nivesh_admin, Author at Nivesh

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So far nivesh_admin has created 17 blog entries.

Difference Between Investing in Stocks & Mutual Fund

These days people get frightened hearing about investing in stocks. But sometimes they consider the same for the Mutual Funds also. But one needs to correct the assumption in this regards. Yes, mutual funds partially invest in equities depending upon the scheme structure, it is not the same like investing in stocks. Multiple factors play a role in buying stock by the fund manager. Let’s try to first understand basic difference: Stock Price V/S NAV When one buys a stock, it is bought at the prevailing stock price. Thus one can buy 5 shares of a company at let’s

nivesh_admin2020-03-11T15:47:54+00:00March 11th, 2020|Mutual Fund, SIP|

Why Should One Start Early in the Mutual Fund?

Do you remember your childhood days? You used to ask your parents about something and they used to promise for some future date, like if you will score some good marks, you will get what you want. You might have felt, let me grow up. When I will start earning, I will fulfill all my desires with my income. Now the journey of earning has already started. The moment you start earning, your spending plan is ready. There is no need to think much. Infect lifestyle and peer pressure does not let you get free out of this race. But

nivesh_admin2020-03-09T14:25:33+00:00March 9th, 2020|Mutual Fund, SIP|

Common Mistakes to Avoid While Investing in ELSS

There are certain mistakes investors make quite often when it comes to ELSS investment. Following are some of them: Waiting Till March for Investment This is a very common tendency of investors. They wait till march for the investment to be done. Either it is about not in priority, lack of funds, lack of clarity, or expectation to time the market. SIP is the simplest answer to all these challenges. Redeeming Funds Immediately After Lock-In Period Patience is the name of the game. Longer duration of investment gives better return. But at times investors have the mindset of only getting

nivesh_admin2020-03-05T15:30:55+00:00March 5th, 2020|ELSS, Mutual Fund, SIP|

Rupee Cost Averaging: Magic Behind Your SIP

SIP in Mutual Fund is all weather strategy, but why? What makes it a foolproof strategy? Let’s understand. Equity market does not move in straight lines. Of Course that makes it special. Because it is through this process it gives higher returns in the long run. But here comes the dilemma of a conservative investor. He/she cannot bear this sharp volatility. Also, timing the market becomes another big challenge for a beginner. Answer to all these challenges is avoid timing the market and averaging the purchase. Every month a certain amount of money is invested, same time and same amount.

nivesh_admin2020-03-04T14:55:09+00:00March 4th, 2020|Financial Planning, Mutual Fund, SIP|

Budgeting: Your First Step to Financial Freedom

Have you thought financial planning is just about your investment? No, budgeting i.e. your plan to spend is also a very important factor. Infect, it's a first step towards your financial freedom. Budgeting will help you save more and saving will help you invest towards your financial goals. So effective saving is possible with budgeting. As they say, ‘the devil is in the detail.’ All your complaints about not being able to save will vanish if you start checking your spending pattern. What is better, to plan before you spend or repent after you spent? Well, the choice is apparent!

nivesh_admin2020-03-02T15:13:53+00:00March 2nd, 2020|Budgeting, Financial Planning|

Importance of a Financial Planner

All of us respect a sound advisor. But often we ignore the importance of having one. Financial planning is a subject which requires deep knowledge and understanding estimating client needs. It is a scientific approach and also an art which comes by experience. How to take full advantage of having a financial planner? First is to know his/her role and importance. Financial Planner helps you define your financial goals: First role of a financial advisor is to make you aware about your future needs. Unless you are clear about it, no robust investment can succeed. If it is not tailored

nivesh_admin2020-02-29T15:47:19+00:00February 29th, 2020|Financial Planning|

Common Mistakes to Avoid in Mutual Fund Selection

Mutual Funds are very simple to understand. So at times, investors prefer to select their funds on their own. They might be able to select the best of the funds, but they do make some common mistakes which ideally an advisor can help them to avoid. Let’s look at them one by one: To Look At Short Term/Recent Performance of the Fund: It's very easy & common practice. Looking at the recent performance data of the fund, investors get attracted to invest in it. Completely forgetting that past performance is not the guarantee of the future one! There are

nivesh_admin2020-02-26T15:53:12+00:00February 26th, 2020|Uncategorized|

Difference Between Mutual Fund & PMS

Mutual Fund & PMS, both are portfolio based investments i.e. investment is done on more than one stock or company. Often people have question about the fundamental difference between these two. Diversified V/s Concentrated Portfolio: Mutual Fund fundamentally is a diversified portfolio. It focuses on optimum return by taking minimum risk with the use of diversification strategy. Although stock selection, number of stock and combination percentage of equity & debt vary by scheme type. But it still focuses on variety. PMS on other hand is more concentrated effort. Volatility: Conviction of the fund manager in PMS plays a very important

nivesh_admin2020-02-21T15:53:44+00:00February 21st, 2020|Uncategorized|

Some Interesting Points About Insurance

Have you heard about the term ‘Free Look Period’? This is a time of 15 days given by an insurance company to its policy holders to recheck the terms & conditions of the insurance they have bought. It starts from the insurer receive the policy documents. If the policyholder is not satisfied with the policy, he/she can receive the premium back & cancel the policy. But remember, it is not applicable for motor insurance policy. Have you purchased a life insurance policy to financially secure your wife and children? But what if your wife and children don’t get anything when

nivesh_admin2020-02-20T16:24:09+00:00February 20th, 2020|Insurance|

How can I select right ELSS (Tax-saving) Mutual Fund?

Firstly, do you know Mutual Fund can help you to save tax also apart from probability of higher returns on investment? Equity Link Saving Scheme or ELSS is the type of mutual funds which can help you save tax upon investing and under section 80(C) of Income Tax Act. One can invest maximum Rs. 1.5 lakhs in ELSS per annum & save tax upto Rs. 46,800/-. Investment in ELSS fund has lock-in period of 3 years from the date of investment. In case of SIP, every instalment of SIP gets a lock-in of 3 years from the date of purchase.

nivesh_admin2020-02-18T19:19:25+00:00February 18th, 2020|Mutual Fund, SIP|