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The 40% rule states that a borrower's total monthly debt payments, including their mortgage payment, should not exceed 40% of their gross monthly income.This rule is used by lenders to assess the borrower's ability to handle their debt and make timely payments.If the borrower's debt-to-income ratio exceeds 40%, they may be considered a higher risk to lenders and have difficulty qualifying for a mortgage.It is important to note that the 40% rule is not a hard and fast rule and may vary from lender to lender.Have you ever applied this rule?Say it with "YES" 🙋‍♂️ or "NO" 🙅‍♂️⬇️Download the app now! - MO Investor App👉Traders - MO Trader App🔗 For disclaimer, visit our Share this with your investing buddy🔖 Save this post for future reference.☑️ Follow @motilaloswalgroup for more such content. #linkinbio #MotilalOswal #DidYouKnow #financefacts #didyouknowfacts #didyouknowfinance #trendingnow #knowledge #finance #goodreads #interestingfacts #investingsimplified #investing101 #financerules #financialliteracy

Here are five common mistakes to avoid while re-allocating your portfolio: ✔️Avoiding human intervention - Robo advisory is fine, but when it comes to asset allocation, human judgement will always fall at a higher pace. ✔️Getting rigid about long-term plans - Don't forget that your portfolio is based on certain assumptions, considering past, present & future. ✔️Driving re-allocation by likes and dislikes - Don't let emotions take over your decision-making skills. Avoid falling in love with the stocks you invest in. ✔️Re-allocating portfolio with a fickle mind - Think through when it comes to portfolio re-allocation. It has costs in terms of statutory, taxes, and opportunity. ✔️Making drastic changes without an expert - Re-allocation has its long-term returns & risks, don't ignore that. An expert can help you with a better advice. Have you made any such mistakes while re-allocating your portfolio? Tell us in the comments below. ⬇️Download the 👇 apps now! MO Investor app: https://bit.ly/MOInvestorApp-FBResearch360 app: https://bit.ly/Research360App_FB🔗 Disclaimer: http://ow.ly/63nS50Lqple⁣ ▶️ Share this with your investing or trading buddy. 🔖 Save this post for future reference. ☑️ Follow us for more knowledge-based content. #MotilalOswal #KnowledgeFirst #CommonMistakes #Portflio #Investing #StockMarket #Investing101 #stockmarketinvesting #experttips #chooserightstocks #investmentadvice #stockratings #stockanalysis #technicalresearch #marketanalysis #expertadvice #investingtips #MotilalOswal #KnowledgeFirst #CommonMistakes #Portflio #Investing #StockMarket #Investing101 #stockmarketinvesting #experttips #chooserightstocks #investmentadvice #stockratings #stockanalysis #technicalresearch #marketanalysis #expertadvice #investingtips

Here are five common mistakes to avoid while re-allocating your portfolio:✔️Avoiding human intervention - Robo advisory is fine, but when it comes to asset allocation, human judgement will always fall at a higher pace.✔️Getting rigid about long-term plans- Don't forget that your portfolio is based on certain assumptions, considering past, present & future. ✔️Driving re-allocation by likes and dislikes- Don't let emotions take over your decision-making skills. Avoid falling in love with the stocks you invest in.✔️Re-allocating portfolio with a fickle mind- Think through when it comes to portfolio re-allocation. It has costs in terms of statutory, taxes, and opportunity.✔️Making drastic changes without an expert- Re-allocation has its long-term returns & risks, don't ignore that. An expert can help you with a better advice.Have you made any such mistakes while re-allocating your portfolio?Tell us in the comments below.⬇️Download the app now! - MO Investor App👉 Research 360 App🔗 For disclaimer, visit our Share this with your investing or trading buddy.🔖 Save this post for future reference.☑️ Follow @motilaloswalgroup for more knowledge-based content. #linkinbio #MotilalOswal #KnowledgeFirst #CommonMistakes #Portflio #Investing #StockMarket #Investing101 #stockmarketinvesting #experttips #chooserightstocks #investmentadvice #stockratings #stockanalysis #technicalresearch #marketanalysis #expertadvice #investingtips

Michael Douglas's starrer 'Wall Street: Money Never Sleeps' (2010), which entertained many moviegoers, has some hard-hitting dialogues and amazing investing lessons! 1. Make sure your money works for you as an investment; not as loan-earning interest 2. Whether it's you or your money, every idle second is money and opportunity lost 3. To achieve your goals, you have to accept a certain level of risk #MotilalOswal #Fincinema #moneyneversleeps #stockmarket #movies #knowledge #stockmarket #stocks #investing #trading #investment #money #invest #nifty #investor #sharemarket #financialfreedom #stock #forextrader #bse #stockmarketindia #MotilalOswal #Fincinema #moneyneversleeps #stockmarket #movies #knowledge #stocks #investing #trading #investment #money #invest #nifty #investor #sharemarket #financialfreedom #stock #forextrader #bse #stockmarketindia

This one will help to see you through any Black Swan events, and it’s better to plan a bit in advance. P.S.: You don't need to be an economist for this one, at least! #MotilalOswal #Finfacts #mythsvsfacts #stockmarket #knowledge #stockmarket #stocks #investing #trading #investment #money #invest #nifty #investor #bse #stockmarketindia #mutualfunds #mutualfundsindia #MotilalOswal #Finfacts #mythsvsfacts #stockmarket #knowledge #stocks #investing #trading #investment #money #invest #nifty #investor #bse #stockmarketindia #mutualfunds #mutualfundsindia

These six litmus tests will form the cornerstone of your mutual fund selection. Broadly, performance and consistency of performance matter at the end of the day. But above all, remember the golden rule. It is not just how good the fund is that matters. It is how good the fund is for you that really matters!✔️Consistency• Be wary of a fund that has seen a considerable churn• past cannot be a deciding factor for the future• Funds that are continued for the past 5-10 years✔️Fund manager• Sharpe Ratio and Treynor Ratio calculate risk-adjusted returns• Fama measure explains how much returns were generated by chance• fund manager should be working hard to beat the market✔️Expense ratio • Select funds that offer performance with the lowest ER• Matters a lot in debt funds or equity funds in the long term• Index fund had saved billions in the form of lower ER✔️Diversification• Reduces risk by allocating investments in sectors • Decreases the amount of time spent monitoring• Allows you to swap between investments✔️Size of scheme and AMC • Larger funds with bigger AUMs stay for longer term• Smaller funds are more vulnerable to shocks• Foreign AMCs have exited their India operations⬇️Download the app now! - MO Investor App👉 Research 360 App🔗 For disclaimer, visit our Share this with your investing or trading buddy.🔖 Save this post for future reference.☑️ Follow @motilaloswalgroup for more knowledge-based content. #linkinbio #MotilalOswal #KnowledgeFirst #litmustest #mutalfund #stockmarket #stockmarketinvesting #experttips #chooserightstocks #investmentadvice #stockratings #stockanalysis #technicalresearch #marketanalysis #expertadvice #investingtips

These six litmus tests will form the cornerstone of your mutual fund selection. Broadly, performance and consistency of performance matter at the end of the day. But above all, remember the golden rule. It is not just how good the fund is that matters. It is how good the fund is for you that really matters! ✔️Consistency • Be wary of a fund that has seen a considerable churn • past cannot be a deciding factor for the future • Funds that are continued for the past 5-10 years ✔️Fund manager • Sharpe Ratio and Treynor Ratio calculate risk-adjusted returns • Fama measure explains how much returns were generated by chance • fund manager should be working hard to beat the market ✔️Expense ratio • Select funds that offer performance with the lowest ER • Matters a lot in debt funds or equity funds in the long term • Index fund had saved billions in the form of lower ER ✔️Diversification • Reduces risk by allocating investments in sectors • Decreases the amount of time spent monitoring • Allows you to swap between investments ✔️Size of scheme and AMC • Larger funds with bigger AUMs stay for longer term • Smaller funds are more vulnerable to shocks • Foreign AMCs have exited their India operations ⬇️Download the 👇 apps now! MO Investor app: https://bit.ly/MOInvestorApp-FBResearch360 app: https://bit.ly/Research360App_FB🔗 Disclaimer: http://ow.ly/63nS50Lqple⁣ ▶️ Share this with your investing or trading buddy. 🔖 Save this post for future reference. ☑️ Follow us for more knowledge-based content. #MotilalOswal #KnowledgeFirst #litmustest #mutalfund #stockmarket #stockmarketinvesting #experttips #chooserightstocks #investmentadvice #stockmarket #stockratings #stockanalysis #technicalresearch #marketanalysis #expertadvice #investingtips #MotilalOswal #KnowledgeFirst #litmustest #mutalfund #stockmarket #stockmarketinvesting #experttips #chooserightstocks #investmentadvice #stockratings #stockanalysis #technicalresearch #marketanalysis #expertadvice #investingtips

Due to complex investment options, a lot of people end up following these thumb rules when it comes to attaining financial goals Have you ever applied the 100 minus age rule? Say it with "YES" 🙋‍♂️ or "NO" 🙅‍♂️ ⬇️Download the 👇 apps now! MO Investor app: https://bit.ly/MOInvestorApp-FBResearch360 app: https://bit.ly/Research360App_FB🔗 Disclaimer: http://ow.ly/63nS50Lqple▶️ Share this with your investing buddy 🔖 Save this post for future reference. ☑️ Follow us for more such content. #MotilalOswal #DidYouKnow #100minusagerule #financefacts #didyouknowfacts #didyouknowfinance #trendingnow #knowledge #finance #goodreads #interestingfacts #investingsimplified #investing101 #financerules #financialliteracy #MotilalOswal #DidYouKnow #100minusagerule #financefacts #didyouknowfacts #didyouknowfinance #trendingnow #knowledge #finance #goodreads #interestingfacts #investingsimplified #investing101 #financerules #financialliteracy

Due to complex investment options, a lot of people end up following these thumb rules when it comes to attaining financial goalsHave you ever applied the 100 minus age rule?Say it with "YES" 🙋‍♂️ or "NO" 🙅‍♂️⬇️Download the app now! - MO Investor App👉Traders - MO Trader App🔗 For disclaimer, visit our Share this with your investing buddy🔖 Save this post for future reference.☑️ Follow @motilaloswalgroup for more such content. #linkinbio #MotilalOswal #DidYouKnow #100minusagerule #financefacts #didyouknowfacts #didyouknowfinance #trendingnow #knowledge #finance #goodreads #interestingfacts #investingsimplified #investing101 #financerules #financialliteracy