funds
Hedge funds are a recent addition to the Indian alternative investment landscape, when the SEBI Alternative Investment Fund (AIF) Regulations were notified in 2012.
December 30, 2019
Asset allocation: The key to winning your financial worldcup
What is your world cup in life? Financially what is your goal?
To achieve any worthwhile goal, a team is needed as in cricket. Similarly different asset classes like different category of players help build the momentum.
Make Choices And Strive To Give It Your Best
This resonates with my journey. My mother had to make a choice while I was studying which choice shaped my career. I had just joined articleship for the chartered accountancy course when my father passed away. The bank in which my father worked had an excellent policy, which offered a job to the kin of the person who dies while in services.
Learn how to Power your Personal Growth
The wealth management sector is growing at a rapid rate. This growth offers excellent career opportunities for women – in fact, there has never been a better time to be a woman in the industry.