What is settlement Finance and how does it fit in my asset allocation?What’s the difference between Invoice Discounting and Settlement Finance? I have covered Invoice Discounting in my earlier post: What is Invoice discounting? Invoice discounting is the practice of using company’s unpaid invoices to raise working capital & fulfil its financial needs. Traditionally, financial … Read more
Lot of People ask the question what is the right number of mutual funds in the portfolio.How to choose a mutual fund? There is no universal answer to it but we need to take a step back and think what we are doing when we buy a mutual fund. We are basically choosing a fund … Read more
This month I will cover a couple of topics apart from my overall portfolio Performance: How to choose invoices to invest in invoice discounting platform How to Manage your Liquidity efficiently Portfolio Composition Portfolio Changes: My portfolio composition has been changing recently based on availability of loans. I prefer to be able to check out … Read more
How would have a portfolio of just equity and bond funds performed vis-a-vis hybrid portfolio of (equity + Alternatives)? First let’s see how the equities performed in the last 12 months. I will take the Index performance for large cap, mid cap and small rather than some mutual fund as it will give a better … Read more
To enhance my portfolio diversification I have increased my investment in some of the platform which have been performing well and my initial investment had been low. viz OMLP2P and FinancePeer. I have also decided to not increase my investment in Lendenclub and cashkumar for now primarily because auto invest is very slow in these … Read more
This month I have added FinancePeer in my portfolio to take exposure to Education Loan borrowing. Apart from publishing my portfolio performance I will also cover : My Receivable Finance Portfolio Investment Capital Structure of my investment and Liquidity Analysis Portfolio Composition May Allocation: June Allocation Portfolio Changes: I have started investing FinancePeer I have … Read more
Financepeer is one of the P2P lending Platform which has received NBFC-P2P license. Financepeer Update* Currently due to high default rate I have temporarily discontinued Financepeer .I have been investing in other alternate Investment platform which have been performing really well like Klubworks ,Finzy , Tradeced ,GrowFix and Grip Invest Background Financepeer (Use Code MNJ6547) was setup in 2017 and is registered … Read more
Lot of people invest in Corporate FD to gain some extra return over bank FD’s. We know there is an element of risk as this is a form of unsecured lending and in event of company default capital maybe at risk. There is an alternate solution for people who can make 12%-15% which is much … Read more
This month I have added significant amount of capital to the platform which I had less share uptill now . My goal is to have a more uniform allocation among different platform. This month I will also do a deep dive of my existing NPA across platforms Portfolio Composition April Allocation May Allocation: Portfolio … Read more
If it comes down to choosing Between the two : Arbitrage Fund wins hands down. Let’s take example for people who are in 30% tax slab as it will make the difference more stark. Why do you use Liquid Fund? 1. Liquidity As the name suggest people use it for liquidity. If you take out money … Read more
