nivesh_admin, Author at Nivesh

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So far nivesh_admin has created 17 blog entries.

Importance of Estate Planning

Estate planning is passing of assets or investments down from one generation to another. It is a dynamic process that needs to be reviewed at regular intervals to absorb any changes that might happen in our lives or in the laws of the country. In another words, estate planning is the process of anticipating and arranging for the management and disposal of that person's estate during the person's life and after death with minimum tax liability. The ultimate goal of estate planning can be determined by the specific goals of the individual, and may be as simple or complex as

nivesh_admin2020-02-17T15:36:44+00:00February 17th, 2020|Estate Planning, Financial Planning|

Why SIP Sahi Hai?!

Often we come with this question, why to invest systematically i.e. every month? Why not to time the market? Well, answer is simple. What is my priority? Should I wait for an ideal time to enter the market or should I start from where am I? Remember, your goal is more important than any other factor. And goal doesn't wait for ideal market situation. SIP helps you average every market situation and also helps you catch the long term market trend. At every market level, there is an opportunity to invest. While we focus on our goal, we give fund

nivesh_admin2020-02-17T09:26:23+00:00February 17th, 2020|SIP|

Steps to Start Your Financial Planning

Month of March is nearby and tax planning season is at peak. Often in the process of selecting right product for saving tax, we miss the basic financial planning process. What is financial planning & why is it important? Financial Planning is a step by step process of analysing your current situation and focusing on what is priority investment decision one has to take. While one needs to visit his/her financial advisor preferably a CFP for detailed analysis, certainly there are some basic things one can analyse by self. Following are some basic points of Financial Planning: Emergency (Contingency) Fund: Any financial

nivesh_admin2020-02-17T09:24:42+00:00February 17th, 2020|Financial Planning|

Importance of Goal in Investing

life without goal is like a race without finish line, you are running nowhere!’ It also applies to your investment. No amount of investment will be sufficient unless you have a purpose for it. Also in Mutual Fund it is said, ‘Mutual Fund can fulfil your financial needs, but it cannot fulfil your greed.’ Often we see individuals losing their money in the equity market due to many reasons. But question comes, why do they make such mistakes? One of the answer is we humans are emotion driven. So at the time of taking decisions we tend to go with

nivesh_admin2020-02-17T09:23:07+00:00February 17th, 2020|Financial Planning|

Retirement Planning, Purpose & Process

At the age of 28 or 30 this might look like an alien subject, but retirement planning is the first goal one should plan. You can get a loan for all other purpose, simply because you are earning. The moment you reach at a stage of retirement, no loan can be availed for your retirement. This can only be done if one has planned it well in advance. This is a process of saving systematically & regularly for considerably long period of time, around 20-30 years. Second part is to invest that amount in a Mutual Fund or other similar

nivesh_admin2020-02-17T09:21:54+00:00February 17th, 2020|Retirement Planning|

What is term plan & what is it’s purpose?

Term plan is a pure risk plan. It covers an individual’s financial loss due to loss of life. Thus, it helps to safeguard family members of primary earning member. Also there are multiple reasons other then this. Term plan is taken for the following purposes: Loss of Income Due to Loss of Life: It compensates the family in financial terms. One can secure 20-30 years of income for the family in case of his/her loss of life. To Cover Risk of Loan Related Liabilities: In case of death of the individual, institutions like banks get protection against loan recovery related

nivesh_admin2020-02-17T09:17:09+00:00February 17th, 2020|Term Plan|

Asset Allocation & Its Purpose

When did you last review your portfolio? If the answer is I check it every day, you are missing the point. You cannot review something rationally if you see it too often or after too long. Periodic & systematic review can help you to judge performance of your portfolio based on your investment objective and suitable asset allocation strategy. What is asset allocation? To simply put, not to keep all your eggs in one basket! Conventional definition as per Wikipedia is ‘Asset allocation is the implementation of an investment strategy that attempts to balance risk versus reward by adjusting the

nivesh_admin2020-02-17T09:11:34+00:00February 17th, 2020|Asset Allocation|