Investing Insights

Can you Afford your Child’s College Education?

“Sending ones children to a good college” consistently ranks as one of the top financial goals for most Indian parents. No wonder a plethora of financial products exist that specifically target this goal. However, with rising education costs, a good college degree is unlikely to come cheap in the years to come. Unless one is very wealthy and sitting on large savings, it becomes nearly impossible to have the required money ready in time without having a robust plan in place. Unfortunately, recent research has shown that more than 75% of Indian parents wish they had started saving for their children’s college fund earlier than they did. Given that the quality of your child’s education will make a significant difference to his or her future earnings and career growth prospects, it’s no wonder that this becomes a ‘top of the mind’ priority for all parents.

What is Retirement Planning?

For most of us, Retirement Planning isn’t something we take seriously until we hit our mid-forties. One fine day, we get up realising we’ve got less than a decade and a half left until we hang up our work boots, and panic sets in! Since we no longer have time on our side, we end up making massive lifestyle compromises in order to put together a corpus that’s sizeable enough to help us pull through our non-earning years. Needles to say, this isn’t an enviable position to find yourself in.

3 Ways to Make Your Tax Saving Mutual Funds Work for You

Tax Saving. For most of us, these two words are like music to our ears! In fact, a big part of the unchecked proliferation of Life Insurance Products may be attributed to our collective obsession with financial instruments that lead to tax saving gains.

Low SIP returns? Don’t worry!

AMFI’s impactful and far reaching “Mutual Funds Sahi Hai” successfully drew thousands of first time Mutual Fund investors into the fold in the past three years. Emboldened by healthy past returns, a large number of these investors took the SIP (Systematic Investment Plan) route. Unfortunately for them, SIP returns haven’t quite been hunky dory in the past couple of years. The large majority of Mutual Fund SIP investors who began investing last year are sitting on flat to marginally negative returns and having to wrestle with creeping doubts.

How to Choose a Great Financial Advisor

Everyone’s a Financial Advisor these days: your Insurance Agent, your Chartered Accountant, your Bank Manager, your Real Estate Agent, and if the markets turn bullish ahead of the general elections, it’s likely that your local ‘paanwalla’ will become a self-style Financial Advisor too!

Are Mutual Fund SIP Investments Low Risk?

In May 2018, Equity funds (including ELSS) witnessed net inflows of Rs. 11,350 crore, up 1.60% from Rs. 11,171 crores in April 2018. Mutual Fund SIP Investments continue to gain traction, and their contribution has almost doubled in last two years from Rs. 3,122 crores in April 2016 to Rs. 6,690 crores in April 2018!

What are Robo Advisors and How do They Work?

Globally, the market for robo-advisory services is growing rapidly, and experts believe that the Indian market will follow suit in due course. According to a recent Business Insider Intelligence forecast, robo-advisers will manage investment products worth $1 trillion by 2020 globally, which will go up to $4.6 trillion by as early as 2022. That’s a massive degree of acceleration! As an investor, it’s vital that you know what Robo Advisory platforms are, and how they work.

Top Mutual Fund Misconceptions Retirees Should Avoid

The cumulative Assets Under Management (AUM) of Indian Mutual Funds may have gone past the 22 Lakh Crore (22 Trillion) rupee mark recently, but anecdotal evidence suggests that a number of Mutual Fund investment related misbeliefs still abound. Here are three common ones to watch out for.

Retirement Planning: Generating Income Through SWP's

New retirees typically face the common dilemma of how best to generate retirement income from their hard-won savings. Should they purchase an annuity, opt for a post office monthly income plan, buy real estate and earn rental incomes, or for that matter – just be content with earning FD interest? But did you know that even for post-retirement income generation, Mutual Funds Sahi Hai? In fact, Mutual Fund SWP’s (Systematic Withdrawal Plans) represent one of the simplest, most tax-efficient and high yielding income generation methods available today.

3 ELSS Mutual Fund Related Mistakes to Avoid

Smart tax savings start with avoiding common ELSS mistakes—don’t let short-term thinking cost you long-term gains!

Should you invest into Child Education Plans?

Its no secret that sending their kids off for a top notch higher education is a prime aspirational goal for most Indian parents. The segment of the financial services ecosystem that has capitalised most richly on this ubiquitous goal is, undoubtedly, the Life Insurers. With glossy brochures and opaque plans that are loaded with jargon, these so-called Child Education plans have snared many an unsuspecting investor over the years. But are these Child Education plans really worth buying into? Let’s find out.

Post Recategorization: Which Debt Mutual Fund is

Read this blog to know the correct debt mutual fund. Debt Mutual Funds are divided in 16 different categories so many investors are confused. To know more, visit us now!