How to Rebalance Your Investment Portfolio : Investing is not a one-time decision. Your portfolio changes continuously as markets rise and fall, your income changes, your financial goals get closer and your ability to take risk evolves. A portfolio that was appropriately allocated when you started investing may therefore become significantly different a few years later. For example, suppose you initially decided to maintain: 60% equity 30% debt 10% gold If equity markets perform strongly, your equity allocation could eventually rise to 70% or more. Although your portfolio value has increased, you are also taking more equity risk than you originally intended. This is where portfolio rebalancing becomes important. Portfolio rebalancing means bringing your investments back towards your intended asset allocation by increasing investments in underweight assets and, where appropriate, reducing exposure to overweight assets. SEBI's investor-education material emphasises the ...
7 Money Habits Keeping You Broke (Even If You Earn ₹50,000/month) 1. Introduction: Why Your Salary Isn’t the Problem Have you ever wondered, “I earn ₹50,000 a month… so why am I still broke?” You’re not alone. Many people in India earn a decent salary but still struggle to save or invest. The truth is — income alone doesn’t build wealth. Habits do. You don’t need a higher salary to get rich. You need better control over how your money flows. Let’s break down the 7 money habits keeping you broke, and more importantly, how you can fix them. 2. What Does “Money Habits Keeping You Broke” Mean? In simple terms, these are daily financial behaviors that silently drain your money. These habits: Reduce your ability to save Stop you from investing Keep you stuck in a paycheck-to-paycheck cycle Even small mistakes repeated every month can lead to big financial losses over time . 3. How It Works: The 7 Habits Explained (Step-by-Step) 1. Spending First, Saving Later Most people follow this: S...