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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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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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Emotions in mutual funds

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Emotions in mutual funds Emotions plays an important role in every facet of our life. It also does in our investment decision. What we have seen is that entry in mutual fund or equity for that matter is very easy. The day you decide to buy a fund, you take entry. But the more important question is when you exit the fund or how to decide when to exit the fund? Human is a greedy creature. That is very basic characteristics of all of us. When market is rising we seem to buy more equity, more our existing portfolio is doing good.  And when market is not doing good, we focus on selling everything. One of the perfect example for this is what actually happened with me. One of the investor came to me in 2016 starting. At that time I forcefully asked him to allocate atleast 50% to equity. But he insisted to allocate maximum 20% to equity. I persuaded him and just because we were connected from like last 10 years he agreed to me. It took me 1 hour to convince him for the same. ...
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