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
The COVID-19 outbreak in India is wreaking unforeseen damage on household finances by leading to runaway expenses, interrupted incomes and a heightened risk of job losses. This has served to underline that an emergency or contingency fund should be the starting point of any financial planning exercise. But how large should this contingency fund be and where should it be invested? This crisis offers a few lessons.
Desperate times call for desperate measures. Therefore, Indian fixed income investors may need to brace for a further plunge in interest rates in the coming months. • With rates cuts likely, lock into the options mentioned here, before March 31, 2020.
RBI’s rescue package for Yes Bank, which will see SBI infusing capital into the bank to pick up 49 % of its equity, offers a breather to its depositors and shareholders. But one class of stakeholders who are set to take a comprehensive haircut valued at Rs 10,800 crore despite the bailout, are the holders of Additional Tier 1 (AT1) bonds in the bank.
Just as the Indian stock market was taking a breather from recent worries about the slowdown, two new cases of Coronavirus infections have sent it into renewed paroxysms of volatility. Here’s attempt to answer top-of-mind questions from investors on how they should deal with this phase.
IPOs evoke such interest because of the mistaken belief that IPO stocks offer a unique ticket to riches that thousands of ‘older’ stocks listed in the market don’t. But IPOs have a far worse track record than secondary market investments in long-term wealth creation.
Sovereign Gold Bonds (SGBs) issued by the RBI on behalf of the Centre and Gold Exchange Traded Funds (ETFs) are more efficient paperless modes to invest in gold in India. But how do they stack up against each other?