ULIPs: Disadvantages and Advantages
Two disadvantages what I can see in ULIP are, Relatively higher charges 4-5% (all inclusive) compared to 2-3% of mutual funds. Investment is relatively opaque. ...
Continue Reading →Investment for Children’s future
There are four types of investments for children: Insurance products like Komal Jeevan, HDFC young star varients and similar products from other insurance companies: They ...
Continue Reading →Investment products for Children’s future
Beware of getting into emotional trap of bad investments. Most of the products in the market in the name of children are either expensive or ...
Continue Reading →What is SWP (Systematic Withdrawal Plan)?
SWP is a fantastic mechanism for investors who want regular cash-flows from their mutual fund investments. SWP provides you with a mechanism of generating fixed cash-flows ...
Continue Reading →Accumulating money for pension
There are two phases for pension. Accumulation and Distribution phase. As per SRS survey, distribution phase is more, it implies our accumulation phase needs to ...
Continue Reading →Sovereign Gold Bonds
Ramesh…SGB (Sovereign Gold Bond) is a good initiative. There are attractive advantages compared to keeping Physical Gold or Gold ETFs: 2.5% interest guaranteed at highest ...
Continue Reading →Should I divide my money into Equity and Debt funds or Balanced funds?
If you are looking for stable growth I would prefer balanced funds instead of dividing my money into separate Equity and debt funds. There are ...
Continue Reading →Buying Shares directly vs Equity mutual funds
There are many advantages of investing in MF rather than direct equity. One of them is availability of dedicated professional fund manager at a meagre ...
Continue Reading →Fixed Maturity Plans
If you compare bank FD, then FMPs are definitely better because of indexation benefit while tax calculation. However returns are not really fixed like bank ...
Continue Reading →How much term Insurance cover is sufficient?
Term insurance is as close to a universal financial need as can be. With the exception of those who do not have any dependents, practically ...
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