NRIs can invest in MFs, says MF expert Rahul Goel.
The best way to find an advisor is to talk to your friends and family who are using the services of one, says personal finance expert Rahul Goel.
If you have about 3-5 hours every day to study the stock markets and the companies to inevst in, then go for direct equity. If not, go in for mutual funds, says expert Rahul Goel.
However, for those investors, who are simply looking at earning a return inline with the markets, index funds are great.
We have no idea where the stock markets are headed in the near term. we cater to clients who are inevsting for the long term, for which we have a view, says personal finance expert Rahul Goel.
Always keep your portfolio simple, says mutual fund expert Rahul Goel.
If you are investing in equities, you should have a minimium investment tenure of three years.
If you continue to invest Rs 10,000 per month till you retire, assuming a return of about 15 per cent, you should be able to accumulate Rs 1 crore, says financial planning expert Rahul Goel.
If you don't have enough time to study the market, go for mutual funds, says personal finance expert Rahul Goel.
SIPs should be entered for 12 months at a time, and then renewed. You should use the renewal as an opportunity to review the portfolio. SIPs are a great way to invest in our view. if the environment is volatile, then SIPs are probably the best way for most investors, says mutual fund expert Rahul Goel.
One needs to set aside only about 15,000 per month in assets yielding 15 per cent per annum to achieve an inflation adjusted goal of Rs 1 cr in 25 years. Since the tenure is long, best would be a portfolio of diversified equity funds, says the financial expert Rahul Goel.
Tax saving mutual fund schemes invest in the stock markets and therefore carry risk as compared to say a PPF or a NSC.
We have no idea where the markets are headed in the near term. In fact, we do not pay much heed to the Sensex as it is dominated by only a handful of stocks, says Rahul Goel.
Markets pose a host of options - insurance, mutual funds, select post office schemes, PPF etc. Where you invest should depend on your needs, says financial planning expert Rahul Goel.
Funds like fixed maturity plans, which are close ended debt funds can give some indication of the returns they will generate. this too will not be assured. if you are looking for assured returns, then post office may be the place or an FD at a credible company, says Rahul Goel.
The most common mistake investors make is to inevst in funds wich have offered the highest return in recent times, says personal finance expert Rahul Goel.
Most of the times, NFOs are gimmicks to mobilise more assets, says Rahul Goel, CEO, Personalfn.com.
Whether you invest one time, or in multiple installments, the entry load will be the same. the load is charged on the value of the investment. The money is invested in installments so as to average out the cost of acquisition of mutual fund units, says personal finance expert Rahul Goel.
Gold ETS do make investment sense for some, but not all, investors. We would need to understand your circumstances well to be able to guide you on this, says personal finance expert Rahul Goel.
Be on your guard while dealing with MF advisors, says personal finance expert Rahul Goel.
When evaluating a fund, one needs to not only look at the past performance but also the way in which it is managed.
Diversified business group Videocon on Thursday said it aims to become one of the top three mobile handset manufacturers in the country this year.
If you are about to retire then the government savings schemes would suit you more. A word of caution here: do not take insurance to save tax. take it for the right reason - to secure the future of your dependents in your absence, says personal finance expert Rahul Goel.
Personal finance expert Rahul Goel answered to many such readers' queries during an hour-long chat on Thursday.
If you invest in one shot into a mutual fund, you run the risk of having mistimied the investment. The SIP dilutes this risk by having you invest money on a fixed date every month over a period of time, says financial planning expert Rahul Goel.
Mutual funds and ulips are two very different investment instruments. Before investing, please understand the product your are putting you money in very well, says Rahul Goel.
Invest in a basket of well managed equity funds. If your asset allocation demands that you need to be invested, go ahead and invest some money; do an sip. Be sure to select the funds best suited to you, says mutual fund expert Rahul Goel.
It is best to build a portfolio of mutual funds that will deliver capital appreciation over the long term, advises Rahul Goel.
A volatile market tends to throw up investment opportunties for the long term investor. whether you should invest in stocks or deposits, is a function of your needs, profile, risk appetite, return expectation etc, says mutual fund expert Rahul Goel.
Funds like Franklin India Tax Shield makes it to the list of good tax saving schemes, says Rahul Goel.
The markets represented by the BSE Sensex had become very expensive in terms of valuations, so one should not get panicky, says financial planning expert Rahul Goel.
You should select the funds in line with your risk appetite and return expectations
Using the western concept of a wedding registry, many couples are directing the attention of their friends and relatives to a donation registry and encourage them to give directly to their favourite charity in lieu of a gift.
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