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known as NIVESH GURU in the world of investments.

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Importance of involving your family in your investment decisions

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Importance of involving your family in your investment decisions These days a lot of financial decisions are to be made in day to day life. Even we have a lot of bank accounts, investments and med claim policies. In this scenario it is very critical for your family, specially your better half to have an idea about these. Pointers to be discussed with your family – 1.    Your financial advisor – Your family should be known to your financial advisor. They should perfectly know where to contact to just in case an emergency arise. Investments although is always done for long term perspective, but at times can be life saver at important points of life. EG there was one of my client who was well of in his living and was maintaining a health investment with me. One day he was critically ill, family had no idea where to get funds from. But his wife and son was connected with me via FB. They contacted us and their investments with us proved to be quite helpful to them. It pr...
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Five key Rules in the world of Investing

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Five key Rules in the world of Investing 1.     Start investing today – Investing is a choice that you must make at the right time and history has shown that the time is always right. Especially for growing economies like India, long term value investing is a great tool for wealth creation. It is a disciplined approach of wealth creation that builds foundation for your future.  Example- At age of 25, if you start investing 5000 per month and money grows at 12% per year, then at age of 60 you have 2.70 crores. Just a delay by 1 year (or 60000 less), will make your savings to be 2.40 crores at the age of 60 years. That is you have 30 lakhs less, just because of 1 year delay. This is because of power of compounding. 2.      Nurture the habit of investing - If you had invested 1 lac in sensex in 1984, it would have become 1 crore in 30 years, i.e 100X multiplication. In equity market, compounded interests are boosters in your long term ...
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ULIP V/S MUTUAL FUND

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ULIP V/S MUTUAL FUND  I believed that discussion between ULIP Vs  Mutual Fund  was settled long back but I was wrong. In all of my sessions we have clearly mentioned and explained to keep investment and insurance separate. But to my surprise, a few days back one of my regular investor asked me– Which is better ULIP or  SIP ?  This confusion came because his banker told him that Ulip vs Mutual Fund + Term Insurance is a gimmick by mutual fund industry. Now if someone  depends on his banker for financial advice  how anyone can help. We always suggest  don’t mix investment and insurance  but let’s still check ULIP vs Mutual Fund comparison. What is Unit Linked Insurance Plan? Unit Linked Insurance Plans also known as ULIPs are insurance products that combine investment and protection against  risk . A ULIP holder pays a periodic premium. Part of the premium is for life insurance and part of it is inv...
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