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Showing posts from February, 2021

Post Covid-19 - The New Normal - Challenges and Opportunities ahead - 2021

  Post Covid-19 - The New Normal - Challenges and Opportunities ahead - 2021 After Covid-19, there was a Big Change and we are back to the New Normal, but not to the existing normal. There are lot of Challenges and Opportunities ahead for the next few decade. The Post Covid epidemic and it's global policies would definitely bring about new change. In India, the Central Govt is also planned to implement the 4 Day work week in the front. The reason for this was said may different from the Official. But the upcoming innovation on Technology and the subsequent development of Artificial Intelligence based on it. Challenges: Social Distancing is a New Culture Disruption in Many Sectors Automation - AI Taxation Policies Cost of Buying - Pharma & Healthcare Environmental Issues - Keep Regularly Opportunities ahead: Minimalism - Spend low Various Job Opportunities, but now the same (Self Reliant) Investments in Multi Asset Options Agriculture on Demand Sustainability Living New Normal(P...

Portfolio Insurance - Why is it necessary ?

 Portfolio Insurance - Why is it necessary ?  There is no such thing as a Risk-free investment today. Rather than avoiding the fact that there is risk in investing in general, one should know how to handle risk properly. Investment risk can be minimized through asset allocation and Diversification.  Decentralization is when you are in a position to invest (Say One Lakh rupees), without simply investing in the Bank Deposits or in the Equity Market as a whole, but in a combination of asset allocation like Deposits, Stocks, Gold and Bonds. This way even if the Stock market goes down, your either investment instruments will provide the corresponding returns and give investment protection. At the same time while other investments are not able to reach the required returns that exceed inflation rate, Stock Market boom will increase your investment multiplier. Usually when the interest rates are low in Banks, then the rates are slightly higher in Bonds. As the Stock Market decli...