Head - Insurance and Investments
Aarati is a leading voice in the Indian financial services space. She has been tracking and writing about the entire gamut of financial products and regulations for over 25 years now. Aarati was among a select few analysts in the country, tracking and analysing mutual funds, way back in 1994. She was also among the few to voice concerns over US-64 before its collapse. She is currently Editorial Consultant for the Hindu Business Line and was earlier a consulting editor for Value Research Online. For her pioneering work in writing on financial services and the economy, she was awarded the Shriram Sanlam award for excellence in Financial Journalism thrice.
Aarati brings with her a detailed understanding of the world of personal finance from the perspectives of the industry, regulators, government, and, most importantly, the investor. She has always been a strong voice speaking out on behalf of the retail investor and saver and a passionate advocate for greater transparency and customer-friendly innovations from financial product manufacturers. Aarati will lead the insurance and investment products verticals at PrimeInvestor as a consultant.
Aarati is a cost accountant and management graduate.
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Aarati's recent articles
As the stock indices defy gravity to soar past earlier highs, AMCs are back to using a time-tested ploy to manage their flows – rationing your investments.
Mirae Asset has just drastically slashed the monthly SIPs it will allow into its Mirae Asset Emerging Bluechip Fund from Rs 25000 to Rs 2500 from November 6. SIPs and STPs registered earlier will be allowed to continue, but new registrations will need to be capped at Rs 2500. The scheme had already put a stop to all lumpsum investments from October 2016 and capped its SIPs at Rs 25000 a month in November 2017. This is a rare instance of a large and mid-cap equity fund regulating inflows, but such rationing is a common practise with small-cap funds.
While the National Pension System (NPS) has been opened up to all Indian citizens of late, employees who work with the Central government service have been contributing to NPS as their default pension scheme since January 1, 2004. The features and tax rules of the NPS as they apply to Central government employees are quite different from those for ordinary folks.
Our previous articles had many of you asking about the less-known NPS Tier II account. Does the Tier II account offer the same tax breaks as Tier I? If not, should one open it at all? Here’s all you may like to know about the NPS Tier II account and how you can make the most of it.
If you decide to park a portion of your deposit portfolio in riskier bank fixed deposit options after fully calculating the risks that can play out, that’s certainly a valid decision. But before you take that call, it is important to know how bank failures actually play out in India.
Covid or no Covid, stock markets in the last six months have been quite kind to equity investors. But debt investors have had no such luck. Even though India’s Monetary Policy Committee (MPC) has been in pause mode since June after slashing its repo rate from 5.4% to 4% in the preceding eight months, the returns that savers get on their bank and corporate FDs, bonds and debt funds have continued to plumb new depths.
These days, investors in India have an increasing number of options for investing internationally (global funds, feeder funds, overseas indices, and even direct stocks!). So, it’s not surprising that a lot of you are beginning to wonder if you need to add international exposure to your portfolio. Let’s see if it is necessary to diversify into international markets. And if yes, should it be through stocks or mutual funds.