Sundaram BNP Paribas Select Midcap Fund is one fund that, over various market cycles, stands tall over its peers in the mid cap funds segment.
For a high risk-taking investor, MIPs offer the opportunity to incorporate a degree of stability in an equity portfolio. Sadly, a product that can value to the portfolio has been pushed to the sidelines.
Now asset allocation may sound like a complicated concept, but isn't. As the word suggests, it means distributing your money across various investment avenues or assets so that the poor performance of any one avenue/asset does not jeopardise the entire investment plan. As logical as that sounds, it is one of the rarest traits in a financial plan, but more on that later.
Assured return schemes tend to account for a significant share of an investor's portfolio. As the name suggests, these schemes offer assured returns i.e. investors know upfront how much return they are going to earn from their investments. Therefore, there is less uncertainty i.e. lower risk associated with investing in such schemes. Notwithstanding the benefits offered by these schemes, not all assured return schemes make worthy investments.
For most investors, a fund's performance on the net asset value appreciation front is sacred i.e. returns is the only parameter to be considered while making an investment decision.
Portfolio Management Schemes are hugely popular with investors these days. Interestingly, a large number of investors we meet at Personalfn are already evaluating an equity PMS opportunity, but usually for the wrong reasons.
With the tax-planning season in progress, you should brace yourself for a lot of 'noise' that you will soon be subjected to. The noise will come from various quarters. Mutual funds will hawk tax-saving funds (also referred to as equity linked saving schemes), while insurance companies will pitch in for ULIPs (unit linked insurance plans) and endowment plans.
It is true that medical insurance provides compensation for the medical expenses incurred, but there are several limitations. Depending only on medical insurance may not be enough to take care of all medical expenses. Therefore, individuals must aim at building a separate medical corpus to supplement the medical insurance.
Taking on risk without understanding its implications isn't right. Similarly, a common mistake made is that risk is considered in isolation. The right approach for evaluating risk is to consider it in conjunction with return; what is commonly referred to as the risk-return trade-off.
As more women take up the responsibility of contributing towards the family income, the risk of a loss of income in case of an eventuality increases. Also observed in many cases is the fact that some families are dependent solely on one earning member who happens to be a woman. Having a life cover under such circumstances can prove to be helpful.
The concept of Human Life Value is something that we all hear about (especially from the insurance agent!) but do not really know how to calculate. The reason being there is no definitive source of information on the subject. The fact that there is more than one methodology for calculating the HLV makes the subject even more challenging to understand.
retirement to you means lazing on the sofa reading a book without any worries, then that's not very different from how most of us wish to spend our retirement. The difference however, is in the planning and application to achieve that standard of retirement. While some only dream of a blissful life after 60, some actually get down to achieving it. The dream can be a reality for you as well, you just need to outline a plan and be disciplined and patient.
It was another good month for investors as equity markets surged northwards and touched record highs. The BSE Sensex posted a gain of 14.73% during the month to close at 19,838 points; the S&P CNX Nifty appreciated by 17.53% to settle at 5,901 points. The CNX Midcap rose by 8.49%, before settling at 7,450 points. However, these numbers conceal the intense volatility that was experienced during the month.
With less than 6 months left for the close of the financial year, smart investors would have commenced their annual tax planning. Tax-saving funds (also referred to as equity linked savings schemes -- ELSS) are popular avenues among risk-taking investors. Apart from providing benefits under Section 80C (investments in tax-saving funds are eligible for deduction from gross total income), tax-saving funds offer investor opportunity to invest as per their risk appetite.
A lot of mutual fund advice/research out there is focussed on how investors must evaluate mutual funds. Unfortunately, that is often not enough, which explains why wrong mutual funds are still sold/bought and mis-selling continues to be the bane of the industry. As a result, a lot of investors who end up investing in the wrong investment are left very disillusioned with how their investments have performed. All this can be prevented if investors are armed with two rules.
Investors' fascination for an 'out-of-the-ordinary' or 'fancy' investment avenue is baffling. There is an inexplicable urge in investors to add an unusual investment avenue to their portfolios. For example, a conventional diversified equity fund with an impressive long-term track record routinely gets the thumbs down. The reason being -- it's seen as a boring investment (whatever that means).
As we enter the peak tax-saving season, you will notice an increase in advertisements related to tax-planning products. Expect an escalation in the noise surrounding tax-saving products like life insurance and mutual funds. These advertisements will almost certainly be followed up by persistent calls from telemarketers, not to mention personal visits from your friendly neighbourhood insurance agent.
In their short history, Gold ETFs have been quite successful in capturing investors' fancy. It must be noted that while ETFs as investment avenues may not be very popular among investors, it is the Gold ETFs segment wherein the interest is palpable. The fact remains that Gold ETFs are like any other investment avenues and have their fair share of pros and cons. This in turn highlights the need for investors to properly evaluate the Gold ETF option.
Rs 1 crore cannot be accumulated overnight, and hence your roadmap to accumulating such a large sum of money must be realistic in terms of investment amounts, tenure and expected return.
The most common definition of HLV is the expected life time earnings of an individual, i.e. what is the total income that the individual is expected to earn over the remainder of his working life, expressed in present Rupee terms.
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