Imagine you pencil in a reasonable 12% rate of return on your investments towards your nest egg. Years later, when retirement looms, your portfolio matches this return, but your corpus falls well short of the target. Why? A hidden risk has foiled your plans.Chances are that you did not account for the exact pattern of gains or losses, or the order in which your investment returns occur.
I have Rs 12 lakh in surplus. Should I prepay my home loan or invest for monthly income of Rs 25-30k?
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