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Decision Making in Current Financial Market Scenario

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Decision Making in Current Financial Market Scenario
Market is going through rough patches so is your mutual fund Portfolio. Bleeding markets usually hampers confidence of investors and specially ‘retail investors’. Since 14th Sep 2018 to till date, different indices have fallen by approx 11%. The severity of fall has shaken confidence of investors.
Market corrections are always seen with some problem into micro or macro economy. We have to understand the push of correction and future outlook, after correction is over. Having said, market corrections is a way of profit booking by all type of investors and majorly domestic or foreign financial institution. Market generates higher returns comparing to other asset class in long term because of its uncertain nature. Markets not only get affected by domestic issues, but also it gets affected by international economies issues as well. Being an investor, we have to understand and analyze both the parameters for long term inflation adjusted bet…

Money Management

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Money Management

Do you think, you have enough money for your retirement or future goals? Do you feel you have successfully and financially achieved or can achieve for which you dreamt of? Are you confident that your life is secured or on the right path financially?
If your answer is 'Yes', then this article may not be written for you as time saved is money earned, so close the tab.
For those, who is with us and their answer is ‘may be” or “No” continue reading. We will tell you, how you can make fortunes and become rich by small savings every month. The simplest way to make fortune and become rich is money management. Money management is an art in which all individuals needs to work on.
The old saying “Money saved is Money earned” is a bit outdated, now a day’s “money saved and invested properly is money earned”. As an individual you need to analyze your annual expenses, annual luxury and opportunities available for multiplying your savings. A right product mix can enhance ROI…

Risk Profiling & Financial Planning

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Mr. Gurmeet and Mr. Rajesh are both working professionals. Gurmeet is a 28-year-old young individual and Mr. Rajesh is in his early 40’s.
Do they have same risk profile?
The answer is NO. Let’s take another example, suppose both are of same age with one being a salaried employee and other a businessman, again the same question “Do they have same risk profile?”
Answer will still remain the same “NO “. Why?
Risk profiling before any investment is an immensely critical part. Many of us fail in assessing risks involved with individuals and investment. A 28-year-old salaried professional will have different risk profile compared to a 42-year-old salaried professional. Similarly, a 28-year-old businessman will have different risk profile compared to a 28-year-old salaried professional. Their life’s financial goals are different, their risk appetite is different.
In today’s world, each individual has its own set of financial goals which differs from other individual. Hence, there is nothing a…

Financial planning for Retirement fund

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Financial planning for Retirement fund
In today’s world everyone is running towards making his or her life more comfortable financially. Be it urban or rural population both save money for their future. In our life we have all sorts of financial goals like children’s education, vacation planning, children’s marriage or buying a new car. But out of this which we don’t consider is the most important task of life which is retirement funding. At particular age individuals will stop earning fresh money but expenses will still be there. Major percentage of individuals starts saving for retirement fund after they cross age of 45 plus. This is actually very difficult to built a decent corpus for retirement at that age as major of liabilities and goals start maturing at that time and which leads to higher expenses and generally individuals are left with no or small corpus of retirement fund.
Retirement is actually a period wherein individual will definitely wish to travel or enjoy as he or she w…