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Showing posts from July, 2022

Is this the right time to invest in Mid or Small Cap funds?

Many retail investors who pulled out of midcap and small cap mutual funds during the correction last year have been waiting on the sidelines for the past few months for the election results. The Indian electorate has given a clear verdict in favour of NDA, an outcome which the equity market was hoping for. With political uncertainty behind us and a stable Government in place, is it the right time to invest in midcap mutual funds? Most fund managers have opined that 2018 correction in midcap and small cap stocks has brought the valuations of these stocks to attractive levels. Midcap and small cap stocks were trading at a valuation premium to large cap stocks in 2017, but fund managers tell that in terms of forward P/E multiples, midcaps are now trading at a discount to large caps. Fund managers are able to identify good investment opportunities in the midcap segment and they think that this is the right time to invest in midcap mutual funds. Look at historical data to se

What should Mutual Fund Investors do now that the market is at its record high?

After crashing to 7,500 levels during March meltdown due to COVID-19, Nifty recovered to its previous high earlier this month and now is trading at its all-time high near 12,800 levels. Investors who did not panic and sell in March / April must now be sitting pretty and investors who used the March correction to tactically invest in equity would have made hand-some profits. There are two types of feelings when the market is at its all-time high. One feeling is of bullishness and expectation of getting good returns in the short to medium term. The other feeling is one of trepidation about an impending correction. If you tune into business channels or read expert views, you may get a sense of optimism and also hear concerns about valuations. You get similar mixed views about the economy. Investing should not be about hope or despair. You should always invest according to a plan and remain disciplined. In this article, we will discuss what you should do in this situation.

Why should you choose smart wealth income plan?

What is Max Life Smart Wealth Plan? At Max Life Insurance, we are aware of the importance of such life milestones. To help you safeguard your financial future with assured returns, we propose the Max Life Smart Wealth Plan (a Non-Linked, Non-Participating, Individual, Life Insurance Savings plan, UIN: 104N116V07). You can pursue your goals and achieve every milestone you set out to with the help of this plan. Who Should Invest in Max Life Smart Wealth Plan? Max Life Smart Wealth Plan is suitable for the following categories: 1) Salaried individuals 2) Self-employed individuals 3) People with dependents who seek a long-term financial plan 4) People who have less risk appetite 5) People who seek guaranteed returns on savings 6) People who look for dual benefits of life insurance and savings For your retirement, your children's schooling, your spouse's financial security while you're away, or any other financial objective, you can purchase the Max Life Smart Wealth Plan. Addit

What is an Endowment Fund? How does an Endowment Policy work?

A non-profit organization, such as a university, hospital, or museum, may hold an investment portfolio known as an endowment fund with the goal of providing a steady flow of funds. Cash, publicly traded securities, real estate, life insurance, retirement accounts, and other assets can all be included in the fund's portfolio. As long as the primary balance, or "corpus," is invested, endowment funds are often perpetual. Only investment money generated by the fund, which must be used in accordance with contributors' desires, can be used by the organization. How Does an Endowment Fund Work? Consider receiving trust from your parents. There is $1,000,000 in the trust, but there is a catch: your parents have specifically declared that the main sum is off-limits. You are only allowed to spend the interest that the trust's assets generate annually; you are not permitted to spend it on extravagant items like a vacation to Tahiti or a McMansion. The funds must be util