insure

Mutual Funds or ETFs?

Exchange-traded funds are baskets of securities, much like mutual funds. Unlike mutual funds, ETFs are bought and sold throughout the day. That gives buyers and sellers more control, whereas mutual fund orders are only processed after the market close, based on the day’s final prices. The Growth of ETFs has been volatile. In 1990’s there were just 29 and near to end of 2016 there were 1,700 investing in various stocks and bonds and other securities. ETFs and Mutual funds are a lot in common. Both of them pursue a specific investment goal. Both offer diversification also both manage costs but depending on their investment objectives. What are the structural differences? Mutual funds accumulate a pool of money and invest to pursue objectives stated in fund’s prospectus. All the resulti...

Ever Heard Of This Investment Risk?

Investors are aware that investing in capital markets may present any number of risks such as Interest rate risks, company risk, market risk etc. Risk is not a separable companion for long-term growth. Some of the risks can be mitigated by the method of diversification. Also you may face another less known risk as an investor for which neither the market compensate you nor can it easily be reduced by diversification.  Yet it might be the biggest challenge to the sustainability of your retirement income. This risk is called the SEQUENCE OF RETURNS RISK. The uncertainty of the order of returns which an investor shall receive over a period of time refers to sequence of returns risk. “Never try to walk across a river just because it has an average depth of four feet”. For an example- say a mar...

How can Diversification Help you?

Diversification is an important mean to manage risk. But, it does not guarantee against a loss. The key is to identify investments that perform different under various market conditions. It will be diversified between bonds, stocks and cash alternatives. How diversification works For an instance, say a stock portfolio included a mechanics company, a car manufacturer and a diesel service firm. Here, even though the portfolio has spread risks it may not be considered as a good diversified portfolio as all of them are connected to one Mechanical industry. So, switch to different portfolios such as a mechanics company, a computer company and a drug manufacturer. The concept of diversification is one reason as to why mutual funds are so popular among the investors. Ways to diversify your invest...

Start Small and Grow Big

Dream Big, Start Small, Stay Focused and Keep Going Forward Ever thought of saving from your salary? Ever managed to do it? If not, here is a plan for you to develop the habit of saving and investment – SAVE INSURE INVEST !! Let’s start small – Rs.500 It is an amount you can save easily and get started with investing. Rs.500 is the minimum amount to start an SIP(systematic investment plan). Start investing Start investing in an SIP with a debt mutual fund as it let’s you withdraw the amount at a day’s notice and also provides better returns if the money is left dol in your savings account. Stay invested regularly Set a fixed date for an SIP every month so that you don’t end up spending money. Keep the process on for about 6 months to 1 year and later sta...

This Holi, Add Right Colours To Your Wealth!

This Holi, Add Right Colours To Your Wealth And here comes the most awaited day of the year. It’s Holi! So, what plans do you have for celebrating this festival of colours? Are you ready with the set of different colours, sweets and other things that you would require to play Holi safely? Of course, you would be, as you waited for a complete year to celebrate this day. Holi is considered the festival that brings colours to the life. But do you know you can add those brightening and lovely colours to your investments as well? Let’s have a look which colours you can add to your .This Holi, don’t just add colour to your life. Take a step ahead and add some vibrant colours to your financial portfolio. Similarly, if we want our investment portfolio to paint a happy picture, we must give it a go...

The Master Key For Your Financial Plan: Womens Day Special!

We all look up to strong, independent women. But how do we become one ourselves? Its easy to give in to feelings of self-doubt and back down from challenges. But that’s certainly not what being a strong woman is all about.We all know we’re different from men in some fundamental ways. But is this true when it comes to financial planning? In a word, yes. In the financial world, we often find ourselves in very different circumstances than our male counterparts. Everyone wants financial security. Yet we often face financial headwinds that can affect our ability to achieve it. CHALLENGES FACED BY WOMEN IN FINANCIAL PLANNING: Financially speaking,  women have longer life expectancies. Women live an average of 4.8 years longer than men. A longer life expectancy presents several financial challeng...

Have You Started Your Financial Planning?

We all have dreams, be it owning a car, a house, child attending a prestigious college or building a healthy retirement corpus. But we seldom pen down these goals and work towards a plan for achieving them. These can be termed as your life goals. And that is where the importance of a financial plan comes into the picture.  Financial planning is a process of determining your financial goals with the help of  available resources in a period of time. Financial planning involves wealth management , tax planning , estate planning, retirement planning ,investment planning , insurance planning and cash flow planning.   Need For Financial Plan : A financial plan Helps you to make the right investment decisions which helps you to grow your money A financial plan gives you a clear picture of how muc...

Valentines Day Special

Valentine’s Day is probably celebrated almost everywhere in the world today. This is a day which is celebrated not only by couples but anyone who is in love , who has feelings , who cares and who has a rich bonding with anything and everything . It can be a bond shared between a dog and his master or a bond between a toy and a child . Love is also another name of care, because when we care we protect them , when we protect we invest time in them. So what are your plans for this Valentines Day? What has your girlfriend demanded this time? Oh! Your wife must be expecting a diamond ring isn’t it? Valentine’s Day is one of those golden opportunity days each year where a little effort goes a long way. So why not make these efforts from day one . Here are few tips to make this day a Hassel free ...

Avoid These Mistakes To Help Money Grow Through SIP

Consistency, Perseverance and Patience are the three main objectives of investing in mutual funds – growing money through SIP. Systematic Investment Plan – Investing small amounts on a regular basis i.e. every week or every month. Instead of investing a lump-sum amount one can opt for SIP as another way of investing their amount and build wealth gradually Most people think mutual fund investment is one-time activity which is a wrong notion. Usually mutual fund investment (SIP) are made with a long term purpose in mind. In most cases, investors choose fund on the basis of risk profile, returns and tenure requirement. Investors have to assess the details, else there is a great chance of losing the capital invested into market. Mistakes that the investors should avoid while doing ...

5 Financial Policies To Be Followed For Your Thirties

Are you nearing thirty ? Then, following are the policies that you could follow to have a thriving thirty and improve your finances Reallocate your funds : Your goals have now differed from when you were twenty to when you are thirty so adjust and allocate funds to your changed goals. At twenty, the money which was spent on shopping on bags may now be changes to shopping with the same amount for your baby’s diapers. Adjust your insurance coverage : Make sure the type of insurance provided to you is still benefitting you 100%. Various insurance schemes may be very enticing to you, but you need to select the best one according to your changing needs and wants of your family members. Save upto 15% for your retirement : 30 is the exact age when you need to start building up your savings for re...

Lost Password

Register

Please wait...

Get Latest Updates

Get the latest news to stay on top of shifting global markets