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 ,...
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 , ...
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...
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