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SIP flows may face a hiccup or two

SIP flows may face a hiccup or two

According to the report of UBS, the bulging SIP book, which expected to provide sustainable long-term domestic funds flow, may not be as sticky as widely believed. The moderation in the SIP flows may have huge repercussions for valuation of small and midcap stocks. The survey by UBS shows that investors are open to stopping fresh investments. And even redeeming SIPs due to various catalysts and the ‘sticky’ trend so far in SIPs may be vulnerable in case of [...]

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Understand traditional and non-traditional Life Insurance investment plans

Understand traditional and non-traditional Life Insurance investment plans

Traditional insurance policies are of two types — participating and non-participating. Participating policies: Before starting investment, a smart investor needs to understand the pros and cons of the plan therefore traditional & Non-traditional Life Insurance Plans come with their pros and cons. Traditional policies are a low-risk investment product. These policies mostly invested in bonds. In the Traditional plan, customers get a guarantee (Partial or complete) on the cash flow, they receive over the time-period of the policy. A participating policy enables [...]

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5 points to consider before choosing a Mutual Fund Advisor

5 points to consider before choosing a Mutual Fund Advisor

The popularity of Mutual Fund Assets among investors is growing to new highs. Many new investors are committing investments to meet their long-term goals. Since it is impossible for some investors to track their investment report. Many of them take the help of a Mutual Fund Advisor. The investors look for an advisor who can help them to manage their investment. So, here are 5 important points to consider before choosing a Mutual Fund Advisor: Qualifications and experience of the Advisor: Using [...]

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Know your duties as a policyholder, while you buy an Insurance Policy

Know your duties as a policyholder, while you buy an Insurance Policy

An insurance cover is often not as simple as it sounds. With the growth of the internet, there is a variety of insurance coverage available to compare in the market. They offer different types of offers and discounts. And because of these lucrative offers sometimes we miss out some of the important aspects of what we are buying. The Insurance Regulatory and Development Authority ( IRDA) has also laid down some attributes of a smart policyholder. At the time of buying [...]

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NAV work as a performance indicator for your Mutual Fund Investment

When purchasing a commodity, we all ask for two simple things to decide the worthiness of the money we pay in for our investments. And that is product quotation and performance. Mutual funds are no different. Mutual funds in a layman’s language are organized and regulated by SEBI under SEBI (Mutual Funds) Regulations, 1996. Wherein a group of people collectively invest their money in securities. Mutual Funds allow its investors a diversified investment of funds or a pool of professionally [...]

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Mutual Fund investment planning through your post retirement income

Mutual Fund investment planning through your post retirement income

In India, old age, retirement, and pension are terms that are used almost interchangeably. Hence, it should not come as a surprise that for retirement planning, the conveniently named pension plans offered by insurance companies are hot favorites. In fact, most retirement planners choose these products simply on the basis of their limited understanding of how these products work. The truth is mutual funds have historically outperformed pension plans in the long term. And retirement is a long-term savings [...]

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7 Reasons ELSS are Better Than Other Tax Saving Investments

7 Reasons ELSS are Better Than Other Tax Saving Investments

The introduction or rather reintroduction of long-term capital gains taxes on equity mutual funds including ELSS(equity-linked savings schemes) has made some novice investors a bit jittery. A lot has already been written and said about long-term equity gains taxes on equity schemes. In short, considering the potentially high returns, Rs. 1 lakh annual gains taxation threshold. And the grandfathering of returns till 31st January 2018, equity schemes still hold the edge over competing investments. This also holds true for ELSS funds that investors [...]

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6 steps towards your financial freedom

6 steps towards your financial freedom

Our 72nd Independence Day is now behind us! It has been nearly three-quarters of a century since our country has been free from the British Empire. We are free to live our lives the way we want to, within the confines of legal jurisdictions, of course. We can make our own decisions and choose our own paths. We are also free to use the resources of our country for our own good. Yes, Independence Day is a day we [...]

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This Independence Day take a step towards your financial freedom

This Independence Day take a step towards your financial freedom

For parents, there was a time when grown-ups and working sons were synonymous with both financial freedom and security. But with changing times and new social structures, that concept of financial security has become almost non-existent, at least in most of urban India. Other than raising their children, parents themselves have to think about their post-retirement financial security. And with the demand and popularity for such approaches increasing, there are financial planners and advisors who are there to help. Here is [...]

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How you can stop your investment from slipping into insurance unclaimed funds

How you can stop your investment from slipping into insurance unclaimed funds

Recently, PTI reported that as much as Rs 15,167 crore of policyholders’ money was lying unclaimed with 23 life insurers as on March 31, 2018. Out of this, Life Insurance Corporation (LIC) has Rs 10,509 crore as unclaimed funds, while the remaining Rs 4,657.45 crore is with the 22 private sector insurers. Key reasons for rising unclaimed amount with these insurance companies 1. Failure in filing claims The biggest reason for a large number of unclaimed funds lying with the insurer is [...]

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