Mutual Funds as a second business / a passive income source

Good morning, Retirement phase is a tricky time to handle with , the most important thing that matters is Regular increasing positive cash inflow to your bank account each month or on annual basis , as life expectancy is increasing through the time ,it's about to average at 79 years by 2028 in India,each future retiree must consider some important points while dealing with advisor while planning it few years away from retirement age . 1. Expenses heads 2. Consumer price inflation 3. Lifestyle cost and maintenance 4. Return from the investment 5. Regular income or withdrawal 6. Liquidity of assets 7. Taxation - tax adjusted return 8. Consistency of regular return 9. Risk management 10. Miscellaneous safety measures 11. Safety oriented asset allocation 12. Divestment of physical assets which are non manageable 13. Regular monitoring- quarterly to check portfolio 14. Proper medical insurance 15. No monetary liabilities 16. Reverse mortgage as income generation tool 17. Considering pos...

Investment in Mutual Funds are Subject to Market risk .....This is the disclaimer written with each mutual fund communication to the public by SEBI (Securities and Exchange Board of India ) to make people cautious while investing through mutual funds schemes , But this is only the beginning or the basic to the Risk , The degree of Risk taken in produces returns on investments , Risk free rate is the rate of return delivered without any deviation , the risk is nothing but the deviation from the expected return from the investment , Risk / Reward ratio defines the relationship between the risk and the return , A person walking on his foot on the road on the footpath is less prone to risk of accident until some external events occurs to damage him in some way , But a Biker , riding the bike at 60+ Km/Hr speed is more prone to collapsing or getting hit by some vehicle , Here Safety Plays a important role , means if the biker has checked his bike's fitment before riding it like brakes ,...

Good Evening Investors!!! SIP - Success investment Plan , Saral Investment plan , Sabse important plan , these are some full forms which are very popular amongst investors , SIP is must today for everyone, it should be the first investment for all, the power of SIP , Long term investment and compounding function are the three ingredients for long term wealth creation , Diversified Equity Mutual funds has a long past performance track records available to date , a regular SIP in ELSS tax saving schemes generated immense wealth in 20 years of time, If an investor started an SIP of  5000/- rs per month which run for 240 months having generated  CAGR of 12% per annum then today after 20 years, total investment value of rs 12,00,000 is  more than 45,00,000/- almost 4 times of investment value.

Good Morning Readers ,  I have already talked about SIP - Systematic investment plan, where Funds from investor's bank account gets deducted each month or week or bi weekly or quarterly as per the instructions given for investment into a mutual fund scheme on a pre specified date and amount , Here STP is Systematic Transfer plan , where Firstly investors park their lumpsum investment amount let say 100000/- INR in a Liquid or Liquid plus mutual fund scheme where the Safety of the capital , liquidity and returns are well managed and then an amount from liquid / plus funds gets transferred to the mutual fund schemes mostly an equity scheme and that transfer could be daily , weekly , monthly on a pre specified date and amount , STP are very good investment strategy to gain advantage of volatility and rupee cost averaging , When markets are highly volatile due to some national and international economical factors , STP is a very disciplined and one of the good approach to enter in the ...

Hello Readers , I hope you all are doing good , OTM- One Time Mandate , OTM is a kind of payment instrument where An investor fills up the the OTM or NACH - National Account clearing house or SI - Standing Instruction or ECS - Electronic clearing system , This helps Investors to decide how much money he wants to invest or transact in mutual funds scheme and here multiple transactions can be placed in a working day , OTM can be setup in two ways - Electronic and physical , Electronic mandate can be set up by Mail approval that has a limit of Rs. 1,00,00,00/- and Physical scan upload mandate has a transaction limit of Rs. 1,00,00,000/- , OTM is the best way to invest in mutual funds , In today's time In India BSE STARMF is a very good MF transaction platform where OTM got registered on the name of ''ICCL'' Indian Clearing Corporation Limited , which is Subsidiary collection organization of BSE limited , Once Investor's mandate is registered on ICCL , The investor ...

Good Morning , Today we will talk about RoBo Assisted app for mutual funds investments , I provide a Google Android Play store application to invest in mutual fund scheme through a robo/AI Artificial Intelligence assistance , For that you need to download MFDPKVERMA app from Google play store , kindly install the app on your android smartphone , as of now Apple Phones are not supported , Once you will install the app , you need to click on the app to open it , Once you open the app it will ask your name and contact details then you have to follow instructions for making your kyc if its not made till date else please follow the below steps to complete the kyc process !!! Step 1 Personal Info. Step 2 Identity Step 3 Address Step 4 Correspondence Address Step 5 KYC Forms Step 6 Fatca Step 7 Signature Step 8 Photo Step 9 Video Verification Step 10 Aadhar E-sign verification

Hello Investors, Gone are the days when an investor used to invest in Indian Equity Market to gain advantage of efficient inflation adjusted returns, The recent Pandemic was the outcome of Globalized civilization where different countries and continents are well connected via flight , in short every singe human being is today connected with the rest of the world and how its connected that does not need any explanation , Technological development and research have changed the face of planet Earth today , Abundance of easily accessible Information over internet brought a new era of independence and freedom to change the mind set of a common investor of any country , Investment is now become borderless and easily accessible to any class of investor today , Out of all Asset classes available till date Equity investments has surpassed each asset classes by a huge return margin and Return is incomplete without risk where underlying risk of  Volatility in price , Phases of economies as bo...

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Debt Fund or Fixed Income or Deposit Income or Regular Income funds or Rental Income from fixed asset , Its a Bond between lender and borrower , borrower will bound to repay principal amount at the end of the bond contract and interest on principal will be paid periodically as set in the bond contract , Fixed Deposit in bank , Public Provident Fund in Bank or post office , Recurring deposits , National Saving Certificate, Government Provident Fund , Employee Provident Fund all are different instrument under fixed income schemes ,  Like an owner of a vacant house gives his property to Tenant to live in and tenant pays rent to owner of the property and rental is fixed in nature and there is contract of rental agreement between two parties viz. owner and tenant for 11 months in India , post 11 months the contract of agreement needs to be reviewed for further extension ? Like this we have borrower of the funds and the lenders of the funds in the market , general public invests their su...

Good Morning, Praveen Kumar Verma (MFD)  is a well known and reputed mutual fund distributor based in Varanasi ,Praveen having presence globally , Praveen's core expertise is in mutual fund distribution services ,   Praveen Kumar Verma(MFD)  have been distributing mutual fund schemes to all class of Investors, Praveen follows SEBI/AMFI code of conduct and guidelines while distributing mutual fund schemes to new as well as existing customers/Clients. ''Apart from mutual funds Praveen provide Insuarace products solutions , Estate Planning services solutions by charging brokerage / commission'' ''Mr. Praveen Kumar Verma started the mutual fund distribution business in March 2014 ,  prior to that Praveen served MNC/Corporates between year 2009-2013 in Eastern ,Western and northern markets of India''. ' 'Praveen possess  strong mutual fund domain expertise and deliver best level of financial services to the clients'' WHAT you can expect fr...

Investing your surplus income must have rewarding outcome, reason being you are forgoing current consumption by restricting yourself today !!!!

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You own or anything which you will own after your death forms a part of your estate ,  One's property moveable and immovable , vested and contingent , especially as disposed of in a will. It includes both your current and contingent assets , that means assets you might own after your death , for example ,you were travelling in an airline and the aircraft crashed ,the airline paid compensation of your death , the compensation so received is part of your estate and you can distribute it according to your wish through a will . Very few people want to think about their estate plan , as doing so mean thinking about scary events in future ,such as death and incapacity also because it involves awkward conversations with with family members . But in reality , it's worth going through the psychological discomfort , time , expense of drawing up your will and other estate planning instruments because it will make you and your heirs life easier. Estate planning instruments 1. Will 2.Trust ...

Volatility, fluctuations ,ups and downs , recession , price discount, cheap price , risk taking. Above mentioned words are the basic ingredients of investment to be successful , return comes with risk , and risk is nothing but a parameter that explains deviation from average return. Return and risk are two sides of the same coin , the time you grow your return expectations , inherent risk will grow proportionately , investment management is nothing but juggling between these two beasts named risk/return. Fear of losing something will keep people staying away from taking more risk , and they land up with zero risky asset and get into a big trap of invisible enemy that is inflation , staying away from risk inevitably increase more risk of losing the value of investment like I mentioned in retirement blog , so it's better to take calculated risk as per your risk profile to ensure better return , risk reduces as you stay invested for long term horizon , SIP takes advantage of volatilit...

Happy Saturday, Yesterday I wrote about SIP in equity mutual fund and power of compounding , I hope you have read it to realize the value . Today I  will talk about the subject which looks very boring , far fetched and less interesting for a person who is in his/her age group of 20-40 , but for those people who already attained the age group of 45-55 and done nothing concrete to fund their sunset years , which is about to begin in next 5-15 years of time , that will bring stress of not planning properly during their early income years or got hooked with poor investing habits that generated income for those who does not care about your financial well being , an the time flies away and you realized you made a big mistake that can not be revoked , In reality a person can retire or take holiday from work forever if he foresee the future of his LIFE , Ideally if someone start investing on the very first day of job and that too systematically through SIP route in Diversified Equity mutua...

 Hello investors, Investment is like looking at sapling that grows over time to become a fruit bearing tree , compounding is like getting fruits each year for free , An investment in Equity mutual funds are like investing in a basket of diversified businesses that generates and creates wealth over many generations ,  a business man invests in business to grow and create wealth for him and society , An investor invests in the the promising business opportunity to generate wealth , you invest your money from active income source to generate a life long passive income source that leads to financial freedom and happiness , here mutual funds are seen not less than a business where you invest that leads to financial freedom , a systematic investment plan in mutual fund can create huge wealth over long term horizon , assume a person who starts his first job at age of  25 and started investing a 10000 INR every month in a diversified equity mutual fund scheme through SIP route , ...