The Fact – Indians prefer low risk investments Savings data compiled by Central Statistical Office (CSO), Government of India, and published by the Reserve Bank of India in its Handbook of Statistics, shows that without exception since the time they started publishing the data from 1970 till date (48 years, now), Indians have always put… Continue reading This is a FACT not an Opinion
One of the most repeated lines in the media is that traditional life insurance endowment is low return and that if one wants life insurance it is better to buy term insurance and with the balance of money (saved by not buying traditional insurance) buy mutual funds. This is one of the most unscientific statements… Continue reading Term Insurance and Mutual Fund Combo
We have been pointing out on this Blog (See: Where Indians Save) as well as in our training programs see our website www.iistpune.in that Indians are low risk investors (not low returns mind you). Given a chance Indians would prefer to invest and save in such a manner that their capital is protected. This is… Continue reading The Case of Negative Cash Holdings
Do you also believe that Indians are shifting their investment preferences to mutual funds and shares? Let us take a look at what the Reserve Bank of India’s research report says. RBI data 1997 to 2016 (click to download) shows the savings habits of Indians. Columns (2) to (7) are low risk investments such as investments… Continue reading Where Do Indians Save Their Money?
