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Risk and return are two sides of a coin Risk and return are two sides of the same coin. With high return comes high risk and vice versa. One needs to take the needed risk to earn the excess return. A person investing in an FD as he thinks is safe but is worried about inflation eating up his returns or a person investing in an equity mutual fund who gives knee jerk reaction to every market move isn’t investing according to their risk appetite. Clearly, the first person is willing to take more risks and the second one isn’t. Understanding one’s own risk profile is very important before they start investing. Also, what may suit one person may not suit the other. Each individual has a different capacity for risk. Just because a person is investing in a low-risk product doesn’t mean the others also have to invest in that. The herd mentality doesn’t work for investing. What is the risk? Risk refers to the degree of uncertainty or potential loss in an investment. As risk increases inves...

COVID-19 has claimed over forty hundred thousand lives and infected crores. The 2 aspects of life, physical and money health square measure everyone’s prime priority. The deadly waves of the corona virus pandemic that barrel the globe have strengthened this notion within the last one and 0.5 years. Thus, saving cash for long wealth ought to become your priority. But, wherever to place this money? You have multiple investment choices if you wish to take a position for the future in an Asian country. However, seldom something beats a ULIP as a long investment possibility. ULIP stands for Unit joined Insurance arrange. It's a sort of insurance that mixes growth and safety during a single arrangement. A ULIP investment arrangement permits you to make wealth over an extended amount whereas conjointly adding to your family’s long money security. ULIPs permit you to take a position in multiple equities and debt funds at a constant time with one investment. At constant time, you furth...

Mutual funds are currently one of the most popular investing solutions. A mutual fund is an investment vehicle formed when an asset management company (AMC) or fund house aggregates money from a number of individual and institutional investors that share similar financial goals. The pooled investment is managed by a fund manager, who is a finance professional. The fund manager invests in securities such as stocks and bonds that are consistent with the investing mandate. Mutual funds are an excellent way for individual investors to gain exposure to a professionally managed portfolio. You can also diversify your portfolio by investing in mutual funds, as the asset allocation will cover a wide range of instruments. Investors would be assigned fund units based on the amount invested. As a result, each investor will experience profits or losses that are directly equal to the amount invested. The fund manager's primary goal is to maximise returns for investors by investing in assets t...

First of all, why do we even care about sales forecasts? In one word: planning. If you can accurately predict how many sales you can close every month or every quarter, you can plan ahead to make sure you have the budget, the supply, and the wherewithal you need to close and service those new sales. On the flipside it should give you insight into if and when it’s time to investigate new sources of lead generation for your sales efforts. If your forecasts look low, it’s time to make a change. Business decisions are made by looking at previous results and upcoming projections based on that history. If you have wholly inaccurate projections, it will hinder your ability to make good decisions moving forward. Let’s start by taking a look at the simple definition of sales forecasting: *Predicting how future sales activities will result.* A prediction of how many deals will close in a given time period. Makes sense, right? Any marketer or business owner should be able to tell you why...

We have discussed a number of times in our blog that Systematic Investment Plans is the ideal way of investing for your long term goals. An important factor in wealth creation is investment tenure due to power of compounding over time. Longer your investment tenure, greater is the effect of compounding. Mutual fund SIPs enable you to start investing small amounts from your regular savings. Over long investment tenures, SIPs can help you accumulate wealth needed for your different life-stage goals. Mutual fund SIPs have become one of the most popular investment vehicles for retail investors. As per AMFI data more than Rs 1 lakh Crores was invested through SIP is FY 2019-20; total SIP investments in the first three quarters of this fiscal year stood Rs 71,349 Crores. Most of the SIPs in India are made in actively managed equity mutual fund schemes. Over the last few years, passive funds like Exchange Traded Funds (ETFs) and Index Funds have been slowly gaining traction in India. The C...