Here is how one can choose a term life insurance provider in 3o minutes. Each passing day, more and more individuals are realizing the need for buying a term life insurance plan. However, too much time elapses between when they decide to buy and actually buy.
Many cannot choose. They require some kind of ratification from just about anyone that XYZ is a ‘good’ company to buy from. Does not matter how ‘good’ is judged. Does not matter that unlike mutual fund or a stock, insurance is an individualistic solution.
Due to increasingly specific demands from the boy and girl, arranged marriage is becoming harder and harder to accomplish, at least in urban setups. Has it become an impossible challenge for some communities?
A few decades ago, it was important to have a steady job (assuming other more important metrics like caste, religion, sect, sub-sect, lineage and general community reputation are compatible). It was extra special if the boy had a “government job”.
Use this tool to automatically screen Indian mutual funds based on returns and create a shortlist of consistent performers in about 15 seconds! The 3rd version of the tool incorporates a change in Value Research web format and also has a new way to short list funds.
As suggested by Manoj Kumar Idam, instead of shortlisting with CAGR, the annual returns are used. This ensures the each data point is independent of each other.
A discussion on the pros and cons of a manual systematic investment plan (MSIP), instead of setting of automating it with an ECS bank mandate. I have been practising the MSIP for a few years now and when the topic was broached recently at FB group, Asan Ideas for Wealth, I thought I will list the pros and cons of manual systematic investing.
Thanks to efficient industry driven propaganda, many think of the SIP as the only way to invest in mutual funds. In fact, many believe that SIP is a type of financial instrument without realizing that it is nothing but automated monthly purchase of mutual fund units. Not many people understand that each unit purchased is independent and subject to the same exit load, taxation and lock-in (if any) as per scheme rules. Thanks again to the propaganda, the SIP is considered as an instrument that forces discipline, which I find quite amusing.
Here is a comparison between three types of funds (by choosing one in each category): Short-term gilts funds, Long-term gilt funds and ultra short-term gilt funds. In this post, I would like to reiterate a point made earlier about staying away from gilt funds unless we know how to trade in accordance with interest cycle movements.
Gilts do not have any credit risk. That does not mean they are devoid of risk. The NAV of gilt funds are marked to market. That is, the value of the bonds in the portfolio will equal the current market value. So when interest rates increase, the NAV falls and when rates decrease, the NAV increases. To understand this in detail, please refer to Understanding Interest Rate Risk in Debt Mutual Funds.