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Showing posts from October, 2018

Aggressive Hybrid Funds Plan

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Aggressivehybrid funds fall in the category of hybrid schemes . These take exposure to both debt and equity securities in proportions specified in the scheme’s investment objective. As compared to plain vanilla balanced funds, these funds have differences in asset allocation. In case of balanced hybrid funds, the fund manager is not allowed to take advantage of arbitrage opportunities. In arbitrage, he/she buys securities at a low price in one stock exchange and sells them at a higher prices in the other. Gains accrue as a result of the price differential of the same security in different market. The autonomy and choice of investment options available to aggressive hybrid funds is much higher than balanced hybrid funds. Aggressive hybrid funds enjoy the flexibility to take advantage of arbitrage opportunities available in the market. These funds have to allocate at least 20% of fund assets towards debt instruments. The investment in equity and equity related instruments varie

Mutual Funds Based on Investment Goals

1.       Growth Funds Growth funds usually put a huge portion in shares and growth sectors, suitable for investors   who have a surplus of idle money to be distributed in riskier plans   or are positive about the scheme. 2.       Income Funds This belongs to the family of debt mutual funds that distribute their money in a mix of bonds, certificate of deposits and securities among others. Helmed by skilled fund managers who keep the portfolio in tandem with the rate fluctuations without compromising on the portfolio’s creditworthiness, Income Funds have historically earned investors better returns than deposits and are best suited for risk-averse individuals from a 2-3 years perspective. 3.       Liquid Funds Like Income Funds, this too belongs to the debt fund category as they invest in debt instruments and money market with a tenure of up to 91 days. The maximum sum allowed to invest is Rs 10 lakhs. One feature that differentiates Liquid Funds from other debt funds

Benefits of Pension Plans

Pensionplans or retirement plans offer you the dual benefits of investment and insurance cover. It is nothing but investing a certain amount regularly to accumulate over a specific tenure in a phase-by-phase manner. This will ensure a steady flow of monthly pension once you retire. Provident Fund, for example, is a popular retirement planning scheme. If you begin contributing early, it will build towards a secure golden year money-wise. A well-chosen retirement plan can help you rise above inflation, thanks to the power of compounding. The corpus   in your name by the retiring age can take care of increasing healthcare costs and lifestyle requirements. Benefits of Pension Plans a. Guaranteed Pension/Income You can get a fixed and steady income after retiring (deferred) or immediately after investing (immediate), based on how you invest. This ensures you a financially independent life. Use a retirement calculator for a rough estimate of how much money you might requir

Best Mutual Fund Agent In Nagpur

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Just dial 9373284136, CFP certified financial planner, to know more #cfp   #certifiedfinancialplanner   #mywealthapp #mutualfundsagentinnagpur   #licagentinnagpur jayant@jayantharde.com www.jayantharde.com #gurukripainsuranceandinve stment

Best Financial Planner In Nagpur

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Build Your Wealth Through SIP: Many investors now take the SIP (Systematic Investment Plan) route to begin their savings and take advantage of compounding returns in a best way. As SIP is considered as the most convenient way of investing in the equity markets, Financial Advisors suggest investors to opt for it. SIPs are generally advised to investors who look to invest a certain sum of money in mutual funds at regular intervals to build corpus for meeting any long term financial goals.   SIP allows investor to choose the mode of investment as per their convenience- monthly, quarterly or annually, for investing in funds of their choice. Investors can choose from various investment vehicles to invest their money including stocks, mutual funds, ETFs, etc. SIP brings about a discipline in terms of investment habits. It helps the investor in maintaining a focused and dedicated approach towards investment. Starting with an amount as low as Rs.500-Rs.1000 per month, SIP off

Advantages of Mutual Funds

If you are wondering what a bigger list of advantages of mutual funds would look like, then here is one possible answer. 1.       Smart Investment The first thing to do would be to talk about risks. If you were to invest all your money in one industry and that industry failed, you'd lose a lot of money, but with mutual funds, such risks are mitigated by spreading the investments over various avenues, like stocks and bonds, to ensure that even if one generates losses the rest can control the amount you lose. 2.       Choice of Risk Stay with talking about risk, mutual funds also offer a choice of low, medium and high risk funds. These are meant to satiate your appetite for risks. A high risk fund offers the highest returns but the losses will also be high where as a medium risk fun tends to balance risk with return a little better where as low risk funds carry the least risk of losses and, consequently, the least returns of the three too. 3.       Options on Liqu

Why buying health insurance is a critical component of financial planning

  Health is wealth they say and indeed so it is. Today health is a big issue as the pollution levels as well as the stress levels are increasing day by day. Health insurance has thus become a primary concern and we should plan our finances considering the health insurance policy in which we invest. Health insurance is a very crucial component of financial planning. Let us have a look at what all things will be affected due to the health insurance and how you can tactfully deal with it to manage your finances. ·          Medical Emergencies Life is uncertain and anything can happen at any given point of time. Medical emergencies are the perfect example of this. Medical emergencies or accidents can happen anywhere, anytime and thus one needs to be prepared for any situation. With the rising cost of medical expenses, it is always better to have a personal accident policy . This would not put a hole in your pocket in case any such emergency arises. The insurance company will ta

Best Insurance Policy Agency

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Just dial 9373284136, CFP certified financial planner, to know more # cfp   # certifiedfinancialplanner   # mywealthapp   # mutualfundsagentinnagpur # licagentinnagpur jayant@jayantharde.com www.jayantharde.com # gurukripainsuranceandinvestment

LIC Bhagya Lakshmi Plan

  Features of LIC Bhagya Lakshmi Plan ·          Non-participating limited payment protection-oriented plan. ·          Minimum sum assured is Rs.20,000. ·          Maximum sum assured is Rs.50,000. ·          Premium payment modes available are monthly, quarterly, half-yearly, yearly, and single payment. ·          Extended grace period of up to 60 days from the premium due date (two calendar months). ·          The plan offers rebates of 2% of tab premium in the yearly mode. ·          The plan offers rebates of 1% of tab premium in the half-yearly mode. ·          There is no rebate for high sum assured options. ·          The minimum premium paying term is 5 years. ·          The maximum premium paying term is 13 years. ·          The policy term will be the premium paying term + 2 years, hence: ·          Minimum policy term is 7 years. ·          Maximum policy term is 15 years Benefits of LIC Bhagya Lakshmi Plan 1.       Death Benefit: In the

Best LIC Agent In Nagpur

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Just dial 9373284136, CFP certified financial planner, to know more #cfp   #certifiedfinancialplanner   #mywealthapp #mutualfundsagentinnagpur   #licagentinnagpur jayant@jayantharde.com www.jayantharde.com #gurukripainsuranceandinve stment

New Bima Bachat

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NewBima Bachat is a participating non-linked savings cum protection plan, where premium is paid in lump sum at the outset of the policy. It is a money-back plan which provides financial protection against death during the policy term with the provision of payment of survival benefits at specified durations during the policy term. In addition, on maturity, the single premium shall be returned along with Loyalty Addition, if any. This plan also takes care of liquidity needs through its loan facility. BENEFITS: a) Death benefit: On death during the first five policy years: Sum Assured. On death after completion of five policy years: Sum Assured along with Loyalty Addition, if any. b) Survival Benefits: Payable as given below in case of Life Assured surviving to the end of the specified durations: For policy term 9 years: 15% of the Sum Assured at the end of each of 3rd & 6th policy year For policy term 12 years: 15% of the Sum Assured at the end of each of 3r

Best Equity Mutual Funds In Nagpur

How do Equity Funds work? An equity fund invests 60% or more of its assets primarily in equity shares of companies in varying proportions as mentioned in its investment mandate. It might be a purely large-cap fund or a mixture of market capitalization. Moreover, the investing style may be value-oriented or growth-oriented. After allocating a major portion of equity shares, the remaining amount may be invested in debt and money market instruments. This is done to address redemption requests raised by the investors. The fund manager keeps buying or selling a particular stock to take advantage of the changing market movements. Types of Equity Funds A. Based on Sector and Themes Equity funds that focus their investments on a particular sector or theme fall under this category. Sector funds are those that invest in one particular industry, like FMCG or Pharma or Technology. Thematic funds are those that follow a particular theme, like emerging consumer companies or int

Tips for Retirement Planning

Effectiveretirement planning helps you to experience a secure retirement. Here are some tips for those people who really want to enjoy their post-retirement lives: Opt for the best retirement plans Buying online pension plans is the most convenient way to invest your hard-earned money for better post-retirement life. Once you start investing in this policy, policyholder will get enough money to continue his or her lifestyle even after retirement. Buy pension plan when you start earning If you buy a retirement plan early, then it helps you to build a strong financial corpus. In fact, this corpus makes you ready to face any kind of emergency situations without worrying money issues. Review and update policy Review your retirement plan regularly to ensure it will fulfill your needs in the future. Do not forget to monitor your progress towards your retirement goal. Consider your current situation, risk appetite, market condition and future circumstances. Rememb