-
known as NIVESH GURU in the world of investments.

Comments

Post a Comment

Popular posts from this blog

ULIP V/S MUTUAL FUND

-
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...
Read more

Emotions in mutual funds

-
Image
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. ...
Read more

NPS: Does it make sense to invest?

-
Image
NPS: National Pension Scheme  Does it make sense to invest Rs 50,000 in the NPS to get additional tax deduction? It doesn't as equity mutual funds can get you more... An additional tax deduction of  R 50,000, introduced by the finance minister in the last budget, under Section 80CCD(1B) on the contributions to the National Pension Scheme (NPS) is a major draw for some investors. This was over and above  R 1.5 lakh tax deduction permitted under Section 80C of the Income Tax Act. However, many investors can't make up their mind whether they should go ahead with the investment because of their lack of familiarity with the NPS and its rather rigid structure. Many of them are wondering whether it is better to let go of the tax benefit and invest the money in an equity mutual fund. The strategy is worth a serious consideration as it gives an investor full control over his investment and the accumulated corpus. It is also tax-efficient. The NPS is open to all the...
Read more