A majority of Indians still consider Fixed Deposits and Life Insurance as good investment products. Why is this the case? Investments in Fixed Deposits and Life Insurance amount to double or even treble of the amount invested by Indians in Mutual Funds. This is completely absurd. Does the average Indian not understand the concept of … Continue reading Fixed Deposits and Life Insurance
Many new investors are confused whether they should choose Mutual Funds or Direct Equity Investments? We will have a look at some of the factors which make Mutual Funds a wiser choice of small investors. Direct Equity Investments is a challenging task because of the following reasons: Selection of equity shares is an arduous task … Continue reading Mutual Funds or Direct Equity Investments?
After the initial crash of global stock markets at the beginning of the pandemic, stock markets have seen a sustained rise globally. The Indian stock market especially has surpassed all expectations and seen the bull run of a lifetime. So what are the reasons for this sustained rally in the Indian stock market and where … Continue reading So where is the Stock Market headed?
So, you have been investing for a while and you even managed to choose your own mutual funds. But what next? Are you getting the returns that you expected in the first place? Are you happy with the Investments you have made? If the answer to these questions is no, you need to revisit your … Continue reading How to make the most out of your mutual fund investments?
A Health Insurance Plan is a provision for Medical Expenses in case of Hospitalization. Health Insurance is a basic necessity in today’s times because of the escalating costs of hospitalization and medical treatment. Because of changing lifestyles and eating habits and inability to do some form of exercise for some reason or the other, the … Continue reading Health Insurance
The purpose of Life Insurance is to protect your family from loss of income due to untimely death of the main income earner. With this objective we advise ours clients to use Life Insurance as an instrument for protection of income and not as an investment tool. Traditionally, we have been using Life Insurance products … Continue reading Life Insurance
The following is a list of Equity based Mutual Fund Schemes which one should consider while Investing currently. The Schemes have been shortlisted in each category based on their Sharpe Ratio, Beta and Standard Deviation. The returns given by the schemes in the last five and ten years has also been considered. Mutual Fund Investments … Continue reading Good Mutual Fund Schemes To Consider
The first step in the Financial Planning process is to decide your goals and review the resources available to achieve the goals. It is also essential to take into consideration the investor’s age, income and risk appetite. Also a realistic expectation must be set with regards to the returns that are expected from the Investments. … Continue reading How to choose Mutual Fund Schemes?
The returns given by various BSE Indices in the last five years are given below: Inflation (CPI): 4.71%Gold: 10.89%BSE Sensex: 17.60%BSE 100: 16.64%BSE Reality Index: 25.50%BSE Healthcare Index:12.53%BSE Finance Index: 16.22%BSE IT Index: 28.58%BSE Consumer Durables Index: 29.61%BSE Consumer Discretionary Index: 14.15%BSE FMCG Index: 13.40%BSE Energy Index: 20.99%BSE Metals Index: 14.88%BSE Telecom Index: 9.72%BSE Oil … Continue reading CAGR in Last Five Years
Indians have been using Life insurance as a means of savings since the last 62 years, ever since LIC was established as a sole provider of life insurance in 1956. The Life Insurance market was opened to private players in 1999 and several private participants including HDFC Standard Life and ICICI Prudential Life Insurance entered … Continue reading Types of Insurance Policies
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