tag:blogger.com,1999:blog-65540170706219752222024-03-28T05:23:12.064+05:30A Guide to Indian InvestorsA Personal Finance Blog with an aim to educate investors and bring financial literacy Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.comBlogger58125tag:blogger.com,1999:blog-6554017070621975222.post-454544813294941842017-04-20T01:25:00.002+05:302017-04-20T11:59:03.799+05:305 Retirement Planning Myths<div dir="ltr" style="text-align: left;" trbidi="on">
<h2 style="text-align: left;">
<span style="font-size: large;">5 Retirement Planning Myths Debunked</span></h2>
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<span style="font-size: large;">How would you feel if you have to live without a salary for 20 years or more ? To be precise, that's what retirement is all about!!!</span><br />
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<span style="font-size: large;">Majority of Indian Middle class fall in below category </span><br />
<span style="font-size: large;">a) When young and newly married -Attitude is Who cares for retirement</span><br />
<span style="font-size: large;">b) Married with children - Already paying an EMI for Home Loan & Car Loan (you should read <span style="color: red;"><a href="http://investkiyakya.blogspot.in/2016/07/real-estate-vs-mutual-funds-which-is-better-investment.html" rel="nofollow" target="_blank">Mutual Funds Vs Real Estate</a></span> , if you married with children and planning to buy a house)</span><br />
<span style="font-size: large;">c) When Children Graduate - Home loan is completed and Education Loan started (read <span style="color: red;"><a href="http://investkiyakya.blogspot.in/2016/08/Cost-of-Child-Education-Planning.html" rel="nofollow" target="_blank">Child Education Planning</a></span>)</span><br />
<span style="font-size: large;">d) When Children Marry - Loan for Marriage </span><br />
<span style="font-size: large;">Finally when retirement comes, mostly dependent on children</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjukqdwwthvsw6Yt8Rcs0hmn_wG0RJS91X2jJGZiTCKUCO3Nzie_nPiIUNjdTNL39IqzIC4RSJNL1IRL3ZIwVa3tuHY5MB6NDk19gHLU8GMRQ5B0fBdpmZjM98CpgpamCMnU8F2_LV3oOgl/s1600/retirement-planning-myths.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjukqdwwthvsw6Yt8Rcs0hmn_wG0RJS91X2jJGZiTCKUCO3Nzie_nPiIUNjdTNL39IqzIC4RSJNL1IRL3ZIwVa3tuHY5MB6NDk19gHLU8GMRQ5B0fBdpmZjM98CpgpamCMnU8F2_LV3oOgl/s320/retirement-planning-myths.jpg" width="320" /></a></div>
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<span style="font-size: large;">Middle class life entire life goes in debt but will never take the risk of investing in stocks or mutual funds.</span><br />
<span style="font-size: large;">I am sorry if i am hurting your feelings but above is truth based on what i have interacted with so many senior citizens whom i met every morning in joggers park near my house.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Must Read : <span style="color: red;"><a href="http://investkiyakya.blogspot.in/2016/05/how-much-insurance-do-i-need.html" rel="nofollow" target="_blank">How Much Insurance Do You Need?</a></span></span><br />
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<span style="font-size: large;">Usually, In India, people expect their children to look after them or presume that their EPF corpus will suffice for their retirement expenses (if not redeemed for any </span><span style="font-size: large;">of the loan above). But if you calculate the approximate money needed to lead a stress free life, retired life you will realize why planning for your retirement is as </span><span style="font-size: large;">important as planning for your other life goals.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Similarly, While you have been planning for your retirement, you may have also believed some of the retirement planning myths that are branded about.</span><br />
<span style="font-size: large;">Hence, Whether you are about to start planning your retirement or have already started it, about to retire or have already retired, this article is for you.</span><br />
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<span style="font-size: large;"><b>Myth #1 : Retirement is a lifelong process</b></span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Retirement is usually treated as long holiday.But that is exactly what it is not.</span><br />
<span style="font-size: large;">Is it possible to be on a holiday for 20 years of your life? Certain retirees often experiences alienation during their retirement period as their role as a worker is </span><span style="font-size: large;">over.They do not feel productive and feel disengaged from their lives. some look for support in their communities or try to find some work to feel productive.Hence, </span><br />
<span style="font-size: large;">retirement is not a long holiday for rest of your life </span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Must Read : </span><span style="color: red; font-size: large;"><a href="http://investkiyakya.blogspot.in/2016/05/mutual-funds-versus-ulip.html" rel="nofollow" target="_blank">Why you should not buy ULIP</a></span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Myth # 2 : <b>You save and invest when you earn and spend when you retire</b></span><br />
<span style="font-size: large;"><b><br /></b></span>
<span style="font-size: large;">While it is true that you are encouraged to keep savings and investing for your retirement, that is simply so that you can be relatively free of financial burden </span><span style="font-size: large;">during retirement years. </span><br />
<span style="font-size: large;">But does this imply that you only keep spending during retirement? Hardly. Even in your retired life, you have a long future to consider,bills </span><span style="font-size: large;">to pay and expenses to meet. You may have a corpus hefty enough to meet your needs for next 20 years or so but can you say for sure you will be able to meet all </span><span style="font-size: large;">unplanned expenses as well? </span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">If saving money is your habit you have developed all your life, there is no reason to stop it the moment you retire. If you have a substantial retirement corpus, you </span><span style="font-size: large;">will not be using the entire corpus at one go. Hence, keep a part of it investing ensuring that your funds are not lying idle. If you also generate supplementary </span><span style="font-size: large;">income by doing some part time or consulting work or have rented out a property, income coming fro these streams are added to your corpus. Hence, you need to work out </span><span style="font-size: large;">a plan for investing this regular income too. </span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">In Short, just because you have stopped working does not mean your money should also stop.</span><br />
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<span style="font-size: large;"><b>Myth # 3 : I don't plan to retire, so no need to save</b></span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Every coin has two sides, Because of technology you are reading this article and the same technology had made many jobs obsolete.</span><br />
<span style="font-size: large;">By the time you retire, the work you do may become obsolete. Hence, finding work suitable to your skill sets could be challenging, especially if companies are looking to hire young guns. Instead of relying on your continued work, rely on your present income to generate future income. </span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">The future might be uncertain, but as the saying goes "precaution is better then cure", present is also uncertain. Your salary comes in every month might be getting a yearly bonus and salary increment as well. Start your savings and investments for retirement. Do not give yourself the illusion that you can be frivolous today and keep working because you anyway do not plan to retire.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Must Read : <span style="color: red;"><a href="http://investkiyakya.blogspot.in/2016/08/what-if-insurance-company-goes-bankrupt.html" rel="nofollow" target="_blank">What if your Insurance company goes bankrupt?</a></span></span><br />
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<span style="font-size: large;"><b>Myth # 4 : You should exit equities at retirement.</b></span><br />
<span style="font-size: large;">One of the biggest myth surrounding retirement planning is that your corpus should not be invested in equities or equity oriented mutual funds. These misconception have led people believe equities are unsafe and volatile.</span><br />
<span style="font-size: large;">Equities as an asset class have given the highest return over the long term. The long term period reduces volatility and also increases returns. Hence if you are planning to start investing for your retirement, equities should be your priority as you benefit from the time value of money and the power of compounding.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;"><b>Myth # 5 : You should repay loans before you start savings for retirement.</b></span><br />
<span style="font-size: large;">A lot of us tend to believe that since goal of retirement is far away, we can start planning for it much later. This is a costly mistake. If you start early, you can start small and reduce the financial burden later on. </span><br />
<span style="font-size: large;">Many investors prioritize repayment of loans before starting their plan for retirement. They tend to treat retirement planning as secondary goal compared to repayment of debts.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">At this stage, you have to remember that a person who cannot help himself is no good for others. Hence, break the myth of "Shall plan retirement later" or in Typical hindi "Dekha Jayega" and start doing so now, along with your various debt repayments.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Must Read : <span style="color: red;"><a href="http://investkiyakya.blogspot.in/2016/06/term-insurance-policy-for-60-years.html" rel="nofollow" target="_blank">Why term insurance is required up till 60 years?</a></span></span><br />
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<span style="font-size: large;"><b>Conclusion</b> </span><br />
<span style="font-size: large;">Retirement is that one goal for which you have a plan. For every other goal, you have the option of taking a loan and repaying with your future income. Retirement does not allow you that luxury. You have to make the best with what you have saved and invested. </span><br />
<span style="font-size: large;">Hence, do not fall for these myths and set up hurdles in your retirement planning process.</span><br />
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<span style="font-size: large;"><strong>PPS:</strong> If you think this page and blog will be useful to any of your friends please spread the word. A good way to start is to share this page on your social circle using floating social share bar on the left. 🙂</span><br />
<br />
<span style="font-size: large;"><b>About the author</b></span><br />
<span style="font-size: large;">Vipul is a software sales professional for Asset Management Companies, Pension Fund and Stock Brokers from last 16 years.</span><span style="font-size: large;"> </span><br />
<br />
<span style="font-size: large;">Vipul believes that the amount of financial information flowing our way is probably 10 times more than what it used to be 15 to 20 years back due to the advent of newer forms of communication.</span><br />
<span style="font-size: large;">All this information is creating an information overload in the minds of individuals resulting in analysis paralysis and he helps them select the right decision while creating a Goal based financial plan.</span><br />
<span style="font-size: large;">In case if you need a Financial Plan please connect to him on vipuls1979@gmail.com</span><br />
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com43tag:blogger.com,1999:blog-6554017070621975222.post-58864086350126996182017-04-19T19:47:00.000+05:302017-04-19T19:47:27.542+05:304 Things Not To Do Until Your Home Loan is Sanctioned<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-size: large;">If you are planning to buy a home and
think that your home loan application
can easily get accepted by the bank, think
again. While a good income is certainly
a criterion for lending, a bank takes into
consideration a whole lot of other things
too before deciding to lend. However,
some silliness on your part before making
the first move can derail the most important
goal of your life.</span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinDLQuW9xm_ToTe_HUpcElCKWYMsK5BiKa2dNebThLbyv-x-jkFQkNEm42UW-zTSG-znHLUHm3nKY1LL3uW74WCuX174Xht27d7CbHZ5YFtAolY4cSK4oaRuKWqsFhHNZQKVpYNrlLv3UZ/s1600/precaution-homeloan.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinDLQuW9xm_ToTe_HUpcElCKWYMsK5BiKa2dNebThLbyv-x-jkFQkNEm42UW-zTSG-znHLUHm3nKY1LL3uW74WCuX174Xht27d7CbHZ5YFtAolY4cSK4oaRuKWqsFhHNZQKVpYNrlLv3UZ/s400/precaution-homeloan.jpg" width="400" /></a></div>
<br />
<br />
<span style="font-size: large;">Must read : <a href="http://investkiyakya.blogspot.com/2016/07/real-estate-vs-mutual-funds-which-is-better-investment.html" rel="nofollow" target="_blank"><span style="color: red;">Mutual Funds vs Real Estate</span></a> </span><br />
<br />
<span style="font-size: large;">Buying a home is everybody’s dream. And
a variety of finance options make us believe
that realizing this dream into reality
is not that difficult. But it’s not easy
either. The first step towards the same is
getting the loan sanctioned. And this includes
certain behaviors’ of yours before
you apply for the loan. Take a look at the
things you should not do till the mortgage
you want gets closed down.</span><br />
<span style="font-size: large;"> </span><br />
<span style="font-size: large;"><b>Do not change job</b><br /> </span><br />
<span style="font-size: large;">While the offer of a new job is enticing, you should refrain from job hopping when you have to apply for mortgage few months down the line. Frequent change of jobs is viewed suspiciously by lenders as it implies job instability. <br />Your mortgage request can be rejected on account of this as lender places a high value on the latter. You need to be employed at one place for certain time duration in order<br />to be eligible for the home loan. This period can range anywhere from one to three years.</span><br />
<br />
<span style="font-size: large;"><span style="font-size: large;">Must read : <a href="http://investkiyakya.blogspot.com/2016/08/retirement-planning-beating-inflation.html" rel="nofollow" target="_blank"><span style="color: red;">Retirement Planning : Beating Inflation blues</span></a> </span> </span><br />
<br />
<span style="font-size: large;"><b>You should not take your address lightly</b><br />You should not change your residence between the time of applying for the loan and till the same is sanctioned. This is because the address that you mentioned in the loan application form would be investigated by the lender during Contact Point Verification (CPV) check. If your CPV check is negative, that is if you are not available at the residence mentioned by you, the loan application can be rejected. </span><br />
<br />
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<b><span style="font-size: large;">Do not close an old loan account </span></b><br />
<span style="font-size: large;">While it is a known fact that a bad credit
behavior hurts your CIBIL score, you
must also know that some good credit
behaviors can also have a negative impact
on it. And closing one of your old
credit card accounts, especially if it has
a clean repayment track record, is one
of them. This is because the length of
the credit history is an important factor in determining your CIBIL score. The longer it is, the better it is. So you should avoid closing any credit account before applying for a home mortgage.</span><br />
<br />
<span style="font-size: large;">Must read : <a href="http://investkiyakya.blogspot.in/2016/05/mutual-funds-versus-ulip.html" rel="nofollow" target="_blank"><span style="color: red;">Mutual Funds vs ULIP</span></a> </span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;"><b>Avoid taking another line of credit</b> </span><br />
<span style="font-size: large;">If you have to apply for a home loan in few months time, drop the idea of adding another line of credit. In calculation of your home loan eligibility, your existing lines of credits are also taken into account.<br />Suppose you want a loan of Rs 25 lakh on which home loan EMI works out to be Rs 25,000. But if you had taken a personal loan sometime back towards which you are paying Rs 10,000 as EMI, then as per fixed obligation to income ratio the reworked EMI for the home loan would be only Rs 15,000. <br />Accordingly, your home loan eligibility would be reset.<br />If you pay heed to the above mentioned points, closing your home loan mortgage will be a smooth sailing process.</span><br />
<br />
<span style="font-size: large;"><strong>PPS:</strong> If you think this page and blog will be useful to
any of your friends please spread the word. A good way to start is to
share this page on your social circle using floating social share bar on
the left. 🙂</span><br />
<br />
<span style="font-size: large;"><b>About the author </b></span><br />
<span style="font-size: large;">Vipul is a software professional developing software for AMC, Pension Fund and Stock Brokers from last 16 years.</span><span style="font-size: large;"> </span><br />
<br />
<span style="font-size: large;">Vipul believes that the amount of financial information flowing our way is probably 10 times more than what it used to be 15 to 20 years back due to the advent of newer forms of communication.</span><br />
<span style="font-size: large;">All this information is creating an information overload in the minds of individuals in taking decision and he helps them select the right decision while creating a Goal based financial plan.</span><br />
<span style="font-size: large;">In case if you need a Financial Plan please connect to him on vipuls1979@gmail.com</span><br />
<br />
<span style="font-size: large;"><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;"><span style="color: red;"><span style="color: black;">Mutual Funds & Insurance Related Articles :-<br /><a href="http://investkiyakya.blogspot.in/2016/06/benefits-of-systematic-investment-plans.html" rel="" style="color: #888888; text-decoration: none;" target="_blank">Benefits of SIP</a></span></span><br /><a href="http://investkiyakya.blogspot.in/2016/06/what-is-systematic-transfer-plan.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">What is SWP in mutual Funds</a><br style="line-height: 18.48px;" /><a href="http://investkiyakya.blogspot.in/2016/08/9-tips-to-choose-right-mediclaim-policy.html" style="color: #888888; text-decoration: none;" target="_blank">9 Secrets to choose right mediclaim</a><br style="line-height: 18.48px;" /><a href="http://investkiyakya.blogspot.in/2016/08/Cost-of-Child-Education-Planning.html" style="color: #888888; text-decoration: none;" target="_blank">How to Plan for your Child Education Planning</a><br style="line-height: 18.48px;" /><a href="http://investkiyakya.blogspot.in/2016/08/retirement-planning-beating-inflation.html" style="color: #888888; text-decoration: none;" target="_blank">How to do Retirement Planning</a><br /><a href="http://investkiyakya.blogspot.in/2016/05/best-sip-mutual-funds-long-term-2016.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">Best 3 Large Cap Mutual Funds for SIP in 2016 </a><br /><a href="http://investkiyakya.blogspot.in/2016/06/best-equity-midcap-funds-to-invest-in-2016-for-long-term.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">Best 3 Midcap Mutual Funds for SIP in 2016</a><br /><a href="http://investkiyakya.blogspot.in/2016/07/top-5-elss-or-tax-saving-mutual-fund-to-invest.html" rel="" style="color: #888888; text-decoration: none;" target="_blank">Best ELSS Tax Savings Mutual Funds for SIP in 2016</a><br /><a href="http://investkiyakya.blogspot.in/2016/05/mutual-funds-versus-ulip.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">Why you should not buy ULIP</a><br /><a href="http://investkiyakya.blogspot.in/2016/05/how-to-select-mutual-fund-for-portfolio.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">How to Select Mutual Fund for Portfolio</a><br /><a href="http://investkiyakya.blogspot.in/2016/06/liquid-funds-better-than-savings-bank-account.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">Liquid Funds are better alternative than Savings Bank account</a><br /><a href="http://investkiyakya.blogspot.in/2016/06/what-is-fixed-maturity-plan-and-its-benefits.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">What is FMP in Mutual Funds</a><br /><a href="http://investkiyakya.blogspot.in/2016/06/monthly-income-plans-in-mutual-funds.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">Complete Guide on Monthly Income Plans</a><br /><a href="http://investkiyakya.blogspot.com/2016/06/credit-opportunities-fund-complete-guide.html" style="color: #888888; text-decoration: none;" target="_blank">Complete Guide on Credit Opportunities Fund</a><br /><a href="http://investkiyakya.blogspot.in/2016/06/equity-linked-savings-schemes.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">How to Save Tax using Equity Linked Savings Scheme</a><br /><a href="http://investkiyakya.blogspot.in/2016/06/how-to-budget-your-money.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">How to Budget Your Money</a><br /><a href="http://investkiyakya.blogspot.in/2016/05/how-much-insurance-do-you-need.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">How Much Insurance Do You Really Need</a><br /><a href="http://investkiyakya.blogspot.in/2016/06/term-insurance-policy-for-60-years.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">Why Should you buy Term Insurance Upto 60 Years</a><br /><a href="http://investkiyakya.blogspot.in/2016/06/Insurance-policies-for-women.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">5 Must Have Insurance Policies for Women</a></span> </span></div>
Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com16tag:blogger.com,1999:blog-6554017070621975222.post-67107532908643996642016-09-21T01:23:00.001+05:302016-09-21T01:23:41.138+05:30Demystifying Futures :- Margin and Mark To Market<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><b>What is Futures ?</b></span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span>
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">This question comes in the mind of those trader who are either newcomer in stock market or want to come in stock market but do not know what it is actually Nifty Future or Reliance Future or Stock Future. But they have listen this word number of times.</span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span>
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">So as we know there is National Stock Exchange, one of the main stock exchange of India. Most of the companies registered in this stock exchange and through this stock exchange we are able to do transaction in these companies stock . We are able to buy and sell the companies stock through our broker registered in stock exchange.</span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span>
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Index of National Stock Exchange is known as Nifty. And the derivative contract of Nifty 50 known as Nifty Future. Nifty is a portfolio of main 50 stocks and according to movement of these stock, we see the up and down movement in Nifty</span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span>
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">As of now in India a minimum tradeable contract in future has to be of Rs 5 lakhs that is the reason Nifty Future lot size is 75 which means 75 X 8800 (Approximate) = Rs 660000</span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span>
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/02/How-is-volatility-calculated-in-stock-marets.html" target="_blank"><span style="color: red;">How is Daily & Historical Volatility calculated for Stocks</span></a></span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><b>Why Futures ?</b></span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Imagine a scenario that you are doubly sure that a scrip like Reliance Industries will move up in next few months due to Jio Launch or fundamentals or what not. </span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">But the idea is you are bullish on Reliance, now Reliance Industries trade at 1070, If you had to buy 500 shares then you will have to pay 535000 to broker for delivery. </span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Futures market helps you buy 500 shares in a single go while paying a margin of around 7% which is equal to Rs 37450.</span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">There is no Physical delivery of shares in your demat account but virtually you are holding 500 shares of reliance industries which is the lot size.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><b>How is market to market calculated in futures ?</b></span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Assume you purchased 1 lot of Reliance at 1070 on 19/09/2016, closing price of Reliance Sep Futures on 19/09/16 was 1084.15 so your ledger account will be credited with Rs 7075 (closing price - purchase price * lot size) </span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">On 20/09/2016 your future position would be brought forward with Rs 1084.15 from 19/09/2016, since you did not sold your future on 20/09 and it would be carry forwarded with closing price of 20/09/16 to 21/09/06.</span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">This cycle continues unless you square off the position or last Thursday of the month whichever is earlier </span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">MTM of 20/09/16 would be 1084.15 - 1078.95, now your ledger would be debited with Rs 2600</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"> ( Today's Closing Price - Yesterday closing price * Lot Size) </span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">On 21/06/16 you squared off the position at the rate of 1087, now your ledger would be credited with Rs 4025</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"> i.e 1087 (sold rate) - 1078.95 (yesterday closing price) * 500.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">All in all you earned a total of Rs 1087 - Rs 1070 = Rs 8500</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">It can also be a loss if you reliance goes down . Futures trading is risky compared and at certain level it may erode your capital , it is always better to have stop loss while trading in futures. </span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/01/power-of-attorney-in-demat-online-trading.html" target="_blank"><span style="color: red;">What is POA in Demat & Online Trading</span></a></span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><b>How is Margin Calculated in Futures ?</b></span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">When you trade in futures market, Stock Broker collects upfront margin from you which includes Initial Margin (Span Margin) & Exposure Margin.</span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Everyday stock broker has to inform the exchange about margin collected from each and every client, in case of margin shortfall, penalty is levied to broker which in turns levy to you in case of shortfall.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">You can adjust your stocks against your margin lying with the broker beneficiary account or in your POA account but only those scrips which are Liquid and approved by Stock Exchange after haircut i.e Var Margin</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">According to NSE, Exposure margin is not compulsory to collect in Equity Derivatives Segment but it is compulsory to collect in Equity Currency Segment.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">As i mentioned earlier there are two types of margin in futures i.e Initial Margin & Exposure Margin </span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Initial Margin is the span margin computed by exchange and it comes around to 7.1% of the overall value of the contract </span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">In our above example of Reliance Sep Future , If you had to buy or sell a future then you have to deposit an upfront margin of Rs 1070 X 500 = 37985 </span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Exposure Margin is published by NSE in circular section.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Must read : <a href="http://investkiyakya.blogspot.in/2016/01/different-types-of-orders-in-stock-market.html" target="_blank"><span style="color: red;">Types of Orders in Trading Engine</span></a></span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">In our example we shall assume exposure margin of 5% for Reliance Sep Future i.e Rs 26750</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">In addition to Rs 37985 you will have to deposit Rs 26750 to buy or sell 1 lot of future. The whole purpose for margin is to collect enough money from you to absorb the capital loss in case if reliance has to go down by 10% </span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Margin also work in the manner of MTM discussed earlier , A new margin is debited daily and previous margin is credit in your account resulting in difference of margin entry in your ledger </span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">I hope i am able to explain you in layman's term,In case if you have any doubt or want any kind of clarifications do let me know in comment section, i would be happy to assist you.</span><br />
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com10tag:blogger.com,1999:blog-6554017070621975222.post-20931747130607912922016-09-20T00:43:00.000+05:302016-09-20T00:43:51.481+05:30Why Mutual Fund Houses Stop Fresh Investments<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">In the last three years, mid- and small-cap mutual fund schemes have given returns of close to 35% to 42% on an average. And they have given average returns of around 15% over the last 10 </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">years, highest in the equity segment. However, in the past few months, valuations of several blue-chip high-quality stocks have hit the roof. In fact, many weaker companies have experienced a sharp correction.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjAPby3osDZnh-Jjh43SV6dFpNRI733mEPlulwZrxJxlnoatDdKnLFPo81L21PyHroDi4bY5VCh7TG001d4cwh7MthPYv3W-Ct1AWdorFrWJWLUyGtgEX9J_hVqj2FuaMy2m-ZBIOIWVZaB/s1600/on-hold1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="143" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjAPby3osDZnh-Jjh43SV6dFpNRI733mEPlulwZrxJxlnoatDdKnLFPo81L21PyHroDi4bY5VCh7TG001d4cwh7MthPYv3W-Ct1AWdorFrWJWLUyGtgEX9J_hVqj2FuaMy2m-ZBIOIWVZaB/s320/on-hold1.jpg" width="320" /></a></div>
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">The rally in mid- and small-cap schemes has been so fast and intense that even fund houses are failing to find enough opportunities to invest at this point in time. Recently, DSP BlackRock Micro Cap Fund restricted fresh inflows of over 1 lakh into the scheme. There have been instances where many fund managers have hiked their cash exposure only because of the lack of opportunity in the market.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Another major reason for stopping large flows is that in the last few years the corpus of many mid- and small-cap schemes have risen multiple fold. With assets of around 50,000 crore in such a category, it will be very difficult to deploy any more in it. </span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/09/should-you-prepay-home-loan-emi-vs-sip.html" target="_blank"><span style="color: red;">Should you pre-pay your home loan ?</span></a></span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Due to paucity of high-quality stocks with enough liquidity in the mid-cap space, fund managers of large mid-cap funds may even be forced to invest a part of their portfolio in large-cap stocks, thus reducing the potential return from it. There are many instances of fund managers not being able to book profits in </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">particular stocks for weeks and months due to lack of liquidity in those stocks.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">The Indian mutual fund industry is well aware of the fact that smaller funds are easier to manage. Even some large-cap funds like HDFC Top 200 which has grown in size have failed to live up to expectations. This is why fund houses launch close-ended funds as this exercise circumvents the size problem. </span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">But such measures from fund houses will not solve investors problems,especially if the small scheme they had invested in a few years back has become very large in the current market run-up. One cannot continue to blindly put money in such schemes as there will be times when performance will be impacted. It is always better to invest in funds that are smaller in size with a positive history of performance.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/07/large-cap-funds-are-safer-and-stable.html" target="_blank"><span style="color: red;">Large Cap Funds are Safer and Stable</span></a></span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">In this article I have explained <b>why mutual fund houses stop fresh inflows into funds and its impact on the performance of such funds.</b></span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><b>When Do Fund Houses Stop Fresh Flows And How Does Additional Inflow Impact The Performance</b></span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Inflows into equity or debt schemes is the dream of any fund house or fund manager. With a surge in assets - fund houses can earn income through management fees through expense ratio, which is anywhere between 1.5% and 3%.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">But what happens if a fund house plans to stop inflow into its equity scheme for a temporary period and how does it impact investors and the scheme’s performance?</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Few years back Franklin Templeton India Prima Fund was one of the first funds to suspend fresh sale of units in January 2006 - when there was an overall euphoria in the bull market. A few months later, Reliance Growth Fund, a mid-cap fund with assets of over 2,400 crore in April ’06 also restricted inflows into its scheme.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/07/real-estate-vs-mutual-funds-which-is-better-investment.html" target="_blank"><span style="color: red;">Mutual Fund Vs Real Estate - Which is Better for Investing</span></a></span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">But restrictions and suspension of fresh units are only limited to big-ticket investors (lump-sum investments of `1 lakh and above). Investors who continue to invest through systematic investment plans (SIPs) can, however, continue to do their investments. With rising equity markets and stock opportunities, the mutual fund industry continued to focus on ‘assets gathering’.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">But in 2008-09, financial crises hit the global markets, and there was a blood bath on Dalal Street. IDFC Premier Equity, another mid-cap scheme, stopped further subscriptions although investors could invest through SIPs. Later, the fund house decided to open a small window for fresh investments for a few months. This phenomenon continues even today when fund </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">managers feel that the stock markets are overheated.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">A scheme typically chooses to stop fresh inflows when there is a perceived lack of investment ideas. Instead, fund managers might choose to sit on the cash till the market opens up for sound investments.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Must read : <a href="http://investkiyakya.blogspot.in/2016/07/top-5-elss-or-tax-saving-mutual-fund-to-invest.html" target="_blank"><span style="color: red;">Best 3 ELSS Fund to Invest in 2016 for wealth creation</span></a></span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">While maintaining a higher cash position could help the fund outperform when the market is sliding, there is a limit to how much cash a fund can keep (fund houses are mandated to write on offer documents). The fund may not always be in a position to wait it out and avoid investing altogether. </span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">In such cases, restricting inflows in the scheme is the only way out. </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">In the Indian mutual fund industry as well as the international fund business, another reason for stopping incremental inflows is when the scheme corpus grows too unmanageable for the fund manager. </span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">This typically happens when the broader market is on an upswing or when the fund is doing exceedingly well, attracting a surge of money from return-hungry investors.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Last year, SBI Small & Midcap Fund stopped inflows because the mutual fund scheme had outlined a capacity constraint of 750 crore in its offer document, implying that it would not absorb additional money beyond the set threshold. </span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">If we look at all the mentioned schemes, we see that these were typically mid- and small-cap schemes because limited investible basket of stocks, coupled with liquidity concerns around these stocks put the fund manager in a difficult position when faced with continuing inflows. However, for retails investors the best thing is to continue with their SIPs and not stop only because the markets are either expensive or cheap.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Must read : <a href="http://investkiyakya.blogspot.in/2016/05/best-sip-mutual-funds-long-term-2016.html" target="_blank"><span style="color: red;">Best Equity Mutual Funds to Invest in SIP for long term wealth creation</span></a></span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><b>Is More Exposure In Mid- And Small-cap Funds Hazardous?</b></span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">At the start of calendar year 2013, very few investors were ready to invest in mid- and small-cap schemes. Valuations of several mid- and small-cap stocks were available at huge discounts and many fund houses had launched closed-ended equity schemes. By November-December 13, there was a sharp surge in midand small-cap rally, which has more or less peaked out by now.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">But in the last three-and-a-half years, several investors jumped to buy small- and mid-cap schemes as past returns in these schemes made them irresistible. In the year 2014, several small-cap schemes were giving one-year returns of more than 100% and the typical Indian psyche of investing in a surging market was on full display yet again.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Now, the rally seems to have lost steam with a number of mid- and small-cap stocks crashing by 10% to 20%. A few have even touched an all-time high with unreasonable valuations. Therefore, it is very important at this juncture to analyze the performance of investments in mid- and small-cap focused mutual funds and understand how the future looks like for them, going forward.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/06/best-equity-midcap-funds-to-invest-in-2016-for-long-term.html" target="_blank"><span style="color: red;">Best Midcap Fund churning money for investors</span></a></span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">The equity markets have risen in the past few months largely due to the passage of the Goods and Service Tax (GST) bill and positive monsoon. But with uncertainty in Europe and China and election in the US, it is likely that the Indian equity markets might remain volatile.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">But as we know small- and mid-cap stocks and schemes are more volatile than pure large-cap or broader markets, it is important for investors to not aggressively invest only in mid- and small-cap schemes as it was the case in the last few months. In the last one year, midcap index and small-cap index have given returns of 16% and 8%, respectively.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Mid- and small-cap mutual funds outperform rest of the market when the economic outlook is positive as we saw during the 2003-08 bull market. At such a time if the demand for risky assets such as equities is not mitigated, smal-cap stocks see sharp rallies (as was visible in selective stocks) as investors try to make quick bucks. Such euphoria often happens towards the end of a bull market.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">On the other hand, when the markets are nearing the bottom and small caps start looking cheap, chances are greater that they become even cheaper as panic selling takes them to new lows.</span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Many times small- and mid-cap stocks may remain completely out of flavour if markets fail to stabilize thereafter much like the pre-2013 period of nearly four years. At this juncture, when the extended bull rally in Indian equities looks difficult, it would be wise to stay with large- and multi-cap funds.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Must read : <a href="http://investkiyakya.blogspot.in/2016/05/how-to-select-mutual-fund-for-portfolio.html" target="_blank"><span style="color: red;">How to select mutual fund for portfolio ?</span></a></span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><b>In A Nutshell</b></span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">As said above in the article small-caps and mid-cap mutual funds outperform the rest of the market when the economic outlook is robust and large caps look expensive. But on the other hand, large caps can be relatively stable as against mid- and small-caps. So they would not go up much or fall if fundamentals justify their valuations compared with their mid- and small-cap peers. </span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">It is time to revisit your portfolio and reassess your asset allocation. Due to the current market rally, if your equity exposure has increased to a great extent than what you had planned or,it’s time to re-balance the portfolio and have a mix of equity and fixed income portfolio</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Similarly, you should redeem your money from schemes that have under-performed in the last few years and look out for other schemes and continue investments through SIPs.</span><br />
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<span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: medium;">I also hope you enjoyed reading the article , it takes time to write articles, request you to please spread the word. A good way to start is to share this page on your social circle using floating social share bar on the left.</span><br style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: medium;"><span style="color: red;"><span style="color: black;"><br /></span></span><span style="color: red;"><span style="color: black;">Who doesn't like a financial healthy life,In case if you want one, contact me for Financial Planning, please do drop an email to me at <a href="mailto:vipuls1979@gmail.com" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">vipuls1979@gmail.com</a>. I would be happy to assist you</span></span></span><br />
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<span style="color: black; font-size: 10pt;">The Article is only for information purposes and Vipul Shah (</span><b><span style="color: #ff6600; font-family: "arial rounded mt bold", sans-serif; font-size: 10pt;">https://investkiyakya.blogspot.com</span></b><span style="color: black; font-size: 10pt;">) is not providing any professional/investment advice through it. The article does not constitute or is not intended to constitute an offer to buy or sell, or a solicitation to an offer to buy or sell financial products, units or securities. </span><b><span style="color: #ff6600; font-family: "arial rounded mt bold", sans-serif; font-size: 10pt;">https://investkiyakya.blogspot.com</span></b><span style="color: #7f7f7f; font-size: 10pt;"> </span><span style="color: black; font-size: 10pt;">disclaims warranty of any kind, whether express or implied, as to any matter/content contained in this article, including without limitation the implied warranties of merchantability and fitness for a particular purpose.</span><b><span style="color: #ff6600; font-family: "arial rounded mt bold", sans-serif; font-size: 10pt;">https://investkiyakya.blogspot.com</span></b><span style="color: #7f7f7f; font-size: 10pt;"> </span><span style="color: black; font-size: 10pt;">and its subsidiaries / affiliates / sponsors / trustee or their officers, employees, personnel, directors will not be responsible for any direct/indirect </span><span style="color: black; font-size: 10pt;">loss or liability incurred by the user as a consequence of his or any other person on his behalf taking any </span><span style="color: black; font-size: 10pt;">investment decisions based on the contents of this guide. Use of this article is at the user’s own risk. The user must </span><span style="color: black; font-size: 10pt;">make his own investment decisions based on his specific investment objective and financial position and using </span><span style="color: black; font-size: 10pt;">such independent advisors as he believes necessary.</span><b><span style="color: #ff6600; font-family: "arial rounded mt bold", sans-serif; font-size: 10pt;">https://investkiyakya.blogspot.com</span></b><span style="color: #7f7f7f; font-size: 10pt;"> </span><span style="color: black; font-size: 10pt;">does not warrant completeness or accuracy of any information published in this guide. All intellectual property rights emerging from this article are and shall remain with </span><b><span style="color: #ff6600; font-family: "arial rounded mt bold", sans-serif; font-size: 10pt;">https://investkiyakya.blogspot.com</span></b><span style="color: black; font-size: 10pt;">. This article is for your personal use and you shall not resell, copy, or redistribute this article , or use it for any commercial purpose. All names and situations depicted in the article are purely fictional and serve the purpose of illustration only. Any resemblance between the illustrations and any persons living or dead is purely coincidental.</span></div>
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com7tag:blogger.com,1999:blog-6554017070621975222.post-72731036390263227892016-09-13T01:16:00.002+05:302016-09-13T01:16:54.751+05:30Should You Prepay Home Loan - EMI vs SIP<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">If i had to ask you, What are the three basic necessities of human, I am sure your answer would be Food, Clothing and Shelter (Roti, Kapda & Makaan) but shelter is something which becomes the most prized possession of our life.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgvQ6qjxe2_GnOHNEDQfK3qdSHXyH0ZrfB8BE2rEkjN2CpzjJaAv9Hb-GrulObm0J45x_MW-lEXuUVu1caOA5Gfjgn3QycYoHp37EVkHdFgs7azLAlIdQ1GPhrTH_x5LNATSblQRnQlzEu2/s1600/SIP-Vs-EMI.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="167" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgvQ6qjxe2_GnOHNEDQfK3qdSHXyH0ZrfB8BE2rEkjN2CpzjJaAv9Hb-GrulObm0J45x_MW-lEXuUVu1caOA5Gfjgn3QycYoHp37EVkHdFgs7azLAlIdQ1GPhrTH_x5LNATSblQRnQlzEu2/s320/SIP-Vs-EMI.png" width="320" /></a></div>
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Typically in India what i have seen is,as soon as you start earning there is so much of pressure in buying a home. </span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Once you do this then EMI is something which becomes a part of your cash flow statement.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">After Paying your EMI's for couple of years few of things can </span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">happen which are mentioned below </span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">1-> Your Salary Increases </span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">2-> You get a lump sum from somewhere </span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">3-> you get married and your spouse is earning </span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">The most natural thoughts the come to your mind is "Should i make some pre-payment towards my home loan so that my tenure comes down and i am able to repay my home loan as soon as possible"</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Must Read : <span style="color: red;"><a href="http://investkiyakya.blogspot.in/2016/08/what-if-insurance-company-goes-bankrupt.html" target="_blank">What if your Insurance Company Goes Bankrupt</a></span></span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">But Hold on what if i say you can invest in better returns rather then paying off your home loan and this is what exactly we are going to see in this article </span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span>
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Let me give you an example </span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Mr Ravi took a home loan of Rs 50 Lakhs @ 10% for 20 years for an EMI of Rs 48,251</span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">After paying 1 year EMI , Mr Ravi gets married and his wife is also earning Rs 20000 a month, so now they have extra disposable income Rs 20000.</span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">The most natural thought that comes to Ravi's mind is "Should i make some prepayment towards my home loan now that i have Rs 20000 extra or should i invest them somewhere else"</span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span>
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Below are the 2 Scenarios</span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span>
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">In Scenario 1 : Ravi decided to invest his extra disposable income Rs 20000/- in mutual funds through SIP for 19 years, I have taken 19 years because 1 year EMI has already been paid </span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span>
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">In Scenario 2 : Ravi could have paid his home loan in 10.25 years while doing a pre-payment of Rs 20000/- each month start from 13th month i.e after 1 year and whatever amount they were paying towards the home loan i.e 48251 + 20000 = Rs 68251 are now available into mutual funds through SIP for 9.75 Years </span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">9.75 Years because Ravi took a home loan for 20 years and paid off in 10.25 years </span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">In the below Image ,</span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicJ4B-MPUnq_EaMGsF5SIn2SKJpL8-J9ouE1ieSuvrdynv1KME3do2cYD2LMEwo_T6g0xzRVP0ZNtsXTTEzGt1UCUDWVdFTdan-mX-4nAp1KdW2lvrNcAZbcdQQUsg7LWMEkPZhSgaV1tS/s1600/should-i-prepay-my-home-loan.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="170" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicJ4B-MPUnq_EaMGsF5SIn2SKJpL8-J9ouE1ieSuvrdynv1KME3do2cYD2LMEwo_T6g0xzRVP0ZNtsXTTEzGt1UCUDWVdFTdan-mX-4nAp1KdW2lvrNcAZbcdQQUsg7LWMEkPZhSgaV1tS/s400/should-i-prepay-my-home-loan.jpg" width="400" /></a></div>
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span>
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span>
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">1st Column shows the rate of returns expected on investments </span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">2nd Column Shows the return of SIP of Rs 20000/- if invested for 19 years </span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">3rd Column shows the return of SIP of Rs 68251 invested for 9.75 years </span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span>
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Must Read : <span style="color: red;"><a href="http://investkiyakya.blogspot.in/2016/08/What-is-term-insurance-and-Different-Types-of-Riders.html" target="_blank">Complete Guide on Term Insurance</a></span></span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span>
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Investment @ 10% return in MF would not make a larger difference but as the rate of returns increase the difference between these 2 sip(s) also increase and we could see that Rs 20000 SIP is doing far more better </span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">What i want to suggest here is whenever you have some extra income don't just rush into pre-paying your home loan just because you want to finish it off.</span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span>
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Utilize this opportunity whenever you have rise in your income or income from some or the other source, Invest extra income into some avenue which would give you better returns than just paying off your home loan and at the same it would help you build a nice corpus for your future.</span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span>
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Home Loan is the cheapest form of loan available plus it comes with tax benefit.</span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span>
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">SIP is the best way to achieve better returns, history suggest that good mutual funds have given returns about 12%-15% on a CAGR basis on past 10-15 years </span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span>
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">What would you do if you come across such a situation or you already in one , will your prepay your home loan or would you invest your surplus into MF through SIP</span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Hope you got the answer now...</span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span>
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="background-color: white; color: #222222;">Do let me know your thoughts in comment section....</span></span><br />
<span style="background-color: white; font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span>
<span style="background-color: white; font-family: Arial, Helvetica, sans-serif; font-size: large;">I also hope you enjoyed reading the article , it takes time to write articles, request you to please spread the word. A good way to start is to share this page on your social circle using floating social share bar on the left.</span><br />
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="background-color: white; color: #222222;"><span style="color: red;"><span style="color: black;"><br /></span></span><span style="color: red;"><span style="color: black;">Who doesn't like a financial healthy life,In case if you want one, contact me for Financial Planning, please do drop an email to me at <a href="mailto:vipuls1979@gmail.com" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">vipuls1979@gmail.com</a>. I would be happy to assist you</span></span></span></span><br />
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com41tag:blogger.com,1999:blog-6554017070621975222.post-70319549607415392312016-09-10T20:22:00.003+05:302016-09-10T20:22:53.583+05:30Should You Subscribe : L&T Technology Services Ltd IPO<div dir="ltr" style="text-align: left;" trbidi="on">
<h2 style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">L&T Technology Services LTD - A long term tech play</span></h2>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">About the issue: </span><o:p></o:p></span></div>
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</div>
<ul style="text-align: left;">
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">L&T TS is coming up with an initial public offering
(IPO) of around 10.4mn shares (fresh issue: nil; OFS shares: 10.4mn) in
offering. Total IPO size is estimated at around Rs. 8,840 – 8,944mn.</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">The issue will open on 12th Sept. 2016 and close on 15th
Sept. 2016.</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Not more than 50% of the issue will be allocated to
qualified institutional buyers. Further, at most 15% of the issue will be
available for non-institutional bidders and the remaining 35% for retail
investors.</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Net proceeds from the issue will go to selling shareholder.
The company will not receive any money from the issue.</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Pre-issue promoter
group stake in L&T TS stands at 100%. Post IPO, promoter group stake will
decline to 89.8%. Source: Company RHP Pre and Post Issue Shareholding Pattern
(%) Pre Issue Post Issue Promoter & Promoter Group (%) 100% 89.8% Public 0%
10.2%</span></li>
</ul>
<div>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/01/different-types-of-orders-in-stock-market.html" rel="nofollow" target="_blank">Different Types of Orders in Trading System</a></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><b>Salient features of the IPO</b></span><o:p></o:p></span></div>
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</div>
<ul style="text-align: left;">
<li><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">L&T Technology Services Ltd. (L&T TS) a leading global pure-play Engineering and R&D</span><span style="font-size: large;"> services company</span></span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">The company globally serves over 200
customers, which includes more than 50 Fortune 500 companies. </span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">The
public issue is completely an offer for sale, thus it will not receive any IPO
proceeds.</span></li>
</ul>
<div>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b>Key competitive strengths:</b></span></div>
<div>
<ul style="text-align: left;">
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Leading global pure-play ER&D services company</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Well-diversified player with multi-vertical industry expertise.</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Focus on innovation through in-house R&D, IP and strategic alliances</span></li>
</ul>
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<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b>Risk and concerns: </b><o:p></o:p></span></div>
<div class="MsoNoSpacing">
</div>
<ul style="text-align: left;">
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Inability to develop new services or enhance existing
services</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Nearly balanced onsite and offshore revenue composition</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Employee cost</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Foreign currency fluctuations</span></li>
</ul>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjb3qW7jXNoOjOxam6396ht9Pa8ws5omUFLE7RZcKtJfGOxT_pIYy08-Ez0Rw7hlHx4HtLMAjt_dUvlOpGyfzL9SV8zzfDAdltaLz1LWxCi72OETnsEFtFF11-bL2T7vE8WlSyRHq9K_KxT/s1600/LTtechnologyipoupdate.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjb3qW7jXNoOjOxam6396ht9Pa8ws5omUFLE7RZcKtJfGOxT_pIYy08-Ez0Rw7hlHx4HtLMAjt_dUvlOpGyfzL9SV8zzfDAdltaLz1LWxCi72OETnsEFtFF11-bL2T7vE8WlSyRHq9K_KxT/s400/LTtechnologyipoupdate.png" width="211" /></a></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b>Valuation & recommendation: </b><o:p></o:p></span></div>
<div class="MsoNoSpacing">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">At the higher price band of Rs. 860, L&T TS’s share
is valued at a P/E multiple of 20.1x (to its FY16 EPS), which is in line with
the average P/E multiple of 21.4x of its domestic peers. Moreover, its global
peers are trading at a P/E multiple of 23.2x.</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span>
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<thead>
<tr class="tableizer-firstrow"><th>Particulars (Rs Mn)</th><th>FY14</th><th>FY15</th><th>FY16</th><th>Q1 FY17</th></tr>
</thead><tbody>
<tr><td>Revenue From Operations </td><td>1261.7</td><td>25605.9</td><td>28940.4</td><td>7653.9</td></tr>
<tr><td>EBITDA</td><td>195.7</td><td>4043</td><td>5324.1</td><td>1621.1</td></tr>
<tr><td>Reported PAT </td><td>62.1</td><td>3151.8</td><td>4342.4</td><td>1350.6</td></tr>
<tr><td>EBITDA (%)</td><td>15.50%</td><td>15.80%</td><td>18.40%</td><td>21.20%</td></tr>
<tr><td>Reported PAT (%)</td><td>4.90%</td><td>12.30%</td><td>15%</td><td>17.60%</td></tr>
<tr><td>RoE( %)</td><td>1.30%</td><td>29.80%</td><td>38.90%</td><td>11.60%</td></tr>
<tr><td>RoCE (%)</td><td>3.40%</td><td>28.40%</td><td>38.30%</td><td>11%</td></tr>
</tbody></table>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/01/risk-management-for-investor-at.html" rel="nofollow" target="_blank">How Risk Management Policy is designed for you at a Brokerage House</a></span></div>
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<br /></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b>Below are few key observations of the issue:</b></span></div>
<div class="MsoNoSpacing">
</div>
<ul style="text-align: left;">
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">L&T TS is one of the global leading ER&D players,
with leadership position in eight industry verticals (Source: Company RHP).</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Its clientele includes 43 of the top 100 global ER&D
spenders, which covers 66.3% of G500 ER&D spend in 2015. Additionally, it
derives over 80% of revenue from North America and Europe, which cumulatively
accounted for 73% of the ER&D service spending.</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">The ER&D market is currently under served with a
penetration level of around 6.7% in 2015. Thus there is a significant growth
opportunities in the outsourcing of ER&D services. </span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">As of 31st Aug. 2016,
L&T TS has filed 35 proprietary patents and 134 co-patents with customers
that can be monetized in future.</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Since the last quarter, the entire IT sector is under
pressure, mainly due to the risk associated with the Brexit. Although the
company’s exposure to UK market is around 2% of the total revenue, it will not
be spared from the overall prevailing negative sentiment. Moreover, the recent lo</span><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">we</span><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">r growth guidance given by
the domestic major IT companies, would support the near term negative
sentiment.</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Recently the L&T group came up with an IPO for its
group company L&T Infotech Ltd., which was not well received by the market,
despite being a fundamentally strong company. This time I believe, the
investors will be cautious before subscribing for the issue. </span></li>
</ul>
<div>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b>Verdict </b></span></div>
<div>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b><br /></b></span></div>
<div class="MsoNoSpacing">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Considering its
market leadership and higher profitability and return ratios, I feel that the issue
is fairly valued. Thus, I recommend a “SUBSCRIBE with Caution” rating for the
public issue.</span><br />
<span style="background-color: white; color: #222222; font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span>
<span style="background-color: white; color: #222222; font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Do let me </span><span style="background-color: white; color: #222222; font-family: "arial" , "helvetica" , sans-serif; font-size: large;">know your thoughts in comment</span><span style="background-color: white; color: #222222; font-family: "arial" , "helvetica" , sans-serif; font-size: large;"> </span><span style="background-color: white; color: #222222; font-family: "arial" , "helvetica" , sans-serif; font-size: large;">section</span><span style="background-color: white; color: #222222; font-family: "arial" , "helvetica" , sans-serif; font-size: large;">....</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br style="background-color: white; color: #222222; line-height: 18.48px;" /><span style="background-color: white; color: #222222;"><span style="color: red;"><span style="color: black;">I also hope you enjoyed reading the article , it takes time to write articles, request you to please spread the word. A good way to start is to share this page on your social circle using floating social share bar on the left.</span></span><br /><span style="color: red;"><span style="color: black;"><br /></span></span><span style="color: red;"><span style="color: black;">Who doesn't like a financial healthy life,In case if you want one, contact me for Financial Planning, please do drop an email to me at <a href="mailto:vipuls1979@gmail.com" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">vipuls1979@gmail.com</a>. I would be happy to assist you</span></span></span></span><br />
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<span style="color: black; font-size: 10pt;">The Article is only for information purposes and Vipul Shah (</span><b><span style="color: #ff6600; font-family: "arial rounded mt bold" , sans-serif; font-size: 10pt;">https://investkiyakya.blogspot.com</span></b><span style="color: black; font-size: 10pt;">) is not providing any professional/investment advice through it. The article does not constitute or is not intended to constitute an offer to buy or sell, or a solicitation to an offer to buy or sell financial products, units or securities. </span><b><span style="color: #ff6600; font-family: "arial rounded mt bold" , sans-serif; font-size: 10pt;">https://investkiyakya.blogspot.com</span></b><span style="color: #7f7f7f; font-size: 10pt;"> </span><span style="color: black; font-size: 10pt;">disclaims warranty of any kind, whether express or implied, as to any matter/content contained in this article, including without limitation the implied warranties of merchantability and fitness for a particular purpose.</span><b><span style="color: #ff6600; font-family: "arial rounded mt bold" , sans-serif; font-size: 10pt;">https://investkiyakya.blogspot.com</span></b><span style="color: #7f7f7f; font-size: 10pt;"> </span><span style="color: black; font-size: 10pt;">and its subsidiaries / affiliates / sponsors / trustee or their officers, employees, personnel, directors will not be responsible for any direct/indirect </span><span style="color: black; font-size: 10pt;">loss or liability incurred by the user as a consequence of his or any other person on his behalf taking any </span><span style="color: black; font-size: 10pt;">investment decisions based on the contents of this guide. Use of this article is at the user’s own risk. The user must </span><span style="color: black; font-size: 10pt;">make his own investment decisions based on his specific investment objective and financial position and using </span><span style="color: black; font-size: 10pt;">such independent advisors as he believes necessary.</span><b><span style="color: #ff6600; font-family: "arial rounded mt bold" , sans-serif; font-size: 10pt;">https://investkiyakya.blogspot.com</span></b><span style="color: #7f7f7f; font-size: 10pt;"> </span><span style="color: black; font-size: 10pt;">does not warrant completeness or accuracy of any information published in this guide. All intellectual property rights emerging from this article are and shall remain with </span><b><span style="color: #ff6600; font-family: "arial rounded mt bold" , sans-serif; font-size: 10pt;">https://investkiyakya.blogspot.com</span></b><span style="color: black; font-size: 10pt;">. This article is for your personal use and you shall not resell, copy, or redistribute this article , or use it for any commercial purpose. All names and situations depicted in the article are purely fictional and serve the purpose of illustration only. Any resemblance between the illustrations and any persons living or dead is purely coincidental.</span></div>
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com3tag:blogger.com,1999:blog-6554017070621975222.post-9833708309746966112016-08-19T12:33:00.001+05:302016-08-20T10:22:26.138+05:30What if my insurance company goes bankrupt in India?<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Every one of us might have bought the insurance from private companies. However, somewhere in our subconscious mind there remains number of questions like “What if the private insurance company goes bankrupt? What if the private insurance company does not entertain our claim on the unfortunate event of death of our loved ones? Or else we do not have a heart to accept the fact that the private companies are equally good as those of public insurance companies. </span></div>
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span></div>
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">If you are the one who have above questions running in your mind about selecting insurance from private companies then you have landed on the right page <span style="font-family: "arial" , "helvetica" , sans-serif;">on</span> internet.</span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg6fY8ovAS8nUXrrJb4fvxwe3IQULfGK2_M23lay6q2wII3HlK0p3rVjGU6rhrgjpGH2wZKwM-eQJXTC5yY1skwiBQIUsOo5OSMdGjZa9Y3ZF0rtTC9IdTcjycBfWpOg3vw22fz3A3Chqu4/s1600/private-insurance-companies-going-bankrupt.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg6fY8ovAS8nUXrrJb4fvxwe3IQULfGK2_M23lay6q2wII3HlK0p3rVjGU6rhrgjpGH2wZKwM-eQJXTC5yY1skwiBQIUsOo5OSMdGjZa9Y3ZF0rtTC9IdTcjycBfWpOg3vw22fz3A3Chqu4/s400/private-insurance-companies-going-bankrupt.jpg" width="400" /></a></div>
</div>
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Such questions create uncertainty in the attitude of investors.</span></div>
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Insurance in India is regulated by IRDA which has complete control over the insurance companies whether government owned or private. As per the guidelines of IRDA, in order to register the insurance company in India, Company has to be registered with IRDA with minimum investment of Rs 100 <span style="font-family: "arial" , "helvetica" , sans-serif;">C</span>rore for life <span style="font-family: "arial" , "helvetica" , sans-serif;">I</span>nsurance. Apart from this, the company has to invest Rs 200 crore for reinsurance business.</span></div>
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span></div>
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Not only the capital requirement is considered by IRDA, but there is also a long procedure to get the license in order to start the insurance company. IRDA also keeps a close watch at the solvency ratio and the claim settlement ratio of the companies that is discussed in the next section of the article. </span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/08/What-is-term-insurance-and-Different-Types-of-Riders.html" target="_blank"><span style="color: red;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Wh<span style="font-family: "arial" , "helvetica" , sans-serif;">at, Why and Different Types of <span style="font-family: "arial" , "helvetica" , sans-serif;">Term Insurance <span style="font-family: "arial" , "helvetica" , sans-serif;">and different types of riders available in Insurance</span></span></span></span></span></a></span> </div>
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span></div>
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">All the products of insurance companies are also approved by IRDA. IRDA strictly follow these norms in order to build faith among the investors.The product can be brought into the market after the approval from IRDA. This stringent guidelines of IRDA helps you, as the company and the products of the private insurance company are launched properly.Also the agents also undergo the training of 100 hours from IRDA and thus are qualified and well trained.</span></div>
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span></div>
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Two most important factor while selecting an Insurance Company is keeping in mind the risk, the solvency ratio and claim settlement ratio(CSR) which are also available in the IRDA website. </span></div>
<div style="text-align: left;">
<br />
<b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Let us first understand what is solvency ratio?</span></b></div>
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span></div>
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Solv<span style="font-family: "arial" , "helvetica" , sans-serif;">ency i<span style="font-family: "arial" , "helvetica" , sans-serif;">s defined as <i>"The possession of assets in excess of liabilities; ability to pay one’s debts"</i></span></span> </span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">“<b>Solvency Ratio</b>” means the ratio of the amount of Available Solvency Margin to the amount of Required Solvency Margin.</span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">“<b>Available Solvency Margin</b>” means the excess of value of assets over the value of liabilities i.e premium written </span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">The solvency ratio is the only one measure, which informs <span style="font-family: "arial" , "helvetica" , sans-serif;">us w<span style="font-family: "arial" , "helvetica" , sans-serif;">hether</span></span> the company will stay solvent or not.</span></div>
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">With the help of solvency ratio one can make sure that whether the company’s cash flow is sufficient to meet its short term as well as long-term <span style="font-family: "arial" , "helvetica" , sans-serif;">liabilities</span>. Hence, solvency ratio is the crucial component, which must be considered before the selection of the insurance company.Based on the solvency ratio the you can select the best insurance company. </span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">IRDA has prescribed solvency ratio of 1.5 for <span style="font-family: "arial" , "helvetica" , sans-serif;">I</span>nsurance companies in India.</span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/08/why-not-to-purchase-term-insurance-with.html" target="_blank"><span style="color: red;">Why Not To Purchase Term Insurance With A Return Of Premium Option?</span></a> </span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Let us <span style="font-family: "arial" , "helvetica" , sans-serif;">simpl<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">ify solvency ratio with an example </span></span></span></span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">I</span>nsurer A has a liability of Rs.1000 and arrives at a solvency margin of say Rs.1<span style="font-family: "arial" , "helvetica" , sans-serif;">10</span>0. This means the required assets should be worth Rs.1100. But in order to provide a further cushion to this number, I<span style="font-family: "arial" , "helvetica" , sans-serif;">RDA</span> has prescribed a solvency ratio of 150% i.e 1.5, which means the insurer will need to maintain Rs.1500 instead of just Rs.1100. </span></span></span></span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Solvency Ratio is available in the annual report published on the IRDA website<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">, <a href="https://www.irdai.gov.in/ADMINCMS/cms/frmGeneral_NoYearList.aspx?DF=AR&mid=11.1" target="_blank">click </a><span style="font-family: "arial" , "helvetica" , sans-serif;"><a href="https://www.irdai.gov.in/ADMINCMS/cms/frmGeneral_NoYearList.aspx?DF=AR&mid=11.1" rel="nofollow" target="_blank">here</a> </span></span></span></span></div>
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Following table shows the quarterly solvency ratios of <span style="font-family: "arial" , "helvetica" , sans-serif;">Insur<span style="font-family: "arial" , "helvetica" , sans-serif;">ance</span></span> companies for every quarter for 2014-2015.</span><br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiXRa4HvohIrAKD_cem1CixdgU5FzODzWUQw6HFpWnPthurAuahFb3J9ezU1hEMXNoOVDlJ3jY-AQjSoa6ps3L8gJGf1tlYGwALMY6gvYjEx2frutA3ZvTCJij0A4ycbbksWtmP3riUU4N4/s1600/what-if-an-insurance-company-goes-bankrupt.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="Solvency-Ratio-for-Insurance-Companies-for-F.Y.-2014-2015" border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiXRa4HvohIrAKD_cem1CixdgU5FzODzWUQw6HFpWnPthurAuahFb3J9ezU1hEMXNoOVDlJ3jY-AQjSoa6ps3L8gJGf1tlYGwALMY6gvYjEx2frutA3ZvTCJij0A4ycbbksWtmP3riUU4N4/s640/what-if-an-insurance-company-goes-bankrupt.jpg" title="Solvency Ratio for Insurance Companies for F.Y. 2014-2015" width="568" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Source IRDA 2014-2015 Annual Report</td></tr>
</tbody></table>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">As per<span style="font-family: "arial" , "helvetica" , sans-serif;"> t<span style="font-family: "arial" , "helvetica" , sans-serif;">h<span style="font-family: "arial" , "helvetica" , sans-serif;">e above report DHFL Pramerica <span style="font-family: "arial" , "helvetica" , sans-serif;">has the hig<span style="font-family: "arial" , "helvetica" , sans-serif;">hest solvency ratio of 12.69<span style="font-family: "arial" , "helvetica" , sans-serif;">, next is Bajaj Allianz </span>and LIC has the lowest</span></span></span></span></span></span> solvency ratio <span style="font-family: "arial" , "helvetica" , sans-serif;">of 1.55.</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">LIC</span> is government owned<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"> and</span> in case of any downward movement in solvency ratio, Government of India (GOI) </span></span>can infuse ca<span style="font-family: "arial" , "helvetica" , sans-serif;">pital<span style="font-family: "arial" , "helvetica" , sans-serif;">. <span style="font-family: "arial" , "helvetica" , sans-serif;">The only worst scenario<span style="font-family: "arial" , "helvetica" , sans-serif;"> would be <span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">GOI</span></span></span> going bank<span style="font-family: "arial" , "helvetica" , sans-serif;">rupt like <span style="font-family: "arial" , "helvetica" , sans-serif;">G</span>reec<span style="font-family: "arial" , "helvetica" , sans-serif;">e </span></span></span></span></span></span></span></span></span>for which chan<span style="font-family: "arial" , "helvetica" , sans-serif;">ces are very very slim <span style="font-family: "arial" , "helvetica" , sans-serif;">as</span> Indian economic situation ha<span style="font-family: "arial" , "helvetica" , sans-serif;">d been good even<span style="font-family: "arial" , "helvetica" , sans-serif;"> </span></span>through the tough times of 2008-2009 recessio<span style="font-family: "arial" , "helvetica" , sans-serif;">n.</span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">In a Nutshe<span style="font-family: "arial" , "helvetica" , sans-serif;">ll</span><span style="font-family: "arial" , "helvetica" , sans-serif;"> </span>"Higher the solvency ratio <span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">indicates better company profile"</span></span></span></span></span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/06/term-insurance-policy-for-60-years.html" target="_blank">Why <span style="font-family: "arial" , "helvetica" , sans-serif;">Term Insurance i<span style="font-family: "arial" , "helvetica" , sans-serif;">s required till 60 years</span></span></a> </span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Next is <b>Claim Settlement Ratio</b> </span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">The main purpose of the insurance will be beaten if the policyholder does not get the claim when required.<br />In that case, the claim settlement ratio is required and it can be explained as the total number of death claims settled by an insurance company.It is calculated by dividing the total number of death claims received by the total number of settled cases by the insurer.<br />Claim Settlement Ratio=<span style="font-family: "arial" , "helvetica" , sans-serif;">Total Number of De<span style="font-family: "arial" , "helvetica" , sans-serif;">ath<span style="font-family: "arial" , "helvetica" , sans-serif;"> </span>Claims<span style="font-family: "arial" , "helvetica" , sans-serif;"> </span>/ T<span style="font-family: "arial" , "helvetica" , sans-serif;">otal number of cases sett<span style="font-family: "arial" , "helvetica" , sans-serif;">led</span></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Say for example, the Reliance insurance gets the death claims around 1000 and it is capable of settling only 960 claims, then the claim settlement ratio of Reliance will be 96 percent. As the claim settlement ratio gets higher, the company becomes more favorable for the investors<span style="font-family: "arial" , "helvetica" , sans-serif;">.</span></span></span><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEger4cbWt_Ssfy3iHMn3Z20gbvESi06Sz2VWrWz8_XTR5ErH4i9Ndt_LQCELd03W4OuVYm7SzJ1rittHIkBp42LtNN7JPPMybPO-NTs7DbV1qm1HY-TgJlap8RsatCN6z5erLKwvvdFoVVv/s1600/claim-settlement-ratio-in-india.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEger4cbWt_Ssfy3iHMn3Z20gbvESi06Sz2VWrWz8_XTR5ErH4i9Ndt_LQCELd03W4OuVYm7SzJ1rittHIkBp42LtNN7JPPMybPO-NTs7DbV1qm1HY-TgJlap8RsatCN6z5erLKwvvdFoVVv/s640/claim-settlement-ratio-in-india.png" width="480" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Source : www.mintwise.com</td></tr>
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<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">LIC of India has the best Claim Sett<span style="font-family: "arial" , "helvetica" , sans-serif;">lement </span>Ratio <span style="font-family: "arial" , "helvetica" , sans-serif;">(C<span style="font-family: "arial" , "helvetica" , sans-serif;">SR) where as the next 6 <span style="font-family: "arial" , "helvetica" , sans-serif;">are <span style="font-family: "arial" , "helvetica" , sans-serif;">very close in terms of % and with better CSR</span></span></span></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Combination of </span> Solvency Ratio + Claim <span style="font-family: "arial" , "helvetica" , sans-serif;">Settlement Ratio <span style="font-family: "arial" , "helvetica" , sans-serif;">is a mus<span style="font-family: "arial" , "helvetica" , sans-serif;">t <span style="font-family: "arial" , "helvetica" , sans-serif;">because if you look at solvency ratio of DHFL Pramerica is 12.69 where as C<span style="font-family: "arial" , "helvetica" , sans-serif;">SR is only 57.<span style="font-family: "arial" , "helvetica" , sans-serif;">19% which dissolves the whole purpose<span style="font-family: "arial" , "helvetica" , sans-serif;"> of buying an Insurance </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/05/how-much-insurance-do-i-need.html" target="_blank"><span style="color: red;">How Much Insurance </span></a><span style="font-family: "arial" , "helvetica" , sans-serif;"><a href="http://investkiyakya.blogspot.in/2016/05/how-much-insurance-do-i-need.html" target="_blank"><span style="color: red;">Do you Need</span></a> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
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<b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Verdict </span></span></span></span></span></span></span></span></span></b><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Yes it is safe to buy from a pr<span style="font-family: "arial" , "helvetica" , sans-serif;">ivate insurance companies provid<span style="font-family: "arial" , "helvetica" , sans-serif;">ed the <span style="font-family: "arial" , "helvetica" , sans-serif;">policy which you are buying is cost effective<span style="font-family: "arial" , "helvetica" , sans-serif;">.</span></span></span></span></span></span></span></span></span></span></span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">I personally have bought 2 <span style="font-family: "arial" , "helvetica" , sans-serif;">Term Insurance pol<span style="font-family: "arial" , "helvetica" , sans-serif;">icy of <span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">75</span> Lakhs</span> <span style="font-family: "arial" , "helvetica" , sans-serif;">each <span style="font-family: "arial" , "helvetica" , sans-serif;">after</span> comparing their quotation, selecting the cheapest <span style="font-family: "arial" , "helvetica" , sans-serif;">one</span> and <span style="font-family: "arial" , "helvetica" , sans-serif;">after checking their </span>Solvency Ratio and Claim Set<span style="font-family: "arial" , "helvetica" , sans-serif;">tlement Ratio </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">This way i have mitigated the risk of <span style="font-family: "arial" , "helvetica" , sans-serif;">Insurance company going bankrupt (cha<span style="font-family: "arial" , "helvetica" , sans-serif;">nces are very very less due to stri<span style="font-family: "arial" , "helvetica" , sans-serif;">ngent guid<span style="font-family: "arial" , "helvetica" , sans-serif;">elines b<span style="font-family: "arial" , "helvetica" , sans-serif;">y IRDA) ,if th<span style="font-family: "arial" , "helvetica" , sans-serif;">is</span> risk occurs , there would be <span style="font-family: "arial" , "helvetica" , sans-serif;">other company <span style="font-family: "arial" , "helvetica" , sans-serif;">ar<span style="font-family: "arial" , "helvetica" , sans-serif;">o<span style="font-family: "arial" , "helvetica" , sans-serif;">und to settle me<span style="font-family: "arial" , "helvetica" , sans-serif;">. The chances <span style="font-family: "arial" , "helvetica" , sans-serif;">of both of them going <span style="font-family: "arial" , "helvetica" , sans-serif;">bankrupt are <span style="font-family: "arial" , "helvetica" , sans-serif;">a<span style="font-family: "arial" , "helvetica" , sans-serif;">l<span style="font-family: "arial" , "helvetica" , sans-serif;">most neg<span style="font-family: "arial" , "helvetica" , sans-serif;">ligible<span style="font-family: "arial" , "helvetica" , sans-serif;">, what do you say ?</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Do let me<span style="font-family: "arial" , "helvetica" , sans-serif;"> know your thoughts in comment<span style="font-family: "arial" , "helvetica" , sans-serif;"> section<span style="font-family: "arial" , "helvetica" , sans-serif;">....</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;">I also hope you enjoyed reading the article , it takes time to write articles, request you to please spread the word. A good way to start is to share this page on your social circle using floating social share bar on the left.</span></span><br /><span style="color: red;"><span style="color: black;"><br /></span></span><span style="color: red;"><span style="color: black;">Who doesn't like a financial healthy life,In case if you want one, contact me for Financial Planning, please do drop an email to me at <a href="mailto:vipuls1979@gmail.com" rel="nofollow" target="_blank">vipuls1979@gmail.com</a>. I would be happy to assist you</span></span></span></span><br />
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<span style="font-size: medium;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;">Mutual Funds & Insurance Related Articles :-
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com6tag:blogger.com,1999:blog-6554017070621975222.post-28781268910675448662016-08-12T10:43:00.000+05:302017-07-14T20:53:01.785+05:30Why Not To Purchase Term Insurance With A Return Of Premium Option?<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">One of the most common and purest forms of life insurance is <a href="http://investkiyakya.blogspot.in/2016/08/What-is-term-insurance-and-Different-Types-of-Riders.html" target="_blank">Term Insurance</a>, which is broadly available in the market. The term insurance plan is a scheme to cover life of a person and get an assured amount to nominee in case if any unforeseen even happens but before purchasing any kind of Insurance you should know <a href="http://investkiyakya.blogspot.in/2016/05/how-much-insurance-do-i-need.html" target="_blank">how much insurance do you need</a>. The premiums of Term Insurance are very less as compared to that of ULIP or an endowment policy. You can get your life secure for a cover of Rs 1 crore with a mere premium Rs 7000(It depends on your age,policy term etc).</span></span><br />
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHBVJYgI1iXDpf2F05efcEABaPaP8et9pPLBnIGXOgvpkFGkxZUpXTkJKWnA6NzurRCFnEn6Oq2A9EFFdcCzsdw483J7hEuIIdCce8v7XHv_g7k2JVi491HbZPK3ncsZdtKkX5-yvzs0F2/s1600/term-insurance-with-return-of-premium-option.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHBVJYgI1iXDpf2F05efcEABaPaP8et9pPLBnIGXOgvpkFGkxZUpXTkJKWnA6NzurRCFnEn6Oq2A9EFFdcCzsdw483J7hEuIIdCce8v7XHv_g7k2JVi491HbZPK3ncsZdtKkX5-yvzs0F2/s1600/term-insurance-with-return-of-premium-option.jpg" /></a></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">However, the sum assured and the premiums of the scheme may differ from one insurer to another. With the help of term insurance plan you can invest your surplus in other investment class for wealth creation in long term.</span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/07/real-estate-vs-mutual-funds-which-is-better-investment.html" target="_blank"><span style="color: red;">Why Real Estate is a dull Investment compared to mutual fund</span></a></span></span><br />
<span style="font-size: large;"></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">You can select Policy Term for a period of 30-40 years depending on your age but i would suggest you <a href="http://investkiyakya.blogspot.in/2016/06/term-insurance-policy-for-60-years.html" target="_blank">should have term insurance policy only up to 60 years</a></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Once the policy is matured then at the time of maturity of the policy, the insurer gives back the entire premium paid by the policyholder in Term Insurance with Return of Premium Option. But TROP gives very small internal rate of return (IRR) and you get the money in case if you survive the opted policy term.</span></span><br />
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</xml><![endif]--><!--[if gte mso 10]>
<style>
/* Style Definitions */
table.MsoNormalTable
{mso-style-name:"Table Normal";
mso-tstyle-rowband-size:0;
mso-tstyle-colband-size:0;
mso-style-noshow:yes;
mso-style-priority:99;
mso-style-parent:"";
mso-padding-alt:0in 5.4pt 0in 5.4pt;
mso-para-margin:0in;
mso-para-margin-bottom:.0001pt;
line-height:115%;
mso-pagination:widow-orphan;
font-size:11.0pt;
font-family:"Calibri","sans-serif";
mso-ascii-font-family:Calibri;
mso-ascii-theme-font:minor-latin;
mso-hansi-font-family:Calibri;
mso-hansi-theme-font:minor-latin;
mso-bidi-font-family:Mangal;
mso-bidi-theme-font:minor-bidi;
mso-bidi-language:AR-SA;}
</style>
<![endif]--><span style="line-height: 115%;">This
will be complicated for you to understand without the help of the example, let us go step by step in order to understand Why TROP is not useful </span></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><!--[if gte mso 9]><xml>
<w:WordDocument>
<w:View>Normal</w:View>
<w:Zoom>0</w:Zoom>
<w:TrackMoves/>
<w:TrackFormatting/>
<w:PunctuationKerning/>
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<m:brkBinSub m:val="--"/>
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<m:wrapIndent m:val="1440"/>
<m:intLim m:val="subSup"/>
<m:naryLim m:val="undOvr"/>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="line-height: 115%;">Following figure illustrates some of the renowned companies
offering term insurance plan with return of premium. Different companies have
different premium and plans.</span></span></span></span></div>
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<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<span style="font-size: large;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRrQGMIUrPjhHdG6ovv5iBXz_iGRx6X895H0xwpUvOigbATtBAJkJF7a-Ql7NCe64HCNgFgf-e3OyuCNNIFHKGvp9YCOWB1AWhRTDArwi8RUQ7BaPKojIcafzS7hUlQoBnOTPiEs13V2y9/s1600/term-insurance-with-return-of-premium-option.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="225" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRrQGMIUrPjhHdG6ovv5iBXz_iGRx6X895H0xwpUvOigbATtBAJkJF7a-Ql7NCe64HCNgFgf-e3OyuCNNIFHKGvp9YCOWB1AWhRTDArwi8RUQ7BaPKojIcafzS7hUlQoBnOTPiEs13V2y9/s400/term-insurance-with-return-of-premium-option.jpg" width="400" /></a></span></div>
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<br /></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">There is huge difference of premium you pay for term insurance plan with a return of premium(TROP) and the pure term insurance. </span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Mus<span style="font-family: "arial" , "helvetica" , sans-serif;">t Read <span style="font-family: "arial" , "helvetica" , sans-serif;">: <a href="http://investkiyakya.blogspot.in/2016/05/best-sip-mutual-funds-long-term-2016.html" target="_blank"><span style="color: red;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Best 3 Large Cap Mutual Fund SIP to Invest in 2016</span></span></a></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Let us understand by considering an example </span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Mr. Rajesh Singh,30 years old wanted to purchase a Term Insurance for 30 Year Term i.e thinking he would retire at 60 years. The insurance agent (agent can be offline or policy bazaar or anyone) gave him two options of the term insurance plan with a return of premium and other one of without the return of premium. </span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Mr. Rajesh inquired about the difference between both and he found the difference below </span></span></div>
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<span style="font-size: large;"><br /></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="line-height: 115%;">The sum assured of
life is Rs 1 Crore with the annual premium of Rs 25000 in the case of term
insurance plan with a return of premium and annual premium of Rs 10000 in case
of term insurance plan without return of premium. </span></span></span></div>
<div class="MsoNormal">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="line-height: 115%;">Death benefits remains Rs 1 Crore in both the policy types. However,
the maturity benefits will not remain same in both cases. </span></span></span></div>
<div class="MsoNormal">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="line-height: 115%;">If Mr Singh survives the policy term then he would get a his premium back of Rs 7.5 Lakhs (Rs 25000*30
years), whereas in case of without return of premium will give no benefit to
the policyholder. </span></span></span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="line-height: 115%;">Mus<span style="font-family: "arial" , "helvetica" , sans-serif;">t Read : <a href="http://investkiyakya.blogspot.in/2016/06/best-equity-midcap-funds-to-invest-in-2016-for-long-term.html" target="_blank"><span style="color: red;">Best 3 Midcap Fund Chur<span style="font-family: "arial" , "helvetica" , sans-serif;">ning Money for Investors</span></span></a></span> </span></span></span></div>
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<br /></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="line-height: 115%;">Mr. Singh after understanding the difference between both the policies was attracted towards the Term insurance plan with a return of premium. The agent also suggested him the policy with return of premium (As they always do for a need of higher commission and or may be with lack of knowledge) <br /><br />Nevertheless, consider the same situation and have a look from other perspective. Say that Mr. Singh does not pay the rest of the Rs 15000 (Rs 25000-Rs 10000) and goes for the option of Pure Term insurance.Assuming Mr Singh being a risk averse person could invest that Rs 15000 annually in PPF account considering a rate of interest 8.10% percent for the 30 years. He would have got Rs 18,85,923 instead of Rs 7,50,000<br /><br />(18,85,923= 15000*(1+8/100)^30), which <span style="font-family: "arial" , "helvetica" , sans-serif;">is</span> far more than the <span style="font-family: "arial" , "helvetica" , sans-serif;">maturity benefit in TROP</span>. He <span style="font-family: "arial" , "helvetica" , sans-serif;">can</span> earn more Rs 11,35,923 (Rs18,85,923-Rs7,50,000) by investing in PPF account.<br /><br />Mr. Rajesh Singh can earn more as compare to this policy, when he will invest in the PPF account. However, we know that the safest and best way to generate the tax-free returns is by investing in the PPF accounts. </span></span></span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="line-height: 115%;">Let us take a different scenarios where Mr. Rajesh Singh opted for another option like investing the rest of the amount in the diversified equity mutual fund through SIP. If he will deposit sum of Rs 15,000 per annum for 30 years at the compound annual growth rate of 12 percent then he will fetch the amount of Rs 40,69,389, which is really a big amount by the formula shown below. </span></span></span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRBlgnQ7VGgFaKzZo9iSUVd6UyEXu2XzANMxamB6BrwEv29F1ZEpgHsLyao5P0nLQLtUr7O-RXvONwJxAGLlV2GfaZeA9FIjyksEOYH-lKaig93RaF6xOv4o8kU9g9GoEccEqUZGikELtN/s1600/abcd.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRBlgnQ7VGgFaKzZo9iSUVd6UyEXu2XzANMxamB6BrwEv29F1ZEpgHsLyao5P0nLQLtUr7O-RXvONwJxAGLlV2GfaZeA9FIjyksEOYH-lKaig93RaF6xOv4o8kU9g9GoEccEqUZGikELtN/s1600/abcd.jpg" /></a></div>
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="line-height: 115%;">The profit earned by Mr. Rajesh Singh at the time of the maturity was Rs 33,19,389 (Rs 40,69,389- Rs 7,50,000). <br /> </span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="line-height: 115%;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/08/9-tips-to-choose-right-mediclaim-policy.html" target="_blank"><span style="color: red;">9 Secrets to Choose Mediclaim Po</span></a><span style="font-family: "arial" , "helvetica" , sans-serif;"><a href="http://investkiyakya.blogspot.in/2016/08/9-tips-to-choose-right-mediclaim-policy.html" target="_blank"><span style="color: red;">licy</span></a> </span> </span></span></span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="line-height: 115%;">Now <span style="font-family: "arial" , "helvetica" , sans-serif;">let us see</span> the difference between PPF account and diversified equity mutual fund through SIP with the help of the <span style="font-family: "arial" , "helvetica" , sans-serif;">table</span> shown below </span></span></span><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh43JmjHqtDpGi3EM5TJZ1aHkHyWC7XC8VkUgubSlN8FwufZR0gV2cVYtM6gVvvhw3nGwbMkFegOOWMy6fv17JQdz6eY-bnC1SmZL0e419kdlKgRfK5xy92IKouNfPRz38W78wEuP-62SiV/s1600/term-insurance-with-return-of-premium-option-example.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="177" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh43JmjHqtDpGi3EM5TJZ1aHkHyWC7XC8VkUgubSlN8FwufZR0gV2cVYtM6gVvvhw3nGwbMkFegOOWMy6fv17JQdz6eY-bnC1SmZL0e419kdlKgRfK5xy92IKouNfPRz38W78wEuP-62SiV/s400/term-insurance-with-return-of-premium-option-example.jpg" width="400" /></a></div>
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="line-height: 115%;">In case if you are purchasing a term insurance with return of premium please keep in mind TROP is a TRA<span style="font-family: "arial" , "helvetica" , sans-serif;">P</span></span></span></span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">I
hope i have addressed everything pertaining to Term Insurance with returns of <span style="font-family: "arial" , "helvetica" , sans-serif;">premium</span>, in case
if you have any doubts or clarifications do let me know your thoughts <span style="font-family: "arial" , "helvetica" , sans-serif;">via</span> comments<br />
<span style="color: red;"><span style="color: black;"></span></span></span></span></span></span></span></div>
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">About the author<br />Vipul is an MBA in Finance, PMP Certfied Professional and into software sales for Asset Management Companies, Pension Fund and Stock Brokers from last 16 years. <br /><br />Vipul believes that the amount of financial information flowing our way is probably 10 times more than what it used to be 15 to 20 years back due to the advent of newer forms of communication.<br />All this information is creating an information overload in the minds of individuals resulting in analysis paralysis and he helps them select the right decision while creating a Goal based financial plan.<br />In case if you need a Financial Plan please connect to him on vipuls1979@gmail.com<span style="color: red;"><span style="color: black;"><br /></span></span></span></span></span><br />
<br />
<span style="font-size: medium;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;">Mutual Funds & Insurance Related Articles :-
<br />
<a href="http://investkiyakya.blogspot.in/2016/06/benefits-of-systematic-investment-plans.html" rel="" target="_blank">Benefits of SIP</a></span></span><br />
<a href="http://investkiyakya.blogspot.in/2016/06/what-is-systematic-transfer-plan.html" rel="nofollow" target="_blank">What is SWP in mutual Funds</a></span></span><br />
<span style="font-size: medium;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><a href="http://investkiyakya.blogspot.in/2016/08/9-tips-to-choose-right-mediclaim-policy.html" target="_blank">9 Secrets to choose right mediclaim</a></span></span><br />
<span style="font-size: medium;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><a href="http://investkiyakya.blogspot.in/2016/08/Cost-of-Child-Education-Planning.html" target="_blank">How to Plan for your Child Education Planning</a></span></span><br />
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<a href="http://investkiyakya.blogspot.in/2016/05/best-sip-mutual-funds-long-term-2016.html" rel="nofollow" target="_blank">Best 3 Large Cap Mutual Funds for SIP in 2016 </a><br />
<a href="http://investkiyakya.blogspot.in/2016/06/best-equity-midcap-funds-to-invest-in-2016-for-long-term.html" rel="nofollow" target="_blank">Best 3 Midcap Mutual Funds for SIP in 2016</a><br />
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<a href="http://investkiyakya.blogspot.in/2016/06/liquid-funds-better-than-savings-bank-account.html" rel="nofollow" target="_blank">Liquid Funds are better alternative than Savings Bank account</a><br />
<a href="http://investkiyakya.blogspot.in/2016/06/what-is-fixed-maturity-plan-and-its-benefits.html" rel="nofollow" target="_blank">What is FMP in Mutual Funds</a><br />
<a href="http://investkiyakya.blogspot.in/2016/06/monthly-income-plans-in-mutual-funds.html" rel="nofollow" target="_blank">Complete Guide on Monthly Income Plans</a><br />
<a href="http://investkiyakya.blogspot.com/2016/06/credit-opportunities-fund-complete-guide.html" target="_blank">Complete Guide on Credit Opportunities Fund</a> <br />
<a href="http://investkiyakya.blogspot.in/2016/06/equity-linked-savings-schemes.html" rel="nofollow" target="_blank">How to Save Tax using Equity Linked Savings Scheme</a><br />
<a href="http://investkiyakya.blogspot.in/2016/06/how-to-budget-your-money.html" rel="nofollow" target="_blank">How to Budget Your Money</a><br />
<a href="http://investkiyakya.blogspot.in/2016/05/how-much-insurance-do-you-need.html" rel="nofollow" target="_blank">How Much Insurance Do You Really Need</a><br />
<a href="http://investkiyakya.blogspot.in/2016/06/term-insurance-policy-for-60-years.html" rel="nofollow" target="_blank">Why Should you buy Term Insurance Upto 60 Years</a><br />
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<br />
<span style="font-size: xx-small;">Disclaimer :-</span><br />
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is not providing any professional/investment advice through it. The
article does not constitute or is not intended to constitute an offer to
buy or sell, or a solicitation to an offer to buy or sell financial
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b> </b></span></span>
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com5tag:blogger.com,1999:blog-6554017070621975222.post-43817542759666414402016-08-08T18:35:00.001+05:302016-08-08T18:41:19.551+05:30What,Why and Different Types Term Insurance with Riders<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">You have always strived to give your family the best in life and have ensured they fulfill their dreams. However, in your heart, you always feel insecure about their future in your absence. Will your family be able to sustain the same lifestyle even in your absence?</span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br />To put all your fears to rest and to provide you with peace of mind sometimes the simplest choice is the best one for you. A pure term plan is a simple way to get comprehensive protection at an affordable price and protect yourself and your loved ones against the uncertainties that life may throw at you.</span></span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtxSwd1LqaKzPIVsVD9iIoTSWkVIFW5ikuuR2TAcl88IcbxZ5eQSZpqdDGIXdrsdFDgS3k_ax00GdKCeezeuJVY6l_uFsWneXwtBvFvMYXimQ-4cFOPesvTkzC8BKaIbvhcW3vZ2ipbC_F/s1600/term-insurance.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="238" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtxSwd1LqaKzPIVsVD9iIoTSWkVIFW5ikuuR2TAcl88IcbxZ5eQSZpqdDGIXdrsdFDgS3k_ax00GdKCeezeuJVY6l_uFsWneXwtBvFvMYXimQ-4cFOPesvTkzC8BKaIbvhcW3vZ2ipbC_F/s400/term-insurance.png" width="400" /></a></div>
<br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">There <span style="font-family: "arial" , "helvetica" , sans-serif;">are</span> many<span style="font-family: "arial" , "helvetica" , sans-serif;"> additional riders like Accidental Death <span style="font-family: "arial" , "helvetica" , sans-serif;">Benefit , Critical Illness<span style="font-family: "arial" , "helvetica" , sans-serif;">, Waiver of Premium<span style="font-family: "arial" , "helvetica" , sans-serif;">, </span>permanent disability </span>etc </span>which make <span style="font-family: "arial" , "helvetica" , sans-serif;">Ter<span style="font-family: "arial" , "helvetica" , sans-serif;">m Insurance the most economical </span></span>ideal insurance plan. <span style="font-family: "arial" , "helvetica" , sans-serif;">An insurance cannot be purchase <span style="font-family: "arial" , "helvetica" , sans-serif;">arbitrary <span style="font-family: "arial" , "helvetica" , sans-serif;">you should know <a href="http://investkiyakya.blogspot.in/2016/05/how-much-insurance-do-i-need.html" target="_blank">how much insurance do you need</a> </span></span> </span></span></span><span style="font-family: "arial" , "helvetica" , sans-serif;"> </span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Why Term Insurance ?</span></span><br />
<ul style="text-align: left;">
<li><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Comprehensive coverage at affordable cost.</span></span></li>
<li><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Online and Convenient</span></span></li>
<li><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Provide financial protection for you and your family</span></span></li>
<li><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Customize your plan with choice of cover options</span></span></li>
<li><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Insurance cover available up to age 75 years </span></span></li>
<li><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Single, Limited and Regular premium payment options to choose from</span></span></li>
<li><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Attractive premium rates for non tobacco users</span></span></li>
<li><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Tax benefit as per prevailing tax law</span></span></li>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Tax benefit as per prevailing tax law </span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/06/term-insurance-policy-for-60-years.html" target="_blank"><span style="color: red;">Why Term Insurance is required till 60 Years</span></a></span></span> </div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">I would take you through <span style="font-family: "arial" , "helvetica" , sans-serif;">most </span>of the <span style="font-family: "arial" , "helvetica" , sans-serif;">ter<span style="font-family: "arial" , "helvetica" , sans-serif;">m insuran<span style="font-family: "arial" , "helvetica" , sans-serif;">ce </span></span></span>available in <span style="font-family: "arial" , "helvetica" , sans-serif;">market</span> with an illustrative example, before heading towards the article let us understand what is a term insurance.<br /><br /><b>What is Term Insurance ?</b><br /><br />Term Insurance provides a benefit amount in the unfortunate event of death of the Life Assured anytime during the policy term. This amount would help your family to pay any outstanding debts or fund the day to day expenses, thus easing the financial worries of your family<span style="font-family: "arial" , "helvetica" , sans-serif;">.</span></span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>1-> Pure Term Insurance</b> </span></span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Example : </span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Mr Jeevan, Age 35 purchased an online term insurance of Rs 50 Lakhs and a <span style="font-family: "arial" , "helvetica" , sans-serif;">20</span> year team for a premium of Rs 9263</span></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjPUs3HjWz5LRSBTJS8K2XdaoFPSu0BwKeimXhZeLrFK31jAJKKlNr9m0aKEknIvwBscGX1n_e4U-K8XikCUs3DwgKIz2hr8y40B7QlHrbYyiF9SaCeF8dcp_eR6fHr4QHWA-x4YRrcr7y2/s1600/term-insurance.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="187" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjPUs3HjWz5LRSBTJS8K2XdaoFPSu0BwKeimXhZeLrFK31jAJKKlNr9m0aKEknIvwBscGX1n_e4U-K8XikCUs3DwgKIz2hr8y40B7QlHrbYyiF9SaCeF8dcp_eR6fHr4QHWA-x4YRrcr7y2/s640/term-insurance.jpg" width="640" /></a></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">In case of death of any time during the policy term, Jeevan’s nominee will receive Rs 50 Lakhs as one-time lump sum payout. The policy will end after the payment is made </span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>2-> Term Insurance + Fixed Income Protection </b></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">In Fixed Income protection nominee will start receiving x amount every month, till the time policy term was insured.</span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Example :</span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Mr Jeevan, Age 35 chooses Fixed Income Protection Payout option of Rs 50000 per month for a 30 year term. In case his death happens immediately after payment of 7th annual premium, i.e when he has turned 41 years old, his nominee would receive sum assured of Rs 50 Lak<span style="font-family: "arial" , "helvetica" , sans-serif;">hs plus </span>Rs 50000 per month till such time Jeevan would have attained 60 years of age<span style="font-family: "arial" , "helvetica" , sans-serif;"> or 10 years after <span style="font-family: "arial" , "helvetica" , sans-serif;">his dies which ever is earli<span style="font-family: "arial" , "helvetica" , sans-serif;">er.</span></span></span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Few Insurance companies also provide to take all monthly installments as a lump sum at the time of claim settlement.</span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/07/real-estate-vs-mutual-funds-which-is-better-investment.html" target="_blank"><span style="color: red;">Why Real Estate is and was a Dull Investment</span></a></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>3-> Term Insurance + Increasing Income Protection</b></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Assuming the same example from above, Jeevan chooses the Increasing Income Protection payout option of Rs 50000 Per month for a 30 year term.</span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Your coverage increases every year under this option to secure you and your family from the impact of rising costs due to inflation. You can choose the monthly amount which will increase at a simple interest rate of 10% from second policy year and thereafter every policy year </span></span></span></span></span></span></span></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDfzfKmUeSo0lm2gVETRZPD78QhzUIp6GiHtpONcBW8jnx96mkJXNEyZtBBAJ5M1_dmN2J6CW7FcvNAcDkvRSOEjRNKJYEAeBlmjtUWmY0g-ZfByK4Px6EM5dXxczdmSgxMxvRNkbq0f9H/s1600/term-insurance-increasing-income-protection.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="473" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDfzfKmUeSo0lm2gVETRZPD78QhzUIp6GiHtpONcBW8jnx96mkJXNEyZtBBAJ5M1_dmN2J6CW7FcvNAcDkvRSOEjRNKJYEAeBlmjtUWmY0g-ZfByK4Px6EM5dXxczdmSgxMxvRNkbq0f9H/s640/term-insurance-increasing-income-protection.jpg" width="640" /></a></div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"> </span></span></span></span></span></span></span></span><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"> </span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">In Jeevan's case his death happens immediately after paying 7th annual premium, i.e. when he has turned 41 years old, his nominee would receive Rs <span style="font-family: "arial" , "helvetica" , sans-serif;">50 Lakhs as <span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">lump sum payou<span style="font-family: "arial" , "helvetica" , sans-serif;">t and also will </span></span></span></span>start receiving 80,000 every month in the 7th policy year, which will increase every subsequent year, at a <br />simple rate of 10% of the monthly payout chosen at till such time when Jeevan would have attained 60 years of age<span style="font-family: "arial" , "helvetica" , sans-serif;"> <span style="font-family: "arial" , "helvetica" , sans-serif;">or 10 years from the date of death, whichever is higher. This clause<span style="font-family: "arial" , "helvetica" , sans-serif;"> varies as per <span style="font-family: "arial" , "helvetica" , sans-serif;">Insurance Companies<span style="font-family: "arial" , "helvetica" , sans-serif;">.</span></span></span></span></span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/05/best-sip-mutual-funds-long-term-2016.html" target="_blank"><span style="color: red;">Top 3 Equity Mutual Funds for SIP To Invest In 2016</span></a> </span></span></span></span></span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>4</b><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>-> </b><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Increas<span style="font-family: "arial" , "helvetica" , sans-serif;">ing</span> </b><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Cover Option</b> </span></span></span> </span></span></span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></span>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">As you scale new heights in your life, your income rises and so does your responsibilities. </span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">You got married, <span style="font-family: "arial" , "helvetica" , sans-serif;">birth of a first child, Purchase of home through home loan which is a liability.</span></span> </span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">With this option, your sum assured increases with your increasing responsibility. You can choose to enhance your sum assured by 5% simple p.a. or 10% simple p.a. at inception depending upon your needs. On every policy anniversary, your sum assured will increase by 5% or 10% of the initial sum assured without any increase in your premium amount</span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Let say <span style="font-family: "arial" , "helvetica" , sans-serif;">you pur<span style="font-family: "arial" , "helvetica" , sans-serif;">chase a <span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">policy</span> of Rs 50 <span style="font-family: "arial" , "helvetica" , sans-serif;">Lakhs at the age of 35 after <span style="font-family: "arial" , "helvetica" , sans-serif;">1 year that is when you attain age 36 your sum assured would be increased by <span style="font-family: "arial" , "helvetica" , sans-serif;">5%<span style="font-family: "arial" , "helvetica" , sans-serif;">, <span style="font-family: "arial" , "helvetica" , sans-serif;">new sum assured would <span style="font-family: "arial" , "helvetica" , sans-serif;">be Rs 5250,000</span></span></span></span></span></span></span></span></span> it go<span style="font-family: "arial" , "helvetica" , sans-serif;">es on up to 60 years or<span style="font-family: "arial" , "helvetica" , sans-serif;"> the age you have cho<span style="font-family: "arial" , "helvetica" , sans-serif;">sen the policy term.</span></span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"> </span></span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b><span style="font-family: "arial" , "helvetica" , sans-serif;">5</span>-> </b><span style="font-family: "arial" , "helvetica" , sans-serif;"><b><span style="font-family: "arial" , "helvetica" , sans-serif;">Decreasing</span> </b><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Cover Option</b> </span></span></span></span></span></span></span></span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">This is a <span style="font-family: "arial" , "helvetica" , sans-serif;">kind</span> of term insurance which provides a cover that decreases at a predetermined rate over the period of the policy while the premium remains constant. The core <span style="font-family: "arial" , "helvetica" , sans-serif;">logic</span> behind decreasing term insurance is that a person's needs for high levels of insurance decreases with age as his liabilities (like home or car loan) decrease or no longer exist.<br /><br />For instance, if you buy insurance cover for Rs.50 lakhs for 20 years, the cover may decrease by 5% each year. This way, after 10 years, you would be left with cover of Rs.25 lakhs instead of Rs.50 <span style="font-family: "arial" , "helvetica" , sans-serif;">l</span>akhs that you started with. Decreasing term plans are generally used for mortgage or loan protection. Let say you purchased a home through home loan a<span style="font-family: "arial" , "helvetica" , sans-serif;">t th<span style="font-family: "arial" , "helvetica" , sans-serif;">e age of 35 , <span style="font-family: "arial" , "helvetica" , sans-serif;">if <span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">everything</span> goes fin<span style="font-family: "arial" , "helvetica" , sans-serif;">e by the time </span></span></span></span></span>of 55 Years <span style="font-family: "arial" , "helvetica" , sans-serif;">(assuming a <span style="font-family: "arial" , "helvetica" , sans-serif;">20 year home loan) you must have completed the home loan<span style="font-family: "arial" , "helvetica" , sans-serif;">, So your liabilities are reduced<span style="font-family: "arial" , "helvetica" , sans-serif;">, got<span style="font-family: "arial" , "helvetica" , sans-serif;"> the point<span style="font-family: "arial" , "helvetica" , sans-serif;">....</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Another advantage of buying such a plan is that its premium is cheaper when compared to normal term insurance.</span></span></span></span></span></span></span></span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/08/retirement-planning-beating-inflation.html" target="_blank"><span style="color: red;">How to do retirement planning</span></a></span></span></span></span></span></span></span></span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Let us now understand different kind of riders <span style="font-family: "arial" , "helvetica" , sans-serif;">provided by insurance comp<span style="font-family: "arial" , "helvetica" , sans-serif;">anies </span></span></span></span></span></span></span></span></span></span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Riders are add-ons bundled with your life insurance
policy given at the same time when the policy is issued, for a cost.</span></span></span></span></span></span></span></span></span></span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Accident Benefit R<span style="font-family: "arial" , "helvetica" , sans-serif;">ider</span></b> </span></span></span></span></span></span></span></span></span></span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Accidents are unfortunate and sometimes fatal.</span></span></span></span></span></span></span></span></span></span></span><span style="font-family: "arial" , "helvetica" , sans-serif;">It is better to buy, by paying a little extra, an accident
disability cover with the term plan. The premium is around Re 1 per
thousand of sum insured. The rider helps if the life assured dies or
is permanently disabled due to an accident. If the life assured losses eyesight or legs or hands, he is paid the sum assured. The basic life cover continues
thereafter.</span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"> It is
better to buy an accident disability rider along with the life
insurance policy due to the ease of purchase. But since, in life
insurance, the sum assured for the accident disability rider is capped
much below the sum assured offered for life cover, it is also better to buy a separate accidental benefit policy also to enhance the cover.</span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Critical Illness</b></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">The Critical Illness Benefit rider is a very useful rider as an addition to your life insurance plan. As per this rider, in the event of diagnosis of a critical illness during the policy term, an amount equal/less to the sum assured in the critical illness rider is payable to the insured. The diagnosed illness must be within the purview of the insurance company's defined categories of critical illnesses.<br /> </span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Companies do have a maximum limit for this rider and a clause that states that benefits will be paid only if the disease has occurred after six or 12 months of commencement of the policy.<br /> </span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">If a claim is made under the rider, usually the benefit terminates and hence, no subsequent premiums are charged for this rider</span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/08/9-tips-to-choose-right-mediclaim-policy.html" target="_blank"><span style="color: red;"><span style="font-family: "arial" , "helvetica" , sans-serif;">9 Secre<span style="font-family: "arial" , "helvetica" , sans-serif;">ts to Choose Mediclaim Policy</span></span></span></a> </span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Waiver <span style="font-family: "arial" , "helvetica" , sans-serif;">of Prem<span style="font-family: "arial" , "helvetica" , sans-serif;">ium (WOP)</span></span></b></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"> </span></span></b></span><span style="font-family: "arial" , "helvetica" , sans-serif;"> </span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">This is very simple, WOP waives future premiums if the insured becomes disabled.</span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Mr. Kumar is a 35 year old salaried professional, who is married, and has a 4 year old child. He is a responsible individual who always takes care of his family. In order to plan for his family‟s financial security, he buy a term insurance (Rs. 1 Crore sum assured with 35 years term), on his life, making his wife the nominee under the policy. Further, in order to ensure there is no discontinuity in policy benefit, he also buys Waiver of Premium Rider at a nominal price</span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Mr. Kumar is a 35 year old salaried professional, who is married, and has a 4 year old child. He is a responsible individual who always takes care of his family. In order to plan for his family‟s financial security, he buy a term insurance (Rs. 1 Crore sum assured with 35 years term), on his life, making his wife the nominee under the policy. Further, in order to ensure there is no discontinuity in policy benefit, he also buys Waiver of Premium Rider at a nominal price</span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/08/Cost-of-Child-Education-Planning.html" target="_blank"><span style="color: red;">How to <span style="font-family: "arial" , "helvetica" , sans-serif;">plan your child education <span style="font-family: "arial" , "helvetica" , sans-serif;">Planning</span></span></span></a> </span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">For example Mr.Kumar meets with an accident and loses both his arms or diagnosed with Critical illness :- Future premiums will be waived off till the end of policy term. </span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">I hope i have addressed everything pertaining to Term Insurance , in case if you have any doubts or clarifications do let me know your thoughts in comments </span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;">I hope you enjoyed reading the article , it takes time to write articles, request you to please
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com3tag:blogger.com,1999:blog-6554017070621975222.post-81293140153212441152016-08-05T15:47:00.003+05:302016-08-05T15:47:58.682+05:309 Secrets to Choose Right Mediclaim Policy<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">Health cost are galloping and Health Insurance, the supposed solution, is getting too costly and generally<br />unreliable. What you've got to do to safeguard yourself and your family? If you have to settle on from the maze of suitable health insurance choices, how does one approach toward it? Following are some basic things to keep in mind while buying health insurance.</span></span><br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRZOsw2dPF9tos1t-PW-XodZBSeTV4aosPKjnMp57zjxOfXQJZejsQ7KMN6nOHyG_r0bjcY4Dv_sormnxzUI7dVBMTdm8WdZ0A_rTR78zqIRfy33Mvi7levXSIcw7xpro-7dTFKUKGeVBa/s1600/tips-to-choose-right-mediclaim-policy.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRZOsw2dPF9tos1t-PW-XodZBSeTV4aosPKjnMp57zjxOfXQJZejsQ7KMN6nOHyG_r0bjcY4Dv_sormnxzUI7dVBMTdm8WdZ0A_rTR78zqIRfy33Mvi7levXSIcw7xpro-7dTFKUKGeVBa/s400/tips-to-choose-right-mediclaim-policy.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Image Source : Economictimes.com</td></tr>
</tbody></table>
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<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"></span></span><br />
<b><span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">1-> Splitting up of your coverage</span></span></b><br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"><br /></span></span>
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">It is possible that you or another working member of the family gets insurance coverage as part of an employee insurance plan. However, the employer’s coverage is only as long as you work with them and the terms and amount of coverage may not be enough for your family. In such a situation it helps to choose an additional health insurance cover. Decide which members of your family need to be a part of the health insurance policy. </span></span><br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">You might find splitting of policies more beneficial. When buying for a family, check multiple options. Sometimes it’s beneficial, from a cost perspective, for the oldest member of the family to have a separate policy.</span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/08/Cost-of-Child-Education-Planning.html" target="_blank"><span style="color: red;">How to Plan your Child Education</span></a> </span></span><br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"><br /></span></span>
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"><b>2-> Act in Good Faith</b></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">A health insurance policy is a contract between you, the buyer, and the insurer, issued in good faith. If you fail to make any disclosures required by the insurer at the time of issuance of the policy, your claims could be rejected later. For example, many insurers ask you questions about your present health before issuing a policy. If you suffer from heart disease and do not disclose this to the insurer, your insurer will not cover any expenses you incur for treating your heart ailments later. It may even reject other claims.</span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/07/real-estate-vs-mutual-funds-which-is-better-investment.html" target="_blank"><span style="color: red;">Why Real Estate is a Bull Shit investment</span></a> </span></span><br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"><br /></span></span>
<b><span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">3-> Read Exclusions </span></span></b><br />
<br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">Read the list of exclusions of the health insurance policy - both permanent and those applicable in the initial years. Exclusions define the ailments and the conditions or which health insurance coverage will not be valid. Also, check all the details of the expenses that will be reimbursed,<br />e.g., diagnostic and medication costs might not be covered under all insurance policies. </span></span><br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">Exclusions also have a bearing upon how your ‘Preexisting Diseases’ are dealt with by the specific policy. Put together, a sound understanding of the list and conditions of exclusions give you a good sense of the suitability of the insurance product for you or your family</span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/08/retirement-planning-beating-inflation.html" target="_blank"><span style="color: red;">Retirement Planning : Beating the Inflation Blues</span></a> </span></span><br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"><br /></span></span>
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"><b>4-> Check Hospital Network</b></span></span><br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"><br /></span></span>
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">Check how wide the network of hospitals the health insurance companies have managed to create. Ensure that the hospital near your residence, as well as the one where you seek regular or specialist treatment from, is a part of the hospital network. A wide hospital network is important when applying for cash-less hospitalization. </span></span><br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">More importantly, in case of emergencies or urgent visits to hospitals it is better to have a insurer that is supported by a wide network of hospitals instead of trying to find hospitals that accept your insurer, when emergencies strike.</span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/05/best-sip-mutual-funds-long-term-2016.html" target="_blank"><span style="color: red;">Top 3 Equity Mutual Funds for SIP To Invest In 2016</span></a></span></span><br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"><br /></span></span>
<b><span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">5-> Understand Cashless Facility </span></span></b><br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"><br /></span></span>
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">Check whether the insurer facilitates cashless settlement of claims. You might have a preference for a specific doctor or hospital either because you may have sought treatment in the past or because you have greater trust. This doctor or hospital should ideally be a part of the insurer’s network of hospitals for cashless settlement of expenses. If not, you will have to make a choice between cashless and your preference for doctor or hospital. Some policies have a minimum time before hospitalization, by when the insurer has to be intimated of the admission. Once approved, the cashless hospitalization can go through smoothly</span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/06/best-equity-midcap-funds-to-invest-in-2016-for-long-term.html" target="_blank"><span style="color: red;">Top 3 Mid Caps Churning Money For Investors</span></a> </span></span><br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"><br /></span></span>
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"><b>6-> Know the Caps (Sub Limits)</b></span></span><br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"><br /></span></span>
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">Due to rising costs of healthcare, many insurers have quietly enforced sub-limits or caps for various kinds of expenses. Check whether there is a maximum amount each plan will pay for a specific expense and if there are any sub-limits on specific expenses. When such caps do exist, it makes<br />sense to consider buying either top-ups or super top-ups.</span></span><br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">How do capping works </span></span><br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">Let us your sum insured in Rs 5 Lakhs then in a network hospital , room rent would not be more than 2% of Sum insured and it also differs in a non-network hospital. </span></span><br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">Do check such kind of Sub-limits before purchasing medical policy</span></span><br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">There is also something called as Co-payment which means the fixed percentage of the total bill which you have
to pay in case of a claim. This percentage is already defined in the
policy document. The co-payment clause may be around 10% or 20% for such
policies. For some policies, it can go as high as 40%. You will have to </span></span><span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">Identify those diseases that come under the co-payment clause before you opt for a health insurance policy </span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/07/top-5-elss-or-tax-saving-mutual-fund-to-invest.html" target="_blank"><span style="color: red;">Top 3 ELSS Tax Savings Fund for SIP in India</span></a> </span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"><b>7-> TPA vs In-House Processing</b></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">Most insurance companies employ what are called Third Party Administrators (TPAs) to process your claims while others handle in-house. There are pros and cons for both. There have been complaints about TPAs arbitrarily rejecting claims while health insurers that handle claims in-house may be expensive. </span></span><br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">Whether the insurer is using a TPA or not is not decisive factor but must be kept in mind. Make sure you know the critical conditions in either case, such as when to keep the company and the TPA informed about planned hospitalisation.</span></span><br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"><br /></span></span>
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/05/mutual-funds-versus-ulip.html" target="_blank"><span style="color: red;">Why you should not buy ULIP</span></a></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"><b>8-> Keep Cash </b></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">Always keep some cash aside for medical emergencies as health insurance might not cover 100% of the costs. It may often happen that inspite of having sufficient insurance, you may have to avail of medical services at non-network hospitals or clinics, even when the hospital may be covered, the TPA may end up causing a delay in approval of the cashless admission. There is no other option than to have atleast a minimum amount of cash to take care of expenses which you may later claim from your insurer. </span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/05/how-much-insurance-do-i-need.html" target="_blank"><span style="color: red;">How much Insurance do you need ?</span></a> </span></span><br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"><br /></span></span>
<b><span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">9-> Documentation</span></span></b><br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"><br /></span></span>
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">Ensure that all your medical records and supporting documents,including health insurance cards, are kept safely in an easily accessible place known to all your family members. After all, you or your family should not be running around to take care of paperwork when your immediate priority is to get medical care.<br />Use the above tips to ask further questions either to your agent or to the insurance company. Additionally, try to build a nest-egg through long-term investments in stocks and mutual funds. You mediclaim could turn out to be inadequate for many reasons. ‘Health is wealth’ and ‘Prevention isbetter than cure’. Now, it is the time to act.</span></span><br />
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"></span></span><br />
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<span style="color: red;"><span style="color: black;">Mutual Funds & Insurance Related Articles :-
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<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"><span><a href="http://investkiyakya.blogspot.in/2016/07/real-estate-vs-mutual-funds-which-is-better-investment.html" target="_blank">Why Real Estate is a Bull Shit Investment compared to Mutual Funds ?</a><br />
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<a href="http://investkiyakya.blogspot.in/2016/06/what-is-fixed-maturity-plan-and-its-benefits.html" rel="nofollow" target="_blank">What is FMP in Mutual Funds</a><br />
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<a href="http://investkiyakya.blogspot.in/2016/06/how-to-budget-your-money.html" rel="nofollow" target="_blank">How to Budget Your Money</a><br />
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<a href="http://investkiyakya.blogspot.in/2016/06/term-insurance-policy-for-60-years.html" rel="nofollow" target="_blank">Why Should you buy Term Insurance Upto 60 Years</a><br />
<a href="http://investkiyakya.blogspot.in/2016/06/Insurance-policies-for-women.html" rel="nofollow" target="_blank">5 Must Have Insurance Policies for Women</a></span><br />
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com3tag:blogger.com,1999:blog-6554017070621975222.post-79495618495110565382016-08-03T19:12:00.000+05:302016-08-03T19:12:04.449+05:30Cost of Child Education – Planning and Calculator<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Loving your child is what comes naturally but as a responsible parent you have certain obligations towards your child's future. No matter what, you will always want to do your best and ensure that funds are available at appropriate time to meet all those turning points in his/ her life such as higher education, marriage, etc. These milestones in your child's life are some of those very precious events and will always be cherished by you and your child if met well and on time.</span></span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhhcYzfHTa9Vll7Hnl1TXOJgG5bJ48hzG8SdPTRlY-PBKXzCAc5DftI696EROj_VCjIbd6gQekBv97OGWdGE6d73laz1sbuB6ayZNSJoaRay0hGon_t9kHZj2U_zY-q-2jfyUBM8zjeF9Lz/s1600/education.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="223" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhhcYzfHTa9Vll7Hnl1TXOJgG5bJ48hzG8SdPTRlY-PBKXzCAc5DftI696EROj_VCjIbd6gQekBv97OGWdGE6d73laz1sbuB6ayZNSJoaRay0hGon_t9kHZj2U_zY-q-2jfyUBM8zjeF9Lz/s400/education.jpg" width="400" /></a></div>
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">But, you can only do so when you plan for such events well in advance and in a systematic manner. Saying so, the birth of your child is one of the most important phases in your life and this is when your responsibility as a parent begins. If you realize this and take the first wise step towards securing your child's dream from the very day, there will be no regrets.With you or without you, the regular inflow of funds to meet the financial obligations of funding your child's tuition fees,higher education abroad or a dream wedding should be timely funded for. That's when you will feel a sense of accomplishment and achievement towards the responsibility of your child.</span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">You always want to be there to fulfill their dreams at every step of the way. But just wishful thinking is not enough and you must plan effectively to secure the future of your child. So, here are some factors that you must consider while planning<br /></span></span><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/07/real-estate-vs-mutual-funds-which-is-better-investment.html" target="_blank"><span style="color: red;">Why Real Estate is a dull investment compared to Mutual Funds</span></a></span></span><b> </b></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>The rising cost of education</b><br />The costs of education is constantly increasing. In the last 10 years, private school fees has gone up by 150% as per survey conducted by <a href="http://www.assocham.org/newsdetail.php?id=4960" rel="nofollow" target="_blank">ASSOCHAM (May, 2015)</a>.</span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Graduation and post-graduation costs are also going to increase drastically. </span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Below is a table which shows the data for a private school in Kandivali in Mumbai for a child studying in STD : III. It may be less or more depending on the school which you selec<span style="font-family: "arial" , "helvetica" , sans-serif;">t.</span></span></span><br />
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<tr class="tableizer-firstrow"><th>Cost</th><th>Annual Cost- For One Child</th><th>Annual Cost- For Two Children</th></tr>
</thead><tbody>
<tr><td>School Fees</td><td>45000</td><td>90000</td></tr>
<tr><td>Shirt/ Trousers/ Skirts </td><td>2500</td><td>5500</td></tr>
<tr><td>Shoes</td><td>3500</td><td>6800</td></tr>
<tr><td>Bag / Bottles</td><td>1500</td><td>3000</td></tr>
<tr><td>Sports Kit</td><td>2000</td><td>4500</td></tr>
<tr><td>Text books</td><td>3400</td><td>7000</td></tr>
<tr><td>School trips </td><td>2500</td><td>5500</td></tr>
<tr><td>School Clubs</td><td>1500</td><td>3000</td></tr>
<tr><td>Technology </td><td>1500</td><td>2500</td></tr>
<tr><td>Tution Coaching Expenses </td><td></td><td></td></tr>
<tr><td>Primary Level</td><td>5,000</td><td>10,000</td></tr>
<tr><td>Secondary Level</td><td>25,000/-</td><td>50,000</td></tr>
<tr><td>Extra Co-curricular Expense</td><td></td><td></td></tr>
<tr><td>Primary Level </td><td>3,000</td><td>5,000</td></tr>
<tr><td>Secondary Level</td><td>8,000</td><td>10,000</td></tr>
<tr><td>Total</td><td>79400</td><td>202800</td></tr>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg3bKJ1lgCyqB8hLIIbjk50bwIC6mMT2HGBhg08_mP1G78JKml8AiPRmiMgkNAsZ4e6poM_NiaW8c09v5IZGQZSH-M4yCvpsmxGDKWIa0p8vrYJl8wZVuiVrng1t4Bq8Nq_nKRNVxTEWmLx/s1600/educationcost.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="Child Education Planning" border="0" height="246" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg3bKJ1lgCyqB8hLIIbjk50bwIC6mMT2HGBhg08_mP1G78JKml8AiPRmiMgkNAsZ4e6poM_NiaW8c09v5IZGQZSH-M4yCvpsmxGDKWIa0p8vrYJl8wZVuiVrng1t4Bq8Nq_nKRNVxTEWmLx/s400/educationcost.jpg" title="Child-Education-Planning" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Increase in Education Cost of 1 Child with an Inflation of 5%</td></tr>
</tbody></table>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">The total cost of education for a single year for STD III is Rs 79400 which calculated <span style="font-family: "arial" , "helvetica" , sans-serif;">up to</span> 10th Standard with an inflation of mere 5% comes to around 111723</span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Apart from the above it is clear that savings are not enough and you need investment where <span style="font-family: "arial" , "helvetica" , sans-serif;"></span><a href="http://investkiyakya.blogspot.in/2016/07/what-is-diversification-and-a-diversified-investment-portfolio.html" target="_blank">diversification is a must.</a></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/08/retirement-planning-beating-inflation.html" target="_blank"><span style="color: red;">Retirement Planning : Beating the Inflation Blues</span></a></span></span></span></span> </span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Start Investing as early as possible</b></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Indian Institute of Management Ahmedabad (IIM-A) has increased the fee for its flagship two-year postgraduate programme in management (PGPM) from Rs 18.5 lakh to Rs 19.5 lakh<b>. </b>Increase in 1 lakh fee is 5% inflation of Rs 18.5 Lakhs<span style="font-family: "arial" , "helvetica" , sans-serif;">. </span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Fees in IIM-A in 201<span style="font-family: "arial" , "helvetica" , sans-serif;">1 was <span style="font-family: "arial" , "helvetica" , sans-serif;">Rs 14.5 Lakhs<span style="font-family: "arial" , "helvetica" , sans-serif;">. click <a href="http://mbadiscussions.com/fee-structure-mba-courses-iims-183377.html" rel="nofollow" target="_blank">here</a> to find out the fees for vario<span style="font-family: "arial" , "helvetica" , sans-serif;">us year in IIM<span style="font-family: "arial" , "helvetica" , sans-serif;">.</span></span></span></span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">If you <span style="font-family: "arial" , "helvetica" , sans-serif;">looking to send your child <span style="font-family: "arial" , "helvetica" , sans-serif;">for a post graduate degree <span style="font-family: "arial" , "helvetica" , sans-serif;">a<span style="font-family: "arial" , "helvetica" , sans-serif;">broad in a Institute like </span></span></span></span><span style="font-family: "arial" , "helvetica" , sans-serif;">Harvard Busines<span style="font-family: "arial" , "helvetica" , sans-serif;">s School </span>cost i<span style="font-family: "arial" , "helvetica" , sans-serif;">s approxi<span style="font-family: "arial" , "helvetica" , sans-serif;">mate Rs 96 Lakhs<span style="font-family: "arial" , "helvetica" , sans-serif;"> in <span style="font-family: "arial" , "helvetica" , sans-serif;">present value </span></span></span></span></span></span></span></span></span><br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgk7iq6JFhAsY3XZLv7IHVChjTrULjZ1a3M8xRGx-bxP4PgGjmVZVXQcphaE_q1gkCwjJuOMGubJzsQrc0bMfXyl39zhSm4OolLn4sVkwOXcwITwscHHmQ0tcZ9EBiuEJznZPbJMboKvvKs/s1600/how-to-do-child-education-planning.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="317" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgk7iq6JFhAsY3XZLv7IHVChjTrULjZ1a3M8xRGx-bxP4PgGjmVZVXQcphaE_q1gkCwjJuOMGubJzsQrc0bMfXyl39zhSm4OolLn4sVkwOXcwITwscHHmQ0tcZ9EBiuEJznZPbJMboKvvKs/s400/how-to-do-child-education-planning.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Source : economictimes.com</td></tr>
</tbody></table>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span id="goog_1734269742"></span><span id="goog_1734269743"></span><br /></span></span></span>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"> A child in India normally completes graduation at 21 years of age and below are different scenarios depending on the age of child and funds required for a<span style="font-family: "arial" , "helvetica" , sans-serif;"> <span style="font-family: "arial" , "helvetica" , sans-serif;">reputed institute li<span style="font-family: "arial" , "helvetica" , sans-serif;">ke </span></span></span>MBA in IIM-A after 5,10,15,20 years.</span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">In my example i have selected MBA but it could be any Post-Graduation degree<span style="font-family: "arial" , "helvetica" , sans-serif;">. You need <span style="font-family: "arial" , "helvetica" , sans-serif;">to find the present cost today and <span style="font-family: "arial" , "helvetica" , sans-serif;">future value </span>with future<span style="font-family: "arial" , "helvetica" , sans-serif;"> value calculator (sear<span style="font-family: "arial" , "helvetica" , sans-serif;">ch <span style="font-family: "arial" , "helvetica" , sans-serif;">in goo<span style="font-family: "arial" , "helvetica" , sans-serif;">gle there are hundre<span style="font-family: "arial" , "helvetica" , sans-serif;">ds of websites a<span style="font-family: "arial" , "helvetica" , sans-serif;">vai<span style="font-family: "arial" , "helvetica" , sans-serif;">lable) </span></span></span></span></span></span></span></span></span> </span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Let us understand the cost and investment required with the help of a sample case study: </span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/05/best-sip-mutual-funds-long-term-2016.html" target="_blank"><span style="color: red;">Top 3 <span style="font-family: "arial" , "helvetica" , sans-serif;">Large Cap Mutual Funds to Inve<span style="font-family: "arial" , "helvetica" , sans-serif;">st in 2016</span></span></span></a></span></span></span></span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Assumption made while calculating the scenarios </span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Curren<span style="font-family: "arial" , "helvetica" , sans-serif;">t Savings : NIL </span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Increase in <span style="font-family: "arial" , "helvetica" , sans-serif;">Yearly Savings : NIL </span> </span></span> </span></span><br />
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</b><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Scenario 1</b> :<b> </b>Mr & Mrs Bajaj, a married couple with a child of 1 year</span></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjV8rFCC45YAOe-BFtRt_XDILsbHmI_1eYx-ymMKDVJTl6gJvrIRLBPDPgA5EpjNzidgD0RvYdtakxfHE9pSk86u8NvGUKp3UuQa2UV3SmbUjROGAHJDWEDf2-iKqZnXaFf0Hkcov7HFo7R/s1600/Child_Education_Planning-20years.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="Child-Education-Planning-in-India" border="0" height="306" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjV8rFCC45YAOe-BFtRt_XDILsbHmI_1eYx-ymMKDVJTl6gJvrIRLBPDPgA5EpjNzidgD0RvYdtakxfHE9pSk86u8NvGUKp3UuQa2UV3SmbUjROGAHJDWEDf2-iKqZnXaFf0Hkcov7HFo7R/s640/Child_Education_Planning-20years.jpg" title="Child Education Planning in India" width="640" /></a></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">MBA cost after 20 years at an inflation of 5% would be Rs 51.73 Lakhs. Mr Bajaj would have to invest Rs 5625 every month in an asset class which would provide at-least 12% returns.</span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Scenario 2</b> : Mr & Mrs Sharma blessed with a <span style="font-family: "arial" , "helvetica" , sans-serif;">kid</span> of <span style="font-family: "arial" , "helvetica" , sans-serif;">6</span> years</span></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhSWIsme21Ek4bMwaBZpjIl4InizhGHDRG2XyWVo-CwogHy8FNYpigZtXBwpeHestzJy8eSpKoesRja1Fxbv3RIvutHWNUpDW1vIn_bUxnPxie3tVeZlpRQPz8jfrBuW-FA-Mbf-r4QTseu/s1600/Child_Education_Plan_15years.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="298" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhSWIsme21Ek4bMwaBZpjIl4InizhGHDRG2XyWVo-CwogHy8FNYpigZtXBwpeHestzJy8eSpKoesRja1Fxbv3RIvutHWNUpDW1vIn_bUxnPxie3tVeZlpRQPz8jfrBuW-FA-Mbf-r4QTseu/s640/Child_Education_Plan_15years.jpg" width="640" /></a></div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Mr Shar<span style="font-family: "arial" , "helvetica" , sans-serif;">ma will have to save R<span style="font-family: "arial" , "helvetica" , sans-serif;">s 8<span style="font-family: "arial" , "helvetica" , sans-serif;">518 every month for 15 years to<span style="font-family: "arial" , "helvetica" , sans-serif;"> <span style="font-family: "arial" , "helvetica" , sans-serif;">accumulate a cor<span style="font-family: "arial" , "helvetica" , sans-serif;">pus of </span></span></span></span></span></span>Rs 40<span style="font-family: "arial" , "helvetica" , sans-serif;">.50 Lakhs <span style="font-family: "arial" , "helvetica" , sans-serif;">calculated at an inflation of 5% and <span style="font-family: "arial" , "helvetica" , sans-serif;">investment returns of 12%<span style="font-family: "arial" , "helvetica" , sans-serif;">.</span></span></span></span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/06/best-equity-midcap-funds-to-invest-in-2016-for-long-term.html" target="_blank"><span style="color: red;">Top 3 Mid Cap Mutua<span style="font-family: "arial" , "helvetica" , sans-serif;">l <span style="font-family: "arial" , "helvetica" , sans-serif;">Funds Churning Money For Investors</span></span></span></a></span></span></span></span></span></span></span></span></span></span></span></span></span></span> </span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Scenario <span style="font-family: "arial" , "helvetica" , sans-serif;">3</span></b> : Mr & Mrs <span style="font-family: "arial" , "helvetica" , sans-serif;">Mehta</span> with a <span style="font-family: "arial" , "helvetica" , sans-serif;">single child of 1<span style="font-family: "arial" , "helvetica" , sans-serif;">1 years old <span style="font-family: "arial" , "helvetica" , sans-serif;">and they have 10 years for their child to graduate and in the meantime the<span style="font-family: "arial" , "helvetica" , sans-serif;">y have </span>t<span style="font-family: "arial" , "helvetica" , sans-serif;">o create the cor<span style="font-family: "arial" , "helvetica" , sans-serif;">pus of Rs 31,76,345/- at assumed inflation of 5%.</span></span></span></span></span></span></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-VPU5ICf96CyUHJgMlz1jrk9HGDBELaV5PO2rrG_CppqtSOKu3c7i0I5j8CKYHYbHjN7leIOKMun2Lt_qRY8PsbDQ-DHyvX40sUEeD2G868Nv2UpU6uADGcdWOhcQ5RZBL_x3O_z9tn8y/s1600/Child_Education_Plan_10years.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="how-to-do-child-education-planning" border="0" height="292" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-VPU5ICf96CyUHJgMlz1jrk9HGDBELaV5PO2rrG_CppqtSOKu3c7i0I5j8CKYHYbHjN7leIOKMun2Lt_qRY8PsbDQ-DHyvX40sUEeD2G868Nv2UpU6uADGcdWOhcQ5RZBL_x3O_z9tn8y/s640/Child_Education_Plan_10years.jpg" title="how to do child education planning" width="640" /></a></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Monthly <span style="font-family: "arial" , "helvetica" , sans-serif;">investment of Rs 14000 is required which<span style="font-family: "arial" , "helvetica" , sans-serif;"> should fetch a return of 12% per annum adjusting inflation of 5%</span></span></span></span></span></span></span></span></span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Scenario 4</b><span style="font-family: "arial" , "helvetica" , sans-serif;"> : Mr & Mrs Khan with a <span style="font-family: "arial" , "helvetica" , sans-serif;">single child of 16 years old just completed <span style="font-family: "arial" , "helvetica" , sans-serif;">10th Grade<span style="font-family: "arial" , "helvetica" , sans-serif;"> an<span style="font-family: "arial" , "helvetica" , sans-serif;">d they have 5 years to accumulate a<span style="font-family: "arial" , "helvetica" , sans-serif;">mount of Rs </span></span></span>25 Lakhs appr<span style="font-family: "arial" , "helvetica" , sans-serif;">oxi<span style="font-family: "arial" , "helvetica" , sans-serif;">mate </span></span></span></span></span></span></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSkn4__kCGYsDwaoNyvK-LQy0Qzj6Y1mrPvvDLCm1U9WwBtS171QoCBK14S2oMmB-UC8SfDPWeCuMGW-ddYTSrkEbY1oPyy7Y74SibM19MYZt0jHh7Q2HLqJeFBTGrkpG0V_J5CLujlsMy/s1600/Child_Education_Planning_5years.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="308" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSkn4__kCGYsDwaoNyvK-LQy0Qzj6Y1mrPvvDLCm1U9WwBtS171QoCBK14S2oMmB-UC8SfDPWeCuMGW-ddYTSrkEbY1oPyy7Y74SibM19MYZt0jHh7Q2HLqJeFBTGrkpG0V_J5CLujlsMy/s640/Child_Education_Planning_5years.jpg" width="640" /></a></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">From the above scenarios it <span style="font-family: "arial" , "helvetica" , sans-serif;">can be <span style="font-family: "arial" , "helvetica" , sans-serif;">said</span> that longer the <span style="font-family: "arial" , "helvetica" , sans-serif;">horizon <span style="font-family: "arial" , "helvetica" , sans-serif;">large the cor<span style="font-family: "arial" , "helvetica" , sans-serif;">pus <span style="font-family: "arial" , "helvetica" , sans-serif;">required but with smaller monthly outflow </span></span></span></span></span></span></span></span></span></span></span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/05/mutual-funds-versus-ulip.html" target="_blank"><span style="color: red;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Why <span style="font-family: "arial" , "helvetica" , sans-serif;">you should <span style="font-family: "arial" , "helvetica" , sans-serif;">not buy ULIP</span></span></span></span></a> </span></span></span></span></span></span></span></span></span></span></span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Achieve Child Education Goal with SIP</span><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"></span></span></span></span></b></span></span><br />
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<tr class="tableizer-firstrow"><th>Child Age </th><th>Time Available </th><th>Instruments </th><th>Inflation </th><th>Future Value of Education Cost </th><th>SIP required </th><th>Rate of Returns </th></tr>
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<tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr>
<tr><td>0-2 Years </td><td>Over 15 Years </td><td>Diversified Equity Funds</td><td>5%</td><td>4053910</td><td>8500</td><td>12%</td></tr>
<tr><td></td><td></td><td>Stocks </td><td></td><td></td><td></td><td></td></tr>
<tr><td></td><td></td><td>GOLD Funds</td><td></td><td></td><td></td><td></td></tr>
<tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr>
<tr><td>3-6 Years </td><td>12-15 Years </td><td>Diversified Equity Funds</td><td>5%</td><td>3501920</td><td>11366</td><td>12%</td></tr>
<tr><td></td><td></td><td>Stocks </td><td></td><td></td><td></td><td></td></tr>
<tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr>
<tr><td>7-10 Years </td><td>8-11 Years </td><td>Diversified Equity Funds</td><td>5%</td><td>2881038</td><td>18348</td><td>12%</td></tr>
<tr><td></td><td></td><td>Balanced Funds </td><td></td><td></td><td></td><td></td></tr>
<tr><td></td><td></td><td>Debt Oriented Balanced Fund </td><td></td><td></td><td></td><td></td></tr>
<tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr>
<tr><td>11-14 Years </td><td>6-7 Years </td><td>Debt Oriented Balanced Fund </td><td>5%</td><td>2613186</td><td>28466</td><td>8%</td></tr>
<tr><td></td><td></td><td>Debt Funds </td><td></td><td></td><td></td><td></td></tr>
<tr><td></td><td></td><td>Recurring Deposit </td><td></td><td></td><td></td><td></td></tr>
<tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr>
<tr><td>15+ Years </td><td><=5 Years </td><td>Recurring Deposit </td><td>5%</td><td>2370237</td><td>42034</td><td>8%</td></tr>
<tr><td></td><td></td><td>Debt Funds </td><td></td><td></td><td></td><td></td></tr>
<tr><td></td><td></td><td>MIP </td><td></td><td></td><td></td><td></td></tr>
<tr><td></td><td></td><td>FMP</td><td></td><td></td><td></td><td></td></tr>
</tbody></table>
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<b><span style="font-size: large;"><span style="font-family: Arial, Helvetica, sans-serif;">Reviewing your portfolio </span></span></b><br />
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<span style="font-size: large;"><span style="font-family: Arial, Helvetica, sans-serif;">Once the above portfolio is in place, you will to have review it it at least once </span></span><span style="font-size: large;"><span style="font-family: Arial, Helvetica, sans-serif;"><span style="background-color: white; color: black; display: inline ! important; float: none; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 1; word-spacing: 0px;">you also need to check check whether the amount required for meeting the goal has changed. "The education goal has two components: tuition fee and cost of living. Any of these could rise faster than expected. You need to find out whether the 5% per cent inflation rate that we have assumed is a realistic estimate"<span class="Apple-converted-space"> </span></span></span></span><br />
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<span style="font-size: large;"><span style="font-family: Arial, Helvetica, sans-serif;"><span style="background-color: white; color: black; display: inline ! important; float: none; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 1; word-spacing: 0px;"><span class="Apple-converted-space"><span style="font-size: large;"><span style="font-family: Arial, Helvetica, sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/05/best-sip-mutual-funds-long-term-2016.html" target="_blank"><span style="color: red;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Top 3 ELSS Tax Savings Funds <span style="font-family: "arial" , "helvetica" , sans-serif;">in India t<span style="font-family: "arial" , "helvetica" , sans-serif;">o Inves<span style="font-family: "arial" , "helvetica" , sans-serif;">t via SIP</span></span></span></span></span></a></span></span></span></span></span></span></span><span style="font-size: large;"><span style="font-family: Arial, Helvetica, sans-serif;"> </span></span></span></span></span></span><br />
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<span style="font-size: large;"><span style="font-family: Arial, Helvetica, sans-serif;"><span style="background-color: white; color: black; display: inline ! important; float: none; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 1; word-spacing: 0px;"><span class="Apple-converted-space"><b>Approaching the goal</b><br /><br />The investment process is never the same, especially if you are investing for the long term. I have suggested equity funds for those with an investment horizon of over 12-15 years. However, five years before your goal, you should start shifting money out of equities to the safety of debt. Start a systematic transfer plan from your equity fund to a short-term debt fund (average maturity of 1-3 years). Keep in mind that the date of your child's admission for post graduation is fixed.<br /><br />You can't let a downturn in the stock markets threaten your child's post graduation.</span><span class="Apple-converted-space"></span></span></span></span><br />
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<span style="color: red;"><span style="color: black;">Mutual Funds & Insurance Related Articles :-
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com6tag:blogger.com,1999:blog-6554017070621975222.post-18510627987776916592016-08-02T15:44:00.000+05:302016-08-02T15:47:52.997+05:30Which tax-saving investment best suits your needs? Find out<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><i>"More and more investors have realized the importance of investing early and have begun making tax savings instruments at the beginning of the new financial year</i> "</span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Gone are the days when you waited till the end of March to invest in tax-saving instruments to claim exemptions. More and more people have realized the importance of investing early during the year, which can bring relief to you and make investments sensible too. </span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">To give an example, it is widely seen that young investors put money either in a five-year bank fixed deposits (FDs) or endowment insurance schemes.<br />Now, instead of going in for these routine options, investors have begun putting the same amount in <a href="http://investkiyakya.blogspot.in/2016/06/equity-linked-savings-schemes.html" target="_blank">equity-linked saving schemes</a> (ELSSs), which will enable them to enjoy the benefits of compounding and rupee cost averaging.</span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br />With rising awareness not only individuals but also financial institutions have started promoting tax-saving financial products at the start of the year.</span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br />The beginning of a financial year is a good time to start tax planning as it will give enough time to understand various financial products and thus help get more returns. In India, there are a range of tax-saving products from Public Provident Fund (PPF) and National Saving Certificates (NSC) to ELSS.<br /> </span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">However, instead of blindly putting in money to save taxes, you need to plan for future and invest accordingly. </span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"></span></span><br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVpeD3zxDuyQ-BbZpyeARvalB-iv9fR5ymPr3O6hSACo0VT52y47rR205JPhc-qD3hykDRkLl7pdtWiCEUaA4JFN3I4xbC7q7f_YXyrB6McNjvd84Em2Ieh-cnOb7pJt2Uo6wXR6-v-af7/s1600/tax-savings-instruments-in-india.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="176" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVpeD3zxDuyQ-BbZpyeARvalB-iv9fR5ymPr3O6hSACo0VT52y47rR205JPhc-qD3hykDRkLl7pdtWiCEUaA4JFN3I4xbC7q7f_YXyrB6McNjvd84Em2Ieh-cnOb7pJt2Uo6wXR6-v-af7/s400/tax-savings-instruments-in-india.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">The Savings Route: Tax-saving investments should be chosen from various
asset classes so as to build your financial portfolio while lowering
your tax burden.</td></tr>
</tbody></table>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">In this article i will explain where you can invest and how you can benefit from investing in right products at the right time.</span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/07/real-estate-vs-mutual-funds-which-is-better-investment.html" target="_blank"><span style="color: red;">Why Real Estate is a dull investment compared to Mutual Funds</span></a></span></span><br />
<br />
<b><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;">NATIONAL SAVINGS CERTIFICATE (NSC)</span></span></span></span></b><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><br />National Savings Certificate also known as NSC is a successful tax-saving instrument in both rural and urban India. NSC is backed by the government of India, and is one of the safest investment options available at post offices across the country. </span></span></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;">Currently, NSC offers interest at the rate of 8.10% and is a popular and safe small savings instrument that combines tax savings with guaranteed returns.</span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><br />The interest is paid at maturity but is taxable annually. Investment up to 1 lakh per annum qualifies for income tax rebate under section 80C of the Income-tax Act. However, the interest that accrues every year is included in your taxable income and is liable for tax payment. </span></span></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;">Certificates can be bought from any head post office or general post office.<br />As far as liquidity is concerned NSC is liquid, despite the 5- and 10-year stipulated lock-in period. The liquidity is offered in the form of loans and withdrawals are subject to conditions. The amount and rate at which the loan is permitted depends on the lending institution.<br /> </span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;">This scheme is mainly for small businessmen and salaried individuals. People buy NSC every month for 10 years, which is re-invested on maturity as after retirement it will automatically fetch a monthly pension as the NSC starts maturing.</span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><br />National Savings Certificates are not inflation-protected. If inflation is above interest rates, it will fetch negative returns. But in present scenario where inflation is low, you can earn real return from this investment product.</span></span></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/08/retirement-planning-beating-inflation.html" target="_blank"><span style="color: red;">Retirement Planning : Beating the Inflation Blues</span></a></span></span></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="color: red;"><span style="color: black;"><b>FIVE-YEAR BANK FIXED DEPOSITS (FDS)</b><br /> </span></span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="color: red;"><span style="color: black;">Five-year bank fixed deposits are not picked as often as other investment products despite of it giving rebate under section 80C of the Income-tax Act. Five-year bank fixed deposits is a tax-saving investment product with a shorter duration and can be opted if you are a risk-averse investors. </span></span></span></span></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="color: red;"><span style="color: black;">FDs offered by various banks have a lock-in period of five years and the interest is taxable. Different banks offer different interest rates on their tax-saving FDs. You can earn better interest through FDs as compared to the 4% to 5% interest otherwise earn from your savings bank accounts.</span></span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="color: red;"><span style="color: black;"><br />Currently, many private banks offer 7% to 8.5% interest on five-year FDs. The main advantage of such FDs is the guaranteed higher interest on them instead of regular bank deposits. <br /> </span></span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="color: red;"><span style="color: black;">Here again you can enjoy the benefits when inflation is below the rates offered by banks. The interest rate is fixed and guaranteed for the duration of the deposit at the commencement of the deposit. The bank deposit is liquid, despite the lock-in during the tenure of the deposit. The liquidity is offered in the form of loans and withdrawals are subject to conditions. In case of an emergency, you can close FDs prematurely at the cost of losing the interest otherwise earn if it was kept till maturity.</span> </span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="color: red;"> </span> </span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/07/what-is-diversification-and-a-diversified-investment-portfolio.html" target="_blank"><span style="color: red;">Why Diversification is a Must in Portfolio</span></a></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><br /></span></span></span></span>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><b>PUBLIC PROVIDENT FUND (PPF)</b></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><br /></span></span></span></span>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;">Despite interest rates being cut for the current financial year from 8.7% to 8.1%, Public Provident Fund (PPF) remains the top choice for tax savers since many years. PPF is completely risk-free in nature as it is backed by the government of India. </span></span></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;">A person cannot open more than one account in his or her name or even have a joint account. The minimum amount of investment in a PPF account is 500 per annum and the maximum amount of investment in a year is 1.5 lakh. In case of a minor’s account, the investment in the minor’s and guardian’s account together cannot exceed 1.5 lakh per annum.<br /> </span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;">Deposits can also be made in 12 installments at the most in a year. PPF comes with a lock-in period of 15 years, which makes it a long-term investment option. PPF also offers liquidity to the<span style="font-family: "arial" , "helvetica" , sans-serif;"> you if <span style="font-family: "arial" , "helvetica" , sans-serif;">you</span></span> need money, <span style="font-family: "arial" , "helvetica" , sans-serif;">you</span> can withdraw after the fifth year, but withdrawals cannot exceed 50% of the balance at the end of the fourth year, or the immediate preceding year, whichever is lower. <br /> </span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;">Also, only one withdrawal is allowed in a financial year. You can also take a loan against PPF. But it cannot exceed 25% of the balance in the preceding year. Invest before the 5th of the month if you want your contribution to earn interest for that month as well. The biggest advantage of the scheme is that, it is EEE in tax status, meaning investments are exempt, interest earned is exempt and final corpus is tax free in the hands of the investors.</span></span></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/05/best-sip-mutual-funds-long-term-2016.html" target="_blank"><span style="color: red;">Top 3 <span style="font-family: "arial" , "helvetica" , sans-serif;">Large Cap Mutual Funds to Inve<span style="font-family: "arial" , "helvetica" , sans-serif;">st in 2016</span></span></span></a></span></span></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><b>National Pension Scheme</b></span></span></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;">NPS as it is called is one of the <span style="font-family: "arial" , "helvetica" , sans-serif;"></span>cheapest investment options available<span style="font-family: "arial" , "helvetica" , sans-serif;"> </span>to investors not only in India but also in the global markets. It is a defined<span style="font-family: "arial" , "helvetica" , sans-serif;"> </span>contribution-based pension scheme,<br />launched by the government and is<span style="font-family: "arial" , "helvetica" , sans-serif;"> </span>effective from 1st April 2009.</span></span></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;">Earlier only government employees were able to enjoy the benefits of NPS, but<b> </b>now <span style="font-family: "arial" , "helvetica" , sans-serif;">you</span> can <span style="font-family: "arial" , "helvetica" , sans-serif;">also invest in </span>NPS and <a href="http://investkiyakya.blogspot.in/2016/08/retirement-planning-beating-inflation.html" target="_blank">save for re<span style="font-family: "arial" , "helvetica" , sans-serif;">tirement.</span></a></span></span></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">The biggest advantage of NPS is the additional tax benefit of 50,000 under Section 80C of the Income-tax Act, which means investors would get tax benefits of 2 lakhs.<br /> </span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">In order to bring parity among pensioners, in the last Union budget it was announced that investors can withdraw 40% of the total corpus at the age of 60, which would be entirely tax free. This new announcement will have a positive impact on NPS and might attract fresh flows as one of the major issues of taxation has been resolved by the government.</span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br />However, one of the major drawbacks of the scheme is that <span style="font-family: "arial" , "helvetica" , sans-serif;">you</span> cannot take out money before 60 years. But it is one of cheapest schemes available <span style="font-family: "arial" , "helvetica" , sans-serif;">for them</span> who want to enjoy an additional tax exemption of 50,000 and are willing to wait for retirement. For many investors, this is a positive feature as it prevents premature withdrawals. But a number of them refrain from investing in PPFs due to the longer tenure. </span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></span></span></span>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/06/best-equity-midcap-funds-to-invest-in-2016-for-long-term.html" target="_blank"><span style="color: red;">Top 3 Mid Cap Mutua<span style="font-family: "arial" , "helvetica" , sans-serif;">l <span style="font-family: "arial" , "helvetica" , sans-serif;">Funds Churning Money For Investors</span></span></span></a></span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></span></span></span>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>EQUITY-LINKED SAVINGS SCHEME (ELSS)</b></span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></span></span></span>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Equity-linked savings scheme or ELSS gives <span style="font-family: "arial" , "helvetica" , sans-serif;">you</span> the option to invest 100% in equities and claim tax exemption under Section 80C of the Income-tax Act. ELSS has the shortest lock-in period of three years among all tax-saving options under Section 80C.<br /> </span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Being equity funds, these schemes can generate good returns for investors over long term. If <span style="font-family: "arial" , "helvetica" , sans-serif;">you</span> invest regularly through <a href="http://investkiyakya.blogspot.in/2016/06/benefits-of-systematic-investment-plans.html" target="_blank">systematic investment plans</a> (SIPs) <span style="font-family: "arial" , "helvetica" , sans-serif;">you</span> can earn better returns compared to other tax saving products.<br /> </span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">In the past five years as well as 10 years, this category has created wealth for investors with average returns in the range of 16% to 18%.<br /> </span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">However, <span style="font-family: "arial" , "helvetica" , sans-serif;">you</span> have to understand that the potential to earn high returns comes with high risks. These funds can even give negative returns when markets are volatile and are in the red. Though most tax saving schemes can get better returns than the broader index, there are many schemes that have lost 12% to 14% in the last one year.</span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br />Therefore, If you have the patience to stay invested for a longer duration and can face volatility should consider this option.<br />You should avoid the dividend reinvestment option for ELSS schemes because the lock-in period will prevent them from exiting fully. Their best option is to take the SIP route since the start of the year.</span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></span></span></span>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/05/best-sip-mutual-funds-long-term-2016.html" target="_blank"><span style="color: red;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Top 3 ELSS Tax Savings Funds <span style="font-family: "arial" , "helvetica" , sans-serif;">in India t<span style="font-family: "arial" , "helvetica" , sans-serif;">o Inves<span style="font-family: "arial" , "helvetica" , sans-serif;">t via SIP</span></span></span></span></span></a></span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></span></span></span>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>UNIT-LINKED INSURANCE PLANS (ULIPs) AND LIFE INSURANCE POLICIES</b> <br /> </span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Unit-linked insurance plans (ULIPs) are a category of goal-based financial solutions and are long-term plans offering <span style="font-family: "arial" , "helvetica" , sans-serif;">you</span> the dual benefit of insurance and investments. </span></span></span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">In ULIPs, a part of the investment goes towards providing for your life cover. The remaining portion of the ULIP is invested in a fund, which, in turn,<span style="font-family: "arial" , "helvetica" , sans-serif;"> </span>invests in stocks or bonds<span style="font-family: "arial" , "helvetica" , sans-serif;">,</span> the value of investments alters with the performance of the underlying fund opted by you. </span></span></span></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">There are options for <span style="font-family: "arial" , "helvetica" , sans-serif;">you </span>like investing in equity, debt balanced or corporate bonds. However, insurance plans have their own pros and cons. So, <span style="font-family: "arial" , "helvetica" , sans-serif;">you </span>must research well before investing in insurance policies and not jump merely with the intention to save taxes by investing in such products. </span></span></span></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">You</span> <span style="font-family: "arial" , "helvetica" , sans-serif;">should</span> ascertain whether the plan meets <span style="font-family: "arial" , "helvetica" , sans-serif;">your</span> goals. Also, <span style="font-family: "arial" , "helvetica" , sans-serif;">you</span> should evaluate the performance of previous ULIPs. Additionally, <span style="font-family: "arial" , "helvetica" , sans-serif;">you</span> should find out if they are single or regular premium ULIPs. Consider choosing a policy tenure of at least 15 years, which can give good amount of money.</span></span></span></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">It is always seen that investors disband their insurance policies and not complete their full term, which impacts their savings. It is always advisable to either pay premiums for the full term or take other life insurance policies. While investors who want to look at<span style="font-family: "arial" , "helvetica" , sans-serif;"> </span>other insurance products should also look at investing in term insurance, endowment or retirement plans that offer tax benefits under the Income-tax Act.<br /> </span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/05/how-much-insurance-do-i-need.html" target="_blank"><span style="color: red;">How much Insurance do you need ?</span></a> </span></span></span></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">In India, life insurance still remains the most preferred tax-saving instrument and many believe that by paying insurance premium they save taxes as well as money for their retirement purposes. But <span style="font-family: "arial" , "helvetica" , sans-serif;">you</span> should invest only if <span style="font-family: "arial" , "helvetica" , sans-serif;">yo<span style="font-family: "arial" , "helvetica" , sans-serif;">u </span></span>are sure of what <span style="font-family: "arial" , "helvetica" , sans-serif;">returns you will</span> get after the investment matures. <span style="font-family: "arial" , "helvetica" , sans-serif;">You</span> should always remember that investing in life insurance policies should not be made only to avail tax benefits but to get life benefits also. The main aim of an insurance product is to ensure a financially-secure future for your family members.<br /> </span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Finally, remember that before buying any investment product such as ULIPs, endowment or money back policy, <span style="font-family: "arial" , "helvetica" , sans-serif;">you</span> should always calculate <span style="font-family: "arial" , "helvetica" , sans-serif;">your</span> need for insurance. If <span style="font-family: "arial" , "helvetica" , sans-serif;">you</span> do not believe that insurance can <span style="font-family: "arial" , "helvetica" , sans-serif;">fulfill</span> <span style="font-family: "arial" , "helvetica" , sans-serif;">you</span> needs, then they can certainly invest in a <a href="http://investkiyakya.blogspot.in/2016/06/term-insurance-policy-for-60-years.html" target="_blank">term plan</a> and the remaining money can be put in <a href="http://investkiyakya.blogspot.in/2016/06/equity-linked-savings-schemes.html" target="_blank">ELSS</a> through SIPs, which can offer both tax advantage as well as exposure to the equity market<span style="font-family: "arial" , "helvetica" , sans-serif;">s</span>.</span></span></span></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/05/mutual-funds-versus-ulip.html" target="_blank"><span style="color: red;">Mutual Funds Vs ULIP</span></a> </span></span></span></span></span><br />
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<a href="http://investkiyakya.blogspot.in/2016/05/how-much-insurance-do-you-need.html" rel="nofollow" target="_blank">How Much Insurance Do You Really Need</a><br />
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com2tag:blogger.com,1999:blog-6554017070621975222.post-79825277788683988482016-08-01T15:56:00.000+05:302016-08-01T15:56:03.557+05:30Retirement Planning : Beating the Inflation Blues<div dir="ltr" style="text-align: left;" trbidi="on">
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<i><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">"Make sure you have more than provident fund and gratuity to bank on at Retirement"</span></span></i><br />
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi8A7ZHmSJRXm0L6Qf6avSXCs2uOnkpz47zqfsyg1N_doDAanZ1clR_fs53N3TnXijGtKC7zqnnPtgXl9TbHBFaGWS5C6UX4pLeDNocNKfYWyCxJOXx1pztWq8qe0BrVBw7fvtN2G2wG6JL/s1600/how-to-do-retirement-planning.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="How-to-Do-Retirement-Planning" border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi8A7ZHmSJRXm0L6Qf6avSXCs2uOnkpz47zqfsyg1N_doDAanZ1clR_fs53N3TnXijGtKC7zqnnPtgXl9TbHBFaGWS5C6UX4pLeDNocNKfYWyCxJOXx1pztWq8qe0BrVBw7fvtN2G2wG6JL/s320/how-to-do-retirement-planning.jpg" title="How to Do Retirement Planning" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Image Source : Economic Times</td></tr>
</tbody></table>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">I am sure most of you have seen Amitabh Bachchan starrer Baghban. One sympathies with the retired couple and their torment in the film. The movie is a classic example of how one should not approach their so called "golden years", or retirement period. <br /><br />In one of the scenes, Bachchan avails a loan from his provident fund account and when asked whether his action is appropriate, he confidently makes a statement that his children would take care of him. Little did the actor realize what stood for him in the future. <br /><br />The film clearly explains the need for one's retirement planning in today's world of nuclear families. It was indeed surprising for a banker to have made such a blunder. We need to pose this question to ourselves — is there something to learn from the film or we still want to continue being ignorant to such issues<span style="font-family: "arial" , "helvetica" , sans-serif;">?</span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">It is through this movie one could understand the disasters and helplessness of not having a planned retirement. I want to draw your attention to inflation which will play the most important role in your retirement period. </span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/07/real-estate-vs-mutual-funds-which-is-better-investment.html" target="_blank"><span style="color: red;">Why Real Estate is a Dull Investment compared to Mutual Funds ?</span></a></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Inflation, in simple terms, means the increase in the over all level of prices over a period of time. It cannot be controlled by you as an individual but it surely affects you in great way. Inflation adversely affects retired people as the income is not in appropriation with inflation. <br /><br />At the same time it does also affects people who are earning, but there are several ways in which they can mitigate the effect, rising wages being one of them. Retired people usually have fixed income. This income could be in the form of interest from fixed deposit or pension funds. These income does not change in respect to inflation.Moreover, they invest in debt products, which usually have a time frame of 3-5 years. With rising inflation it becomes more difficult for retired people to meet their expenses with the limited resources. <br /><br />Let us understand with the help of an example, Mr Shah current age 35 years is having a yearly expense of Rs 420,000 (Monthly expense of Rs 35000 X 12). Assuming if he retires at 60 years of age how much corpus would he require to have the same lifestyle. <br />But as mentioned earlier inflation is the devil , all goods and services which can be bought today in Rs 420,000 will not be possible for them to buy after 25 years. There is a formula which derives the future value of present value which is shown below.</span></span></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJEQgPDjYZuA_4aZWT1aSdd4mRIpinONrdFbVw6VSwCR1OlIKFK5l1OOC7kXuKkBaxzjOYcFXf18FO7W5BwIYc3NcPys1aEM5Xj_ax9sOK6Q0xhkoCa2Gj9xSn5iCUxhglkkWi824omePE/s1600/future+value.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJEQgPDjYZuA_4aZWT1aSdd4mRIpinONrdFbVw6VSwCR1OlIKFK5l1OOC7kXuKkBaxzjOYcFXf18FO7W5BwIYc3NcPys1aEM5Xj_ax9sOK6Q0xhkoCa2Gj9xSn5iCUxhglkkWi824omePE/s1600/future+value.gif" /></a></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Future Value of Rs 420000/- after 25 years at an Inflation of 7% would be <br />FV = 420000 X (1+7/100)^25 = Rs 22,79,522/- <br />In order to maintain the lifestyle which Mr Shah is maintaining today he would require Rs 22,79,521 yearly starting in his first year of retirement and to generate that income he would require a corpus of 2,85,17,899.</span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/05/best-sip-mutual-funds-long-term-2016.html" target="_blank"><span style="color: red;">Top 3 Large Cap Fund to Invest in 2016 via SIP</span></a></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">But the story doesn't end year, even after retirement he may live up to 70 or 80 years and after 60 years it is his investments which are going to provide income.<br />Let us understand with an example how a corpus of Rs 2.85 Cr will not be sufficient if Mr Shah lives up to 70 years<br />In the below table I have assumed 5% inflation from 60th Year and return on investment at 8.5% if invested in a FD or Debt fund.</span></span></span><br />
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<table class="tableizer-table">
<thead>
<tr class="tableizer-firstrow"><th>Year </th><th>Corpus Generated </th><th>Income </th><th>Needs</th><th>Suprlus / Deficit</th></tr>
</thead><tbody>
<tr><td>61</td><td>28517899</td><td>2424021</td><td>2279521</td><td>144500</td></tr>
<tr><td>62</td><td>29943794</td><td>2424021</td><td>2495316</td><td>-71295</td></tr>
<tr><td>63</td><td>31440984</td><td>2424021</td><td>2620082</td><td>-196061</td></tr>
<tr><td>64</td><td>33013033</td><td>2424021</td><td>2751086</td><td>-327065</td></tr>
<tr><td>65</td><td>34663684</td><td>2424021</td><td>2888640</td><td>-464619</td></tr>
<tr><td>66</td><td>36396869</td><td>2424021</td><td>3033072</td><td>-609051</td></tr>
<tr><td>67</td><td>38216712</td><td>2424021</td><td>3184726</td><td>-760705</td></tr>
<tr><td>68</td><td>40127548</td><td>2424021</td><td>3343962</td><td>-919941</td></tr>
<tr><td>69</td><td>42133925</td><td>2424021</td><td>3511160</td><td>-1087139</td></tr>
<tr><td>70</td><td>44240621</td><td>2424021</td><td>3686718</td><td>-1262697</td></tr>
</tbody></table>
</span></span></span></div>
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">From the table is clearly seen that in 62nd year he will have to start erode his corpus. I have not factored high inflation which takes place once in a decade like we experienced in 2008-2009 recession.<br />The whole math would go haywire for Mr Shah, while his income is stagnant and his expenses are growing by every year passed even though he has the same standard of living.<br />This means that he would have to start using his corpus or lower his standard or a combination of both.It is a scary situation with no control over unfolding economic situation.<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: medium;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/06/best-equity-midcap-funds-to-invest-in-2016-for-long-term.html" target="_blank"><span style="color: red;">Best 3 Midcap Funds Churning Money For Investors</span></a></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">One cannot live with this situation but there is a solution for it. You need to factor in your expected life expectancy after retirement at the time of retirement planning with the annuity formula mentioned below <br />PVA = A * [ {(1+r)^n -1} / { r * (1+r)^n } ]<br />Where<br />PVA = Present value of Annuity (Amount you need to have at your retirement)<br />r= Rate of interest you expect to get<br />n = Number of years you want the Yearly Income.<br />or moneycontrol link <a href="http://www.moneycontrol.com/personal-finance/tools/retirement-planning-calculator.html" rel="nofollow" target="_blank">here</a> </span></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">From the above formula you would require 38453980 i.e approximate 3.85 Cr to live the same life up to 70 years.<br />If 3.8 cr is invested in bank FD of <a href="http://investkiyakya.blogspot.in/2016/06/liquid-funds-better-than-savings-bank-account.html" target="_blank">Liquid funds</a> generating an income of 8.5% per annum, you would be able to get a yearly payout of Rs 3,080,000 <span style="font-family: "arial" , "helvetica" , sans-serif;">vis a vis required payout of Rs </span></span></span></span><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">22,79,522. T<span style="font-family: "arial" , "helvetica" , sans-serif;">he su<span style="font-family: "arial" , "helvetica" , sans-serif;">rpl<span style="font-family: "arial" , "helvetica" , sans-serif;">us i<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">n<span style="font-family: "arial" , "helvetica" , sans-serif;"> <span style="font-family: "arial" , "helvetica" , sans-serif;">addition<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"> </span> to <span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">existing<span style="font-family: "arial" , "helvetica" , sans-serif;"> </span>corpus</span></span></span></span></span></span> again is re-invested at 8%<span style="font-family: "arial" , "helvetica" , sans-serif;">. </span></span></span></span></span></span></span></span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Let us do the maths now </span></span></span></span></span></span></span></span></span></span></span></span></span></div>
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><style type="text/css">
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<table class="tableizer-table">
<thead>
<tr class="tableizer-firstrow"><th>Year</th><th>Corpus + Surplus Reinvested </th><th>Needs (A)</th><th>Income (B)</th><th>Surplus/ Deficit ( C )</th></tr>
</thead><tbody>
<tr><td>61</td><td>38500000</td><td>2,279,521</td><td>3080000</td><td>800,479</td></tr>
<tr><td>62</td><td>39,300,479</td><td>2,393,497</td><td>3340540.715</td><td>947,044</td></tr>
<tr><td>63</td><td>40,247,523</td><td>2,513,172</td><td>3421039.427</td><td>907,868</td></tr>
<tr><td>64</td><td>41,155,390</td><td>2,638,830</td><td>3498208.166</td><td>859,378</td></tr>
<tr><td>65</td><td>42,014,768</td><td>2,770,772</td><td>3571255.268</td><td>800,483</td></tr>
<tr><td>66</td><td>42,815,251</td><td>2,909,311</td><td>3639296.344</td><td>729,986</td></tr>
<tr><td>67</td><td>43,545,237</td><td>3,054,776</td><td>3701345.13</td><td>646,569</td></tr>
<tr><td>68</td><td>44,191,806</td><td>3,207,515</td><td>3756303.493</td><td>548,789</td></tr>
<tr><td>69</td><td>44,740,594</td><td>3,367,891</td><td>3802950.518</td><td>435,060</td></tr>
<tr><td>70</td><td>45,175,654</td><td>3,536,285</td><td>3839930.602</td><td>303,645</td></tr>
<tr><td>71</td><td>45,479,299</td><td>3,713,100</td><td>3865740.457</td><td>152,641</td></tr>
<tr><td>72</td><td>45,631,940</td><td>3,898,754</td><td>3878714.937</td><td>-20,040</td></tr>
</tbody></table>
<span style="font-family: "arial" , "helvetica" , sans-serif;"></span></span></span></div>
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">From the above table <span style="font-family: "arial" , "helvetica" , sans-serif;">it would be easy to mana<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">ge</span> <span style="font-family: "arial" , "helvetica" , sans-serif;">mo<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">nthly</span> outflow till the age of 72<span style="font-family: "arial" , "helvetica" , sans-serif;">.</span></span></span></span></span></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">For those who have already reached their retirement age and there is not much that they can go back and do, there is still some room to fight this battle with inflation. You should have a right asset mix or a <a href="http://investkiyakya.blogspot.in/2016/07/what-is-diversification-and-a-diversified-investment-portfolio.html" target="_blank"><span style="font-family: "arial" , "helvetica" , sans-serif;">diversified portfolio</span></a>, which includes debt assets as well as growth-oriented assets. One, at this point, would definitely ask about the risks involved in the growth assets. I would say that the growth assets are less risky compared with inflation. Also, the risk involved in them reduces over a long-term horizon. This is definitely better then risking your corpus by the silent killer `inflation'.</span></span></span></span></span></span></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/07/top-5-elss-or-tax-saving-mutual-fund-to-invest.html" target="_blank"><span style="color: red;">Best ELSS Tax Savings Funds to Invest in India in 2016 for Long Term</span></a></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">There are several such assets that are likely to generate a return adjusted for inflation equity, growing annuity etc. One would also wonder with the kind of equity market volatility whether it would be a right asset class for the retired people who have a limited corpus. <br />I am reiterating that the volatility has very minimal effect in the long-term.<br /> </span></span></span></span></span></span></span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">One must understand the importance of 'inflation-beater' assets and should make them part of the overall portfolio both during the pre-retirement phase and retirement phase. <span style="font-family: "arial" , "helvetica" , sans-serif;"></span></span></span></span></span></span></span></span></span><br />
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com5tag:blogger.com,1999:blog-6554017070621975222.post-68321875208662836882016-07-30T11:43:00.001+05:302016-07-30T11:43:19.878+05:30Why Diversification in a must in portfolio<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><i>“Despite roller coaster ride of stock market, You can still make a killing on the bourses with the right mix of products and an investment horizon”</i></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">We
as human being usually plan everything in advance and with care, whether it is
going abroad for a vacation or planning for a new home. However, when it comes
to financial investing, many of us do not have a proper plan. And even if you
have a concrete plan, it is quite likely that he may not stick to it.</span></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhzSjea_gW77ue7ctOY1Otun-sTRjNaHANe_prsDPpGad1nukZ3IB0tSMqmPq4-WfK0VOj3gBKBAnQqC76F0LTWeU95BCS1dJVx6aQDsT9SoGvsI6B1iFPaT8S_r4OdK4I7WqKURjntBIC/s1600/what_is_diversification_and_a_diversified_investment_portfolio.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="What-is-Diversification-in-portfolio" border="0" height="273" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhzSjea_gW77ue7ctOY1Otun-sTRjNaHANe_prsDPpGad1nukZ3IB0tSMqmPq4-WfK0VOj3gBKBAnQqC76F0LTWeU95BCS1dJVx6aQDsT9SoGvsI6B1iFPaT8S_r4OdK4I7WqKURjntBIC/s400/what_is_diversification_and_a_diversified_investment_portfolio.jpg" title="What is Diversification in portfolio" width="400" /></a></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">This
is where hundreds of investors make a huge mistake. There are chances that you
will move out if there is weakness in the markets or redeem your investments
for the fear of a further downside in the equity markets.</span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">But
you must stay focused and stick to your plan to bear fruits of investments in
the future. Before entering into any financial investment like mutual funds,
insurance, tax planning or equity, you need to have a proper plan and enter
with a specific time frame in mind.</span></span></div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">
</span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">For
instance, if you need money after one year, you should clearly put money in
<span style="color: blue;"><a href="http://investkiyakya.blogspot.in/2016/06/liquid-funds-better-than-savings-bank-account.html" target="_blank">liquid or liquid plus funds</a></span> or if you have an investment horizon of 10 years,
you should invest only in equity diversified funds.</span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/07/real-estate-vs-mutual-funds-which-is-better-investment.html" target="_blank"><span style="color: red;">Why Real Estate is a Dull Investment Compared to Mutual Funds </span></a></span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b><span style="color: black;">DIVERSIFICATION IS A MUST IN PORTFOLIO</span></b></span></span></div>
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<br /></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: black;">Investment
diversification is a risk management strategy. If the portfolio is properly
diversified, you will have adequate risk-reward characteristics in your
portfolio.</span></span></span></div>
<span style="font-size: large;"><span style="color: black;"></span><div class="MsoNoSpacing">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: black;">Holding
onto one type of investment might have its own risks (like holding only
sectoral fund or mid- and small-cap fund). You should allocate some amount to
such products but only as a supplement to your main investments. The most basic
investment diversification strategy should include both investments - debt as
well as equity. Having some exposure to other categories like international
fund or balanced fund might be useful to you in volatile times.</span></span></div>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: black;">
</span></span><div class="MsoNoSpacing">
<br /></div>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: black;">
</span></span><div class="MsoNoSpacing">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: black;">This
investment diversification in mutual funds means that you as an investor is
able to obtain immediate access to hundreds of individual stocks or debt papers
with very minimum investments. If not mutual funds, you have to buy different
stocks and bonds in order to get sufficient diversification in their portfolios.</span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: black;">Please
bear in their mind that no matter how diversified their portfolio is, the risk
can never be completely eliminated. The most important point is to find a
medium between risk and returns.</span></span></div>
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<span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/06/best-equity-midcap-funds-to-invest-in-2016-for-long-term.html" target="_blank"><span style="color: red;">Best 3 Midcap Churning Money For Investors</span></a></span> </span></div>
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<span style="color: black;"><b>TIME HORIZON</b><br /><br /><span style="font-family: "arial" , "helvetica" , sans-serif;">One of the integral elements that should be taken into consideration is the time horizon for which investments need to be held. Many times you are unaware of the product you invest in. This in turn reduces your overall returns. </span><br /><br /><span style="font-family: "arial" , "helvetica" , sans-serif;">If you are looking for safety and less volatility in your portfolios, opt for debt schemes or if you are a senior citizen looking for streams of income should invest in <span style="color: blue;"><a href="http://investkiyakya.blogspot.in/2016/06/monthly-income-plans-in-mutual-funds.html" target="_blank">monthly income plans</a></span> (MIPs). </span><br /><br /><span style="font-family: "arial" , "helvetica" , sans-serif;">Once debt funds are in trouble, you should always remain careful and your investment portfolios should be actively managed depending upon the views on interest rates. If you have chalked out your investment horizon, the next step should be <span style="color: blue;"><a href="http://investkiyakya.blogspot.in/2016/05/how-to-select-mutual-fund-for-portfolio.html" target="_blank">selecting funds in your portfolio</a></span>. </span><br /><br /><span style="font-family: "arial" , "helvetica" , sans-serif;">As said earlier individuals should always invest with a time horizon. If you are unsure about it, then invest in equity funds through <span style="color: blue;"><a href="http://investkiyakya.blogspot.in/2016/06/benefits-of-systematic-investment-plans.html" target="_blank">systematic investment plans</a></span> (SIPs).</span></span></div>
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<span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/05/best-sip-mutual-funds-long-term-2016.html" target="_blank"><span style="color: red;">Top 3 Large Cap Funds to Invest in 2016 via SIP For Long Term Wealth Creation</span></a></span></span></div>
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<span style="color: black;"><br /><b>DON’T BE GREEDY FOR SHORT-TERM RETURNS</b><br /><span style="font-family: "arial" , "helvetica" , sans-serif;"><br />In the investment world, all of us have to take few risks to generate better returns, going forward. But generally anyone who goes for short-term returns or even high returns in a short time frame tends to lose money.<br /><br />Greed is one of the many evils in financial investment and, therefore, you should not invest in thematic funds or small-cap funds for a shorter duration.<br /><br />No matter how big the returns are, there are many investors who put all their investments in the same basket (for example, all systematic investment plans are in one fund or in different schemes of the same fund house), which is also a huge risk. <br /><br />You have to spread your money across different financial investments and different time frames to reduce the chance of losing money. This exercise would also ensure that risks are reduced even if there is fluctuation in returns without sacrificing on future gains.</span></span></div>
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<span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/07/top-5-elss-or-tax-saving-mutual-fund-to-invest.html" target="_blank"><span style="color: red;">Top 3 ELSS TAX Savings Funds for SIP in INDIA</span></a> </span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: black;"><b>PROPER ASSET ALLOCATION</b><br /><br />After all the above considerations, next step in building a portfolio should be proper asset allocation within the portfolio. In mutual funds, asset allocations are of two parts. <br /><br />One is regarding how much you need to allocate between equity and debt. While at the micro level, one needs to decide what kind of funds will suite his/her investment profile (aggressive investors look for mid- and small-cap funds, while conservative investors go for a balanced scheme). <br /> </span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: black;">The most important rule of asset allocation is to match investment time frame with the expected life span of the fund. </span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: black;">Say for example, if you want to invest some amount for one year, you should blindly go in for liquid or liquid plus funds. But the thumb rule suggests that the money that is needed within the next three-five years must be in debt funds and anything that you want to invest in for over five years should be in equity funds (which can be diversified equity funds or mid- and small-cap funds).</span></span><span style="color: black;"><br /></span><!--[if gte mso 9]><xml>
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WITH SIMPLE INVESTMENTS</b></span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">There are hundreds of equity schemes in the country and there are many among them, which are difficult for retail investors to understand. There are some arbitrage funds or P/E ratio funds or even asset allocation funds, which can also be considered for investment purposes.<br /><br />However, these categories of funds are only meant for seasoned investors and those who know the risks of investing in such products. It is believed that investments for retail investors should remain as simple and hassle-free as possible.<br /><br />Even in terms of returns if we look at longer duration, pure diversified equity funds have delivered much better returns compared to such thematic funds.<br /><br />In financial investment, one should stick to their fund and investment horizon to reap better returns over a longer period of time. A retail investor’s portfolio should have few simple products, realistic investment expectations and a decent time frame for the money to grow. If all this is done properly, one can have positive results over a longer time frame.</span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/05/how-much-insurance-do-i-need.html" target="_blank"><span style="color: red;">How Much Insurance Do You Need ?</span></a></span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>GOAL-ORIENTED PORTFOLIOS</b><br /><br />Each one of us wants to go on an international vacation or retire early or better still have continuous income in the working life. These are just a few of the many goals you may have from your investments and some objectives change as life moves on.<br /><br />So, for retirement 35-year-old investors should start investing in systematic investment plans (SIPs) in large and mid-cap funds. Say for their daughter’s marriage, you should select a product that has equity and gold component.<br /><br />Retired investors seeking monthly income should invest in monthly income plans (MIPs) or even post office monthly income schemes, which can protect the capital that they have invested in. <br /><br />Long-term funds should be in diversified equity funds and emergency fund should be invested in liquid funds. Such implementation allows clear thinking about each goal, supported by investments, which will be able to meet that particular goal in the future.</span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/06/term-insurance-policy-for-60-years.html" target="_blank"><span style="color: red;">Why Term Insurance Policy is required till 60 years of age ?</span></a></span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>CHECKS BEFORE INVESTING</b><br /><br />Return on investment is the amount of money you receive as compared to the amount you have invested in. While risk is the probability that your investment will gain or lose money, before investing, you also need to consider your own risk tolerance and your ability to absorb a loss.<br /><br />In general terms, higher the risk, higher is the profit on an investment. Risk is attached to each and every financial instrument. So, you need to identify risk and returns according to your investment profile.<br /><br />Investments in many securities come with a degree of risk and if returns are not in proportion with the risks taken, then it is not worth investing in.<br /><br />Risk-adjusted returns are calculated against returns given by a risk-free instrument, which is a usually government-backed debt paper or term deposits of banks. A superior mutual fund is one which gives better returns than others for the same kind of risk taken.</span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/06/Insurance-policies-for-women.html" target="_blank"><span style="color: red;">5 Must Have Insurance Policies for Modern Women</span></a></span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>CONTINUOUS REVIEW AND ANALYSIS</b><br /><br />There are several investors whose investments are lying in cold storage since many years. They have either stopped their investments or have not tracked them for years. There are even those investors who have dozens of funds overlapping other funds. While some have merged, others have closed down. But this is not the way to run a portfolio. You must review and analyze their portfolios once or twice every six months.<br /><br />One of the best yardsticks to analyze a portfolio is to look at long-terms returns. Many times some good quality funds underperform in the market. You should never redeem your investments by looking at short-term returns.<br /><br />Look at the rating of the schemes, whether they have improved or fared badly. If during the exercise you find that your investment is continuously giving negative returns over the past few years, you should immediately move out and invest in other well-rated equity or debt funds.</span></span></div>
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<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: medium;"><b>Bottom
Line</b></span></span></span></div>
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<span style="font-family: Arial,Helvetica,sans-serif;">For
some investors, emotions often get in the way of the investments, but one has
to keep emotions at bay in such matters. Sentiments have a dominant influence
when it comes to your money. But do not let them lead you away from a good
long-term investment plan.</span><br />
<br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">Mutual Funds & Insurance Related Articles :-</span>
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com6tag:blogger.com,1999:blog-6554017070621975222.post-43995049511918921052016-07-19T00:35:00.000+05:302017-07-14T20:56:38.388+05:30Real Estate vs Mutual Funds-Which is Better Investments?<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">Mutual Funds Vs Real Estate is a very interesting question that seems to haunt most of the 20+ and 30+ somethings (including yours truly). My answer to your question is both.<br /><br />Real Estate is seriously long term where your minimum term may be around 10-20 years before you make some serious money of it. Only in a very specific cases, there is appreciation in short term, but <span style="font-family: "arial" , "helvetica" , sans-serif;">that's</span> a minority. If you are talking about serious money, then you need to bide your time.<br /><br />One rejoinder to the above point is that when we talk of Real Estate, we should be talking of investment and not the appreciation that the flat (where one resides) undergoes. That's paper money and can't/shouldn't be liquidated. What good is a investment if one doesn't have a roof over the head?<br /><br />MF is good in short, medium and long term. The advantage of MF is it's adaptability (it's not easy to sell one site and buy another as compared to selling one MF and buying another), Liquidity and ease of operation. </span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">Since <span style="font-family: "arial" , "helvetica" , sans-serif;">whether to invest in mutual funds or real estate was <span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">daunting</span> me also </span></span>I wanted to<span style="font-family: "arial" , "helvetica" , sans-serif;"> write a<span style="font-family: "arial" , "helvetica" , sans-serif;">bout <span style="font-family: "arial" , "helvetica" , sans-serif;">it from</span><span style="font-family: "arial" , "helvetica" , sans-serif;"> a long <span style="font-family: "arial" , "helvetica" , sans-serif;">time and 2 thi<span style="font-family: "arial" , "helvetica" , sans-serif;">ng<span style="font-family: "arial" , "helvetica" , sans-serif;">s </span>suddenly happen<span style="font-family: "arial" , "helvetica" , sans-serif;">ed in a wee<span style="font-family: "arial" , "helvetica" , sans-serif;">k which made me write th<span style="font-family: "arial" , "helvetica" , sans-serif;">i<span style="font-family: "arial" , "helvetica" , sans-serif;">s po<span style="font-family: "arial" , "helvetica" , sans-serif;">st , <span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">first<span style="font-family: "arial" , "helvetica" , sans-serif;">, </span></span>one of my reader suggested to me to write an article on <span style="font-family: "arial" , "helvetica" , sans-serif;">mutual funds vs real es<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">tate</span> and second </span></span></span></span></span></span></span></span></span></span></span></span>is<span style="font-family: "arial" , "helvetica" , sans-serif;"> <span style="font-family: "arial" , "helvetica" , sans-serif;">i wanted to change the<span style="font-family: "arial" , "helvetica" , sans-serif;"> <span style="font-family: "arial" , "helvetica" , sans-serif;">perception</span><span style="font-family: "arial" , "helvetica" , sans-serif;"> of <span style="font-family: "arial" , "helvetica" , sans-serif;">investors</span> that real <span style="font-family: "arial" , "helvetica" , sans-serif;">estate i<span style="font-family: "arial" , "helvetica" , sans-serif;">s best investment which i realized after having conversation with one of my friend<span style="font-family: "arial" , "helvetica" , sans-serif;">.</span></span></span></span></span></span></span></span></span></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgH34m0jefZ4rD0-6QDC1-vMjsSEUnVuakDGWh3WPZcrut3vEMxkIYxAEyEg8L9wmHNPZcLsUhqvn6y74DR0NlVVNhox6DpPCMt7GYJmJTqgz92C9u4jQDIWXNI-18DK728PW0ZBwr0kIVP/s1600/mutual+funds+vs+real+estate.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="mutual-funds-vs-real-estate" border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgH34m0jefZ4rD0-6QDC1-vMjsSEUnVuakDGWh3WPZcrut3vEMxkIYxAEyEg8L9wmHNPZcLsUhqvn6y74DR0NlVVNhox6DpPCMt7GYJmJTqgz92C9u4jQDIWXNI-18DK728PW0ZBwr0kIVP/s400/mutual+funds+vs+real+estate.png" title="mutual funds vs real estate" width="400" /></a></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">I</span>f you’re in your twenties or thirties, it makes more sense to
invest in equity or balanced mutual funds instead. Not convinced? Here’s
why. </span></span></span></span></span></span></span></span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">So h<span style="font-family: "arial" , "helvetica" , sans-serif;">ere is<span style="font-family: "arial" , "helvetica" , sans-serif;"> what <span style="font-family: "arial" , "helvetica" , sans-serif;">happened in last week of <span style="font-family: "arial" , "helvetica" , sans-serif;">mon<span style="font-family: "arial" , "helvetica" , sans-serif;">th of <span style="font-family: "arial" , "helvetica" , sans-serif;">J</span>une 201<span style="font-family: "arial" , "helvetica" , sans-serif;">6 which made me <span style="font-family: "arial" , "helvetica" , sans-serif;">write this <span style="font-family: "arial" , "helvetica" , sans-serif;">post.</span></span></span></span></span></span></span></span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">One of my close friend staying in my locality in western Suburbs of Mumbai<span style="font-family: "arial" , "helvetica" , sans-serif;"> <span style="font-family: "arial" , "helvetica" , sans-serif;">named </span></span>Borivali West(It could be any locality the pick <span style="font-family: "arial" , "helvetica" , sans-serif;">one and compared <span style="font-family: "arial" , "helvetica" , sans-serif;">it with MF)</span></span> ,was discussing how he purchased his 2BHK (<span style="font-family: "arial" , "helvetica" , sans-serif;">985</span> Sq Ft<span style="font-family: "arial" , "helvetica" , sans-serif;">) </span>flat at<span style="font-family: "arial" , "helvetica" , sans-serif;"> Rs <span style="font-family: "arial" , "helvetica" , sans-serif;">85</span> <span style="font-family: "arial" , "helvetica" , sans-serif;">Lakhs (<span style="font-family: "arial" , "helvetica" , sans-serif;">78</span> Lakhs Price + <span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">7</span> Lakhs Including Sta<span style="font-family: "arial" , "helvetica" , sans-serif;">mp Duty, Registration <span style="font-family: "arial" , "helvetica" , sans-serif;">fees, brokerag<span style="font-family: "arial" , "helvetica" , sans-serif;">e etc) </span></span></span></span> way back in 2008 and <span style="font-family: "arial" , "helvetica" , sans-serif;">the best <span style="font-family: "arial" , "helvetica" , sans-serif;">part (according to him) <span style="font-family: "arial" , "helvetica" , sans-serif;">was</span></span></span></span><span style="font-family: "arial" , "helvetica" , sans-serif;"> "<span style="font-family: "arial" , "helvetica" , sans-serif;">His flat is now worth Rs 1.<span style="font-family: "arial" , "helvetica" , sans-serif;">65</span> Cr and his investment has given him dou<span style="font-family: "arial" , "helvetica" , sans-serif;">ble the returns in 8 years".</span></span></span></span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQb50pcbCE7GBWLPfxITeGGzfnr0RcKaK8LSyFKNtrhZQ02Sr_70-kDJd_Y91N-TmZPI8EmXrAIwn_ueLsrrDooH6_BRfdb02X51pID-Xl0D_fTQNy3aVUEPogQB-x4vSTWjIpHhEV05x4/s1600/CAGR.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="131" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQb50pcbCE7GBWLPfxITeGGzfnr0RcKaK8LSyFKNtrhZQ02Sr_70-kDJd_Y91N-TmZPI8EmXrAIwn_ueLsrrDooH6_BRfdb02X51pID-Xl0D_fTQNy3aVUEPogQB-x4vSTWjIpHhEV05x4/s400/CAGR.jpg" width="400" /></a></span></span></span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">You w<span style="font-family: "arial" , "helvetica" , sans-serif;">ill</span> find many <span style="font-family: "arial" , "helvetica" , sans-serif;">idiots like <span style="font-family: "arial" , "helvetica" , sans-serif;">him </span><span style="font-family: "arial" , "helvetica" , sans-serif;">who simply calculates the ret<span style="font-family: "arial" , "helvetica" , sans-serif;">urns <span style="font-family: "arial" , "helvetica" , sans-serif;">on point to p<span style="font-family: "arial" , "helvetica" , sans-serif;">oint basis and not in terms of CAGR. If you calculate the returns in CAGR it is hardly 8.64<span style="font-family: "arial" , "helvetica" , sans-serif;">%.(see<span style="font-family: "arial" , "helvetica" , sans-serif;"> image above)</span></span></span></span></span></span></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"> </span></span></span></span></span></span></span></span></span></span></span><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"> </span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/05/best-sip-mutual-funds-long-term-2016.html" target="_blank"><span style="color: red;">Top 3 Large Cap Fund to Invest in 2016 via SIP</span></a></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Afte<span style="font-family: "arial" , "helvetica" , sans-serif;">r the explanation of</span></span><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"> CAGR<span style="font-family: "arial" , "helvetica" , sans-serif;">, </span>he was surprised to see that in terms of returns i<span style="font-family: "arial" , "helvetica" , sans-serif;">t is very less<span style="font-family: "arial" , "helvetica" , sans-serif;"> but s<span style="font-family: "arial" , "helvetica" , sans-serif;">till</span> he <span style="font-family: "arial" , "helvetica" , sans-serif;">stood on his argument</span>. On further digging i came to know that he took a home lo<span style="font-family: "arial" , "helvetica" , sans-serif;">an of Rs 4<span style="font-family: "arial" , "helvetica" , sans-serif;">5</span> lakhs and paid Rs 4<span style="font-family: "arial" , "helvetica" , sans-serif;">0</span> lakhs from hi<span style="font-family: "arial" , "helvetica" , sans-serif;">s<span style="font-family: "arial" , "helvetica" , sans-serif;"> savings in orde<span style="font-family: "arial" , "helvetica" , sans-serif;">r to buy his ho<span style="font-family: "arial" , "helvetica" , sans-serif;">me<span style="font-family: "arial" , "helvetica" , sans-serif;">.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">It was the home in which <span style="font-family: "arial" , "helvetica" , sans-serif;">he was staying so b<span style="font-family: "arial" , "helvetica" , sans-serif;">y no means it can be cons<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">idered</span> as an invest<span style="font-family: "arial" , "helvetica" , sans-serif;">ment<span style="font-family: "arial" , "helvetica" , sans-serif;">.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">We both literally went into a tussle to prove our poi<span style="font-family: "arial" , "helvetica" , sans-serif;">nt,</span> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">He was<span style="font-family: "arial" , "helvetica" , sans-serif;"> of the opinion that Investing in Real Estate Vs Mutual Fund was <span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">better</span> and i<span style="font-family: "arial" , "helvetica" , sans-serif;"> was of the opinion that investing in Mutual Funds Vs <span style="font-family: "arial" , "helvetica" , sans-serif;">Real Estate was better<span style="font-family: "arial" , "helvetica" , sans-serif;">.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">With all facts and figures<span style="font-family: "arial" , "helvetica" , sans-serif;"> on tables finally i won<span style="font-family: "arial" , "helvetica" , sans-serif;"> the argu<span style="font-family: "arial" , "helvetica" , sans-serif;">ment which is listed below which <span style="font-family: "arial" , "helvetica" , sans-serif;">was an eye opener for me and it may be for you.</span><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
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<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Sou<span style="font-family: "arial" , "helvetica" , sans-serif;">rce : Magicbricks.com</span></span></td></tr>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">The above images</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span> shows th<span style="font-family: "arial" , "helvetica" , sans-serif;">e pri<span style="font-family: "arial" , "helvetica" , sans-serif;">ce trends <span style="font-family: "arial" , "helvetica" , sans-serif;">in Borivali West locality in M<span style="font-family: "arial" , "helvetica" , sans-serif;">umbai from <span style="font-family: "arial" , "helvetica" , sans-serif;">Jan-Mar 2008 till Apr-Jun 2016.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">In the first image prices were hover<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">ing</span> around 8000 Rs per Sq feet in 2008 and in 2016 it is near about 18000 per Sq Ft<span style="font-family: "arial" , "helvetica" , sans-serif;">.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Be<span style="font-family: "arial" , "helvetica" , sans-serif;">low is the interest ca<span style="font-family: "arial" , "helvetica" , sans-serif;">lculation for <span style="font-family: "arial" , "helvetica" , sans-serif;">home</span> l<span style="font-family: "arial" , "helvetica" , sans-serif;">oan of Rs 45 <span style="font-family: "arial" , "helvetica" , sans-serif;">Lak<span style="font-family: "arial" , "helvetica" , sans-serif;">hs<span style="font-family: "arial" , "helvetica" , sans-serif;"> at 1<span style="font-family: "arial" , "helvetica" , sans-serif;">0.5%</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">As on Jul 2016 h<span style="font-family: "arial" , "helvetica" , sans-serif;">is outstanding loan is 35<span style="font-family: "arial" , "helvetica" , sans-serif;">,78,000<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"> and </span>he got tax exemption of 2,00,000 from Interest which can be claimed as a deduction under Section 24<span style="font-family: "arial" , "helvetica" , sans-serif;"> </span>(Rs. 150000/- up to A.Y. 2014-15)<span style="font-family: "arial" , "helvetica" , sans-serif;">.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Since <span style="font-family: "arial" , "helvetica" , sans-serif;">I selected Equity Linked Savings Funds the interes<span style="font-family: "arial" , "helvetica" , sans-serif;">t which he<span style="font-family: "arial" , "helvetica" , sans-serif;"> claimed in Section 24 <span style="font-family: "arial" , "helvetica" , sans-serif;">does not have an impact in my <span style="font-family: "arial" , "helvetica" , sans-serif;">MF calculation , this is the only area where he gets an upper han<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">d.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-size: medium;"><span style="font-size: large;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/06/best-equity-midcap-funds-to-invest-in-2016-for-long-term.html" target="_blank"><span style="color: red;">Best 3 Midcap Churning Money For Investors</span></a></span></span></span> </span> </span> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Let <span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">me</span> be<span style="font-family: "arial" , "helvetica" , sans-serif;">gin<span style="font-family: "arial" , "helvetica" , sans-serif;"> with the<span style="font-family: "arial" , "helvetica" , sans-serif;"> investment strategy sugg<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">ested</span> by me <span style="font-family: "arial" , "helvetica" , sans-serif;">which is a <span style="font-family: "arial" , "helvetica" , sans-serif;">mixture of <a href="http://investkiyakya.blogspot.in/2016/06/what-is-systematic-transfer-plan.html" target="_blank"><span style="color: red;">S</span></a><span style="font-family: "arial" , "helvetica" , sans-serif;"><a href="http://investkiyakya.blogspot.in/2016/06/what-is-systematic-transfer-plan.html" target="_blank"><span style="color: red;">TP</span></a> & <a href="http://investkiyakya.blogspot.in/2016/06/benefits-of-systematic-investment-plans.html" target="_blank"><span style="color: red;">SIP</span></a> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Since <span style="font-family: "arial" , "helvetica" , sans-serif;">he ha<span style="font-family: "arial" , "helvetica" , sans-serif;">d</span> 40 Lakhs as his investment at the time of purchas<span style="font-family: "arial" , "helvetica" , sans-serif;">ing the ho<span style="font-family: "arial" , "helvetica" , sans-serif;">me </span></span>it was decided to transfe<span style="font-family: "arial" , "helvetica" , sans-serif;">r the amount in Birla Sun<span style="font-family: "arial" , "helvetica" , sans-serif;">life <span style="font-family: "arial" , "helvetica" , sans-serif;">Cash Pl<span style="font-family: "arial" , "helvetica" , sans-serif;">us liquid f<span style="font-family: "arial" , "helvetica" , sans-serif;">und and <span style="font-family: "arial" , "helvetica" , sans-serif;">a<span style="font-family: "arial" , "helvetica" , sans-serif;"> <a href="http://investkiyakya.blogspot.in/2016/06/what-is-systematic-transfer-plan.html" target="_blank"><span style="color: red;">STP</span></a> amount of Rs 40000 to B<span style="font-family: "arial" , "helvetica" , sans-serif;">irla Sun Life Tax Plan<span style="font-family: "arial" , "helvetica" , sans-serif;">.<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"> (</span>I would have selected Axis Long Term Equity ELSS fund but in order to create a realistic scenario BSL<span style="font-family: "arial" , "helvetica" , sans-serif;"> Tax Plan</span> was <span style="font-family: "arial" , "helvetica" , sans-serif;">taken as it ha<span style="font-family: "arial" , "helvetica" , sans-serif;">s given moderate returns.</span></span>)</span></span></span></span></span></span></span></span></span></span></span> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Transferor Scheme : Birla Sun Life Cash Plus - Growth </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Transferee Scheme : Birla Sun Life Tax Plan - Growth Option</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">On<span style="font-family: "arial" , "helvetica" , sans-serif;">e Time Invested Amount : Rs 4<span style="font-family: "arial" , "helvetica" , sans-serif;">0</span> Lakhs</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><a href="http://investkiyakya.blogspot.in/2016/06/what-is-systematic-transfer-plan.html" target="_blank"><span style="color: red;">STP</span></a> Fir<span style="font-family: "arial" , "helvetica" , sans-serif;">st Dat<span style="font-family: "arial" , "helvetica" , sans-serif;">e : </span></span>25th of every <span style="font-family: "arial" , "helvetica" , sans-serif;">month from 25<span style="font-family: "arial" , "helvetica" , sans-serif;">-03-2008<span style="font-family: "arial" , "helvetica" , sans-serif;"> t<span style="font-family: "arial" , "helvetica" , sans-serif;">ill <span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">17/07/2016</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div>
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Transfer Amount : Rs 40000</span> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Calculations a<span style="font-family: "arial" , "helvetica" , sans-serif;">re shown in the image below </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEMkZ7nB2TnMaAmye9Wz7-r-X12zsxzV3hN7yQfCkYhc25hpNNMmD75sRX9ayP0x_fefgb7FM9y3oFE0NxYwwgww6DoD6ENA7Nrmyh89ssemZRXG5rMnSZNO4MNYNyo4OrJP6WGghyWves/s1600/STP+returns.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="real-estate-vs-mutual-funds " border="0" height="332" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEMkZ7nB2TnMaAmye9Wz7-r-X12zsxzV3hN7yQfCkYhc25hpNNMmD75sRX9ayP0x_fefgb7FM9y3oFE0NxYwwgww6DoD6ENA7Nrmyh89ssemZRXG5rMnSZNO4MNYNyo4OrJP6WGghyWves/s640/STP+returns.jpg" title="real estate vs mutual funds " width="640" /></a></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">By Investing Rs 40 Lakhs in 2008 in<span style="font-family: "arial" , "helvetica" , sans-serif;"> <a href="http://investkiyakya.blogspot.in/2016/06/what-is-systematic-transfer-plan.html" target="_blank"><span style="color: red;">STP</span></a> your <span style="font-family: "arial" , "helvetica" , sans-serif;">money would have grown to Rs 99.37 Lakhs in 2016 at a CAGR of 12.<span style="font-family: "arial" , "helvetica" , sans-serif;">05% </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">On the other hand since he had a loan of Rs 45 Lakhs an<span style="font-family: "arial" , "helvetica" , sans-serif;">d an EMI of Rs 40000 </span>it was suggested that <span style="font-family: "arial" , "helvetica" , sans-serif;">he remain<span style="font-family: "arial" , "helvetica" , sans-serif;"> in<span style="font-family: "arial" , "helvetica" , sans-serif;">vested via <a href="http://investkiyakya.blogspot.in/2016/06/benefits-of-systematic-investment-plans.html" target="_blank"><span style="color: red;">SIP</span></a> in Lar<span style="font-family: "arial" , "helvetica" , sans-serif;">ge Cap fund of HDFC Top 200 <span style="font-family: "arial" , "helvetica" , sans-serif;">for Rs 40000 a mont<span style="font-family: "arial" , "helvetica" , sans-serif;">h. T<span style="font-family: "arial" , "helvetica" , sans-serif;">he reason for selection of <span style="font-family: "arial" , "helvetica" , sans-serif;">HDFC Top 200 is because<span style="font-family: "arial" , "helvetica" , sans-serif;"> it was </span></span></span></span>one the <span style="font-family: "arial" , "helvetica" , sans-serif;">best fund <span style="font-family: "arial" , "helvetica" , sans-serif;">recommended by most of the MF<span style="font-family: "arial" , "helvetica" , sans-serif;"> d<span style="font-family: "arial" , "helvetica" , sans-serif;">istributors.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHJlv5fXPbLnolIEDFvnv4fsL61yxWEYmfgtQ0OWS7g_P07vVAF0nmRHiUljzFjA8LkiUdUwHofQtJ9NfmHTBma8mmtwYbGcSX7xdS35bdZu4KrV9NmUXNLRzGh6P2NPAci4mfpk2ALgpZ/s1600/hdfctop200.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="112" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHJlv5fXPbLnolIEDFvnv4fsL61yxWEYmfgtQ0OWS7g_P07vVAF0nmRHiUljzFjA8LkiUdUwHofQtJ9NfmHTBma8mmtwYbGcSX7xdS35bdZu4KrV9NmUXNLRzGh6P2NPAci4mfpk2ALgpZ/s640/hdfctop200.png" width="640" /></a></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><a href="http://investkiyakya.blogspot.in/2016/06/benefits-of-systematic-investment-plans.html" target="_blank"><span style="color: red;"><span style="font-family: "arial" , "helvetica" , sans-serif;">SIP</span></span></a> of Rs 40000 <span style="font-family: "arial" , "helvetica" , sans-serif;">invested <span style="font-family: "arial" , "helvetica" , sans-serif;">from 2<span style="font-family: "arial" , "helvetica" , sans-serif;">5-03-2008 till today dat<span style="font-family: "arial" , "helvetica" , sans-serif;">e </span></span></span>would have grown to 73.39 Lakhs compared to an investment of Rs 40 Lakhs</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">So lets do the maths now </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><a href="http://investkiyakya.blogspot.in/2016/06/what-is-systematic-transfer-plan.html" target="_blank"><span style="color: red;">STP</span></a> <span style="font-family: "arial" , "helvetica" , sans-serif;">on<span style="font-family: "arial" , "helvetica" , sans-serif;">e t<span style="font-family: "arial" , "helvetica" , sans-serif;">ime investment </span></span></span><span style="font-family: "arial" , "helvetica" , sans-serif;">: Rs 4<span style="font-family: "arial" , "helvetica" , sans-serif;">0<span style="font-family: "arial" , "helvetica" , sans-serif;"> Lakhs </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><a href="http://investkiyakya.blogspot.in/2016/06/benefits-of-systematic-investment-plans.html" target="_blank"><span style="color: red;">S</span></a><span style="font-family: "arial" , "helvetica" , sans-serif;"><a href="http://investkiyakya.blogspot.in/2016/06/benefits-of-systematic-investment-plans.html" target="_blank"><span style="color: red;">IP</span></a> Invest<span style="font-family: "arial" , "helvetica" , sans-serif;">ed amount : Rs 40 Lakhs </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Total : Rs 80 Lakhs </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"> </span></span> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><a href="http://investkiyakya.blogspot.in/2016/06/what-is-systematic-transfer-plan.html" target="_blank"><span style="color: red;">STP</span></a> amount as on <span style="font-family: "arial" , "helvetica" , sans-serif;">17/07/2016</span> <span style="font-family: "arial" , "helvetica" , sans-serif;">: Rs 99.<span style="font-family: "arial" , "helvetica" , sans-serif;">37 Lakhs </span></span> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><a href="http://investkiyakya.blogspot.in/2016/06/benefits-of-systematic-investment-plans.html" target="_blank"><span style="color: red;">SIP</span></a> Am<span style="font-family: "arial" , "helvetica" , sans-serif;">ount as on </span>17/07/2016 : Rs 73.40 Lakhs</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<b><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Total : 1<span style="font-family: "arial" , "helvetica" , sans-serif;"> Crore & 72 Lakhs </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></b><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Wealth generated from these 8 years would be enough to buy an apartment in our area (may be in your area) and </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<b><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">the best part is without any home loan. </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></b><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Still my friend is paying outstanding home loan of Rs 35.78 Lakhs with interest. </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">We middle class people end up paying <span style="font-family: "arial" , "helvetica" , sans-serif;">home loan for 20 years,<span style="font-family: "arial" , "helvetica" , sans-serif;">at</span> the end of<span style="font-family: "arial" , "helvetica" , sans-serif;"> our life all we have is a just a home<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"> and then </span>again a<span style="font-family: "arial" , "helvetica" , sans-serif;">n educational loan f<span style="font-family: "arial" , "helvetica" , sans-serif;">or our children<span style="font-family: "arial" , "helvetica" , sans-serif;">.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">We should <span style="font-family: "arial" , "helvetica" , sans-serif;">have enough money <span style="font-family: "arial" , "helvetica" , sans-serif;">that bank should come to us for <span style="font-family: "arial" , "helvetica" , sans-serif;">deposits rather we going to bank for loans </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-size: medium;"><span style="font-size: large;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/07/top-5-elss-or-tax-saving-mutual-fund-to-invest.html" target="_blank"><span style="color: red;">Best ELSS Tax Savings Funds to Invest in India in 2016 for Long Term</span></a></span></span></span></span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b></b></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b></b></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
<div class="body">
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>But <span style="font-family: "arial" , "helvetica" , sans-serif;">you will save you have</span> never heard of anyone who became a millionaire by investing in equity funds.</b></span></span></span></span></span></span></span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Because
mutual fund NAVs are available to you on a daily basis, there’s a
temptation to over-trade. Most people who haven’t made money on equity
funds are those who haven’t stayed on for ten years or more. They’ve
bought funds, sold them and bought them again trying to time markets.</span></span></span></span></span></span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">
If you did the same with property investments (they have cycles too)
you would lose money. Even long-term investors in equity funds invest
too little in them. </span></span></span></span></span></span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>IN A NUTSHELL</b></span> </span></span></span></span></span></span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">It is now knownn that the Indian property market attracts a lot of cash money and with the government's new anti-black money initiatives in place, the property market is going to be further impacted. This makes investing in financial assets such as mutual funds increasingly attractive; not only can you invest with maximum convenience (sitting at your computer and hitting a few keys to initiate the investment), mutual funds have the potential to offer attractive investment returns thereby helping you build your wealth. </span></span></span></span></span></span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Apart from the above,
once you sign up for a home loan, you can’t vary your EMI or stop
paying it, if the property doesn’t appreciate or if you quit your job. </span></span></span></span></span></span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">With an SIP, you can <span style="font-family: "arial" , "helvetica" , sans-serif;">redeem them</span> in an emergency.</span></span></span></span></span></span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Buying a home for the first time or investment in real estate is truly a personal choice<span style="font-family: "arial" , "helvetica" , sans-serif;">.</span></span></span></span></span></span></span></span></span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Awaiting for your comments my friends</span></span></span></span></span></span></span></span></div>
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<span style="font-size: large;"><span><b>About the author</b></span><br />
<span>Vipul is a software sales professional for Asset Management Companies, Pension Fund and Stock Brokers from last 16 years.</span><span> </span><br />
<br />
<span>Vipul believes that the amount of
financial information flowing our way is probably 10 times more than
what it used to be 15 to 20 years back due to the advent of newer forms
of communication.</span><br />
<span>All this information is creating an
information overload in the minds of individuals resulting in analysis
paralysis and he helps them select the right decision while creating a
Goal based financial plan.</span><br />
<span>In case if you need a Financial Plan please connect to him on vipuls1979@gmail.com</span></span></div>
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<span style="font-size: medium;"></span><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"> </span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">Mutual Funds & Insurance Related Articles :-</span>
</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br /><span style="font-size: medium;"></span><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com8tag:blogger.com,1999:blog-6554017070621975222.post-21742131439446089282016-07-18T13:29:00.000+05:302016-07-19T00:12:19.156+05:30Large Cap Funds are Safer and Stable : A Must for Wealth Creation <div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><i>Large Cap Funds are safer and provide stability and must, therefore be considered for wealth creations by you.</i> </span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">It is a known phenomenon that large-cap funds provide stability and weather hostile economic conditions.<br />You too recognize that large caps are safer and provide stability to their portfolios for wealth creation.<br />Even financial planners ask investors to make large-cap funds an integral part of their portfolios - ahead of mid-cap and small-cap funds.</span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><br />Typically, during volatile times when growth is subdued, large-cap funds or even stocks provide cushion as they constitute companies with established businesses, strong revenues and hike in market share. If we dig data, we will find that several large-cap funds have delivered returns in the range of 5% to 10%, whereas equity markets have given returns of hardly 1.5%. This shows that many large-cap funds have withstood unstable times.</span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">However, it must be noted that large-cap funds have always remained competitive against midcap and small-cap funds along with multi-cap funds over the last few years. In the last 10 years, on an average large-cap funds have delivered returns of 11.5% while small-cap and mid-cap funds have given returns of 15.7% and 16.4%, respectively in the same time frame.</span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">The important factor for you to consider is that you should not fall for returns of mid cap and small-cap funds as they tend to fall more than large-cap funds in bear markets.</span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><br /></span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">This article explains you important aspects of investing in large-cap funds and staying invested in them during volatile market conditions to emerge victorious.</span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/05/best-sip-mutual-funds-long-term-2016.html" target="_blank"><span style="color: red;">Top 3 Large Cap Fund to Invest in 2016 via SIP</span></a> </span></span></div>
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<span style="font-size: large;"><b>WHY INVEST IN LARGE-CAP FUNDS ?</b></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">The current rise in the market, which began towards the end of 2013, has finally faded due to a host of international as well as domestic factors. Globally, factors like Fed policy, economic slowdown in China and surging oil prices have kept the Indian markets on a tight rope.<br />On the Indian front, stable inflation - although it has started surging ahead - and high interest rates have kept the equity markets positive.</span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><br /></span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">The Banking sector is not only the backbone of the Indian economy but also forms an important part of the large-cap index and BSE 100 index. In the past few months, efforts were made to clean up the banking system, initiate rate cuts and transmit them to lower rates. Government measures in manufacturing and railways sectors<br />are likely to bring India out of the economic slump and help a number of large-cap stocks. </span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><br /></span></span></div>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">Investors who believe in the long-term growth story of India and want less volatility in their portfolios can certainly look at investing in large-cap funds that have the ability to give positive returns in the next five to ten years.</span></span><br />
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<span style="font-size: large;"><b>BALANCE INVESTMENTS BETWEEN LARGE- AND MIDCAP FUNDS</b></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-size: medium;"><span style="font-size: large;">The advantage and disadvantage of having large-cap funds in one’s portfolio is that they mirror the performance of the equity markets as fund managers have lesser scope of deviation from index weights.<br /> </span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-size: medium;"><span style="font-size: large;">However, as explained herein, there are many funds like SBI Bluechip Fund, Birla Sun Life Frontline Equity and ICICI Prudential Top 100, among others that have their own investment strategies and a history of outperformance across market cycles.<br /> </span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-size: medium;"><span style="font-size: large;">In the past few months, many funds have seen little underperformance in large-cap funds largely due to investments in sectors like software and pharmaceuticals, which have been a little stressed. Again, investments in banking and financial services have witnessed tough times over the past two years, affecting the entire large-cap fund basket.</span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-size: medium;"><span style="font-size: large;">For diversification, you need to understand that the level of<br />diversification differs for large-cap funds as compared to mid-cap or small-cap funds. It is a known fact that large-cap stocks are more liquid, which means that it is easier to enter and exit these stocks without impacting the price of the stock on any given day.</span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-size: medium;"><span style="font-size: large;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/06/best-equity-midcap-funds-to-invest-in-2016-for-long-term.html" target="_blank"><span style="color: red;">Best 3 Midcap Churning Money For Investors</span></a><a href="http://investkiyakya.blogspot.in/2016/06/best-equity-midcap-funds-to-invest-in-2016-for-long-term.html" target="_blank"></a></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-size: medium;"><span style="font-size: large;"><br />The functioning issue in mid-caps is the lack of liquidity which can become crucial during bear markets or volatile times when fund managers do not get the desired price to sell their holding in the mid-cap or the small-cap segment.</span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">As far as large-cap funds are concerned it helps that the overall market capitalization of large-cap stocks is high (in the context of domestic equity market capitalization) and it is easier to buy just one or two stocks within a sector or a theme. </span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">For example, if a fund manager is bullish on India’s growth, he will invest in State Bank of India (SBI), Larsen & Toubro (L&T) owing to long-term faith in these companies despite some short-term reservations. In a large-cap fund, given that the stocks are liquid and well-established, you can get reasonable sector exposure with fewer companies. </span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">On the other hand, in mid- and small-cap funds, the number of stocks can be higher as sometimes you cannot buy just one stock for the total value of exposure the fund managers want and they might buy four or five stocks with similar characteristics.</span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">Overall this kind of tricky situation arises when there is a bull market. But it is always advisable for you to have diversification and a larger share of portfolio in large-cap funds rather than mid-cap and small-cap funds.</span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-size: medium;"><span style="font-size: large;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/07/top-5-elss-or-tax-saving-mutual-fund-to-invest.html" target="_blank"><span style="color: red;">Best ELSS Tax Savings Funds to Invest in India in 2016 for Long Term</span></a></span></span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><b>IN A NUTSHELL</b></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Given the returns of Indian equity markets, many times mid- and small-cap funds have been able to deliver better returns than large-cap funds. However, that does not mean your should stay away from large caps and invest only in mid-cap<br />funds. Though many times, large cap funds have underperformed the broader equity markets, it cannot be<br />the only criteria in determining where you must invest your hard-earned money.</span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">You should understand that performance of various schemes varies significantly from each other even within the same category. It is important that you consider the long-term track record and analyze the potential of funds to generate higher risk-adjusted returns before investing in any mutual fund.</span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br />After thinking of proper funds to invest, your should look at their risk appetite and risk tolerance level as they also play an important part in your decision making. The best thing<br />for your is to adopt proper asset allocation strategy.</span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br />If you have 65%-70% equity in your portfolio and the remaining in debt funds, you should invest at least 50%-60% of its equity exposure in large-cap funds and the remaining in mid- and small-cap funds.<br />However, you should continue to review your portfolios and adjust or change asset allocation according to gains or losses made in the period </span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-size: medium;"><span style="font-size: large;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/06/liquid-funds-better-than-savings-bank-account.html" target="_blank"><span style="color: red;">Why Liquid Funds are better alternative to Savings Bank A/C</span></a></span></span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">It’s a thumb rule in equity markets globally that the longer the investors stay in the market, the lesser is the risk of losing money, and market volatility affecting their portfolio.<br />You must look at the history of any mutual fund before investing in it. In the Indian markets there are several funds such as HDFC Top 200, Franklin India Bluechip Fund and Reliance Growth Fund, which are two-decade- old funds and have given annualized returns in the range of 21% to 14%, respectively.</span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br />For you it is always better to expect your funds to do well under all market conditions. But under difficult circumstances, one must learn to ignore short-term underperformance of <span style="font-family: "arial" , "helvetica" , sans-serif;">your</span> funds. You should invest in a fund that has a proven long-term record and comes from a fund house that follows prudent investment processes and systems. </span></span><br />
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">The <a href="http://investkiyakya.blogspot.in/2016/05/how-to-select-mutual-fund-for-portfolio.html" target="_blank"><span style="color: red;">selection of the right mutual fund</span></a> also plays a crucial role in investment and long term wealth creation for you.<br />A large-cap fund should remain the core portion of an equity investor's portfolio. These funds have lower risk as compared to a small- or mid-cap fund and a sector fund. So, any investor who needs to invest in the equity space should allocate a large portion of his/her portfolio in large-cap funds.<br />If you are a First-time investor you should not just look at returns of mid- and small-cap funds and invest there but should first invest in large-cap funds, and eventually shift your money to thematic or mid-cap fund<span style="font-family: "arial" , "helvetica" , sans-serif;">s.</span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">Mutual Funds & Insurance Related Articles :-</span>
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com2tag:blogger.com,1999:blog-6554017070621975222.post-86421225177587610332016-07-12T10:57:00.001+05:302016-07-20T11:06:23.387+05:30Top 3 ELSS or Tax Saving Mutual Fund to Invest in 2016<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">ELSS is the best tax saving investment which offers dual advantage of tax savings as well as wealth creation in long term. But, Every ELSS is may not be the best for you. Neither, the best ELSS of 2015 may not necessarily remain best ELSS in 2016. The market conditions,change in Fund Manager, Mutual Fund Size etc, Hence you need a review to your ELSS SIP. In this post, I will handpicked the best 3 ELSS to invest in 2016<span style="font-family: "arial" , "helvetica" , sans-serif;"> <span style="font-family: "arial" , "helvetica" , sans-serif;">via SIP for long term wealth creation.</span></span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">If you search <span style="font-family: "arial" , "helvetica" , sans-serif;">google for "best tax saving mu<span style="font-family: "arial" , "helvetica" , sans-serif;">tual funds in<span style="font-family: "arial" , "helvetica" , sans-serif;"> india<span style="font-family: "arial" , "helvetica" , sans-serif;">" you will find different bloggers and website<span style="font-family: "arial" , "helvetica" , sans-serif;"> providing you a l<span style="font-family: "arial" , "helvetica" , sans-serif;">is<span style="font-family: "arial" , "helvetica" , sans-serif;">t of <span style="font-family: "arial" , "helvetica" , sans-serif;">top <span style="font-family: "arial" , "helvetica" , sans-serif;">1<span style="font-family: "arial" , "helvetica" , sans-serif;">0 ELS<span style="font-family: "arial" , "helvetica" , sans-serif;">S scheme<span style="font-family: "arial" , "helvetica" , sans-serif;"> or </span>Top <span style="font-family: "arial" , "helvetica" , sans-serif;">10</span> tax savings <span style="font-family: "arial" , "helvetica" , sans-serif;">mut<span style="font-family: "arial" , "helvetica" , sans-serif;">ual funds but t<span style="font-family: "arial" , "helvetica" , sans-serif;">his confuses <span style="font-family: "arial" , "helvetica" , sans-serif;">you even more because every other websites recommends one or the other different schemes and you are not in a position to take decision in which <span style="font-family: "arial" , "helvetica" , sans-serif;">mutual fund scheme to invest</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjEY7IodLxmTxrYfZLOcUCF74KntdmhBbuqVuKP1hSQcfZZqhC54CfenL9UvhK_4-A54o_R5TJ3kJSnWyrTyeOwCBq-eToB-jtMcPhyphenhyphenCQ7x0uprTnH6nuiRbzB234a0JTmvexoCmhftAPx8/s1600/elss-tax-saving-funds.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="217" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjEY7IodLxmTxrYfZLOcUCF74KntdmhBbuqVuKP1hSQcfZZqhC54CfenL9UvhK_4-A54o_R5TJ3kJSnWyrTyeOwCBq-eToB-jtMcPhyphenhyphenCQ7x0uprTnH6nuiRbzB234a0JTmvexoCmhftAPx8/s320/elss-tax-saving-funds.jpg" width="320" /></a></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">I have specifically handp<span style="font-family: "arial" , "helvetica" , sans-serif;">icked 3 <span style="font-family: "arial" , "helvetica" , sans-serif;">best ELSS schemes to invest a<span style="font-family: "arial" , "helvetica" , sans-serif;">nd i am also invested in Relian<span style="font-family: "arial" , "helvetica" , sans-serif;">ce Tax Saver & </span>Franklin<span style="font-family: "arial" , "helvetica" , sans-serif;"> India Tax Sh<span style="font-family: "arial" , "helvetica" , sans-serif;">ield with<span style="font-family: "arial" , "helvetica" , sans-serif;"> a monthly SIP of Rs 2500 each</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span>. I believe <span style="font-family: "arial" , "helvetica" , sans-serif;">"Charity</span> begins from home" and as<span style="font-family: "arial" , "helvetica" , sans-serif;"> you have landed on this page it is my respo<span style="font-family: "arial" , "helvetica" , sans-serif;">n<span style="font-family: "arial" , "helvetica" , sans-serif;">sibility </span></span></span>to pro<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">vide</span> you with as much as accurate information </span>so that you<span style="font-family: "arial" , "helvetica" , sans-serif;">r <span style="font-family: "arial" , "helvetica" , sans-serif;">money</span> grows</span></span></span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/07/real-estate-vs-mutual-funds-which-is-better-investment.html" target="_blank"><span style="color: red;">Why Real Estate is and was a Dull Investment</span></a></span></span></span></span></span> </span></span></span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Lets explore the </span>top <span style="font-family: "arial" , "helvetica" , sans-serif;">3</span> Tax Savings Funds in India and I have not selected Axis Long Term Equity Fund the only reason being fund has almost reached AUM of Rs 9291 Cr, the bigger the size of fund scheme bigger the problem of fund manager. Here is a post where in i have mentioned how large AUM impact the fund returns click here to read the <a href="http://investkiyakya.blogspot.in/2016/06/mutual-funds-does-size-really-matters.html" target="_blank"><span style="color: red;">post</span></a></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;">Funds selected are on basis of </span></span></span></span><br />
<ul style="text-align: left;">
<li><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="color: red;"><span style="color: black;">Alpha Ratio</span></span></span><span style="font-size: large;"> </span></span></li>
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<li><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">Risk - Reward Ratio</span></span></li>
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<li><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">Rolling Returns calculation for 3 years</span></span></li>
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<li><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">Out-performance in SIP Returns for 5 Years</span></span></li>
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<li><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">Out-performance in Lump Sum returns compared to benchmark for 5 years</span></span></li>
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<li><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">Funds in existence from 2008 which has seen the bear phase of global recession and bull phase later<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;"> </span></span></span></span></span></li>
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<li><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="color: red;"><span style="color: black;">Funds AUM below 5000 Cr</span></span></span><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="color: red;"><span style="color: black;"> </span></span></span></span></li>
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<li><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;">Funds provided returns more than 15% CAGR</span></span></span></span></span></li>
</ul>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/05/best-sip-mutual-funds-long-term-2016.html" target="_blank"><span style="color: red;">Best 3 Equity MF to Invest in 2016 via SIP</span></a></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;"><br /></span></span></span></span></span>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;"><b># 1 : Reliance Tax Saver Fund</b></span></span></span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;">The Fund has consistently outperformed its benchmark (S&P BSE 100) and the ELSS category across various times. The fund marginally under-performed the benchmark and the category during the bull phase of 2003 to 2007. It did picked up pace in December 2007 and thereafter consistently outperformed both the benchmark and the category across all market phases.</span></span></span></span></span><br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj1EPt6vv4X_-oPUtknFeKDNCKmdXRdKHfMyr5LI8GbkhlxEjbmlZY9I8zbYBxDUOR3y-ZP6ET2-AIcxBMYIits0t2zv_3trswbRcFlz6ogQ9N_QBGD54wU77fMB0bh1U7kugDvz0m85d5P/s1600/reliancetaxsaver.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="172" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj1EPt6vv4X_-oPUtknFeKDNCKmdXRdKHfMyr5LI8GbkhlxEjbmlZY9I8zbYBxDUOR3y-ZP6ET2-AIcxBMYIits0t2zv_3trswbRcFlz6ogQ9N_QBGD54wU77fMB0bh1U7kugDvz0m85d5P/s400/reliancetaxsaver.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Reliance Tax Saver 5 Years SIP Returns</td><td class="tr-caption" style="text-align: center;"><br /></td><td class="tr-caption" style="text-align: center;"><br /></td></tr>
</tbody></table>
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<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEij25q2L9XLDwBefqhiEdLRr8m6MvA1Ty-tbJeOJRuSEjQNXzxaMKVVK7KYjSY1H8ec8u-yMUcGGXl5dp5bN1Lip4w1VFpptZKgQi6yjc26QXpUx4UE97Fa_QvehRPDUTzah-DXwNECzvJH/s1600/reliancetaxrollingreturns.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="156" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEij25q2L9XLDwBefqhiEdLRr8m6MvA1Ty-tbJeOJRuSEjQNXzxaMKVVK7KYjSY1H8ec8u-yMUcGGXl5dp5bN1Lip4w1VFpptZKgQi6yjc26QXpUx4UE97Fa_QvehRPDUTzah-DXwNECzvJH/s400/reliancetaxrollingreturns.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">1 Year Rolling Returns for 3 Year Period</td></tr>
</tbody></table>
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;"><b> </b>Performance : Lumpsum Rs 1,000 invested in the fund on 08/07/2011 would have grown to around Rs 21771 (XIRR return of 16.82 per cent) as on July 8th 2016. A similar investment in the benchmark would have grown to Rs 14881 (8.27 per cent).<br /><br />A monthly systematic investment plan (SIP) of Rs 1,000 for a period of five years from 08/07/2011 to 08/07/2016 (on a principal of Rs 60,000) would grow to around Rs 101913, delivering an CAGR return of 16.9% per cent where as the same SIP in benchmark fund would grow to 78992 with a CAGR of 8.4% </span></span></span></span></span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/06/best-equity-midcap-funds-to-invest-in-2016-for-long-term.html" target="_blank"><span style="color: red;">Best 3 Mid Cap Fund Churning Money for Investors</span></a> </span></span></span></span></span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;"><b># 2 : Franklin India Tax Shield Fund</b></span></span></span></span></span> </span></span></span></span></span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;">Franklin India Tax Shield manages an AUM of 2146 Cr as on 30/05/2016. Fund is highly invested in Banks and Financial Services Stocks,Automobiles and technology. It should be a top choice for risk averse investors seeking ELSS benefits. </span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;"><br /></span></span></span></span></span>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_Caf3C-BI7m3pR82HqDSrNuAz9GI2ut_4GQVC8z1zx_DpHn-XotWTl88dtYcjrPle8Q6Bzf2lZCoKwhQIbX59I5Nj1s0tlHUUc8PDcsrwGdr17o_xcPnOFGqC5Mggqh3hDWx8cM8tVRI7/s1600/franklin.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="276" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_Caf3C-BI7m3pR82HqDSrNuAz9GI2ut_4GQVC8z1zx_DpHn-XotWTl88dtYcjrPle8Q6Bzf2lZCoKwhQIbX59I5Nj1s0tlHUUc8PDcsrwGdr17o_xcPnOFGqC5Mggqh3hDWx8cM8tVRI7/s400/franklin.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Franklin India Tax Shield 5 Year SIP returns</td></tr>
</tbody></table>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh97GO8bQPlgepuljjUFAFpdGUGG8cBEFyh1CZhZds93jZykjpE9R-ogoliPB1BhG0DYwQgaCCf-IhAWAwiG9Bqq5-ATHNS4ZFxS7mEiGFQGUldkMEuPgWvghENgc0UzBrc0-OuB8_KINB-/s1600/Franklin+Rolling+Returns.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="156" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh97GO8bQPlgepuljjUFAFpdGUGG8cBEFyh1CZhZds93jZykjpE9R-ogoliPB1BhG0DYwQgaCCf-IhAWAwiG9Bqq5-ATHNS4ZFxS7mEiGFQGUldkMEuPgWvghENgc0UzBrc0-OuB8_KINB-/s400/Franklin+Rolling+Returns.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">1 Year Rolling Returns for 3 Year Period</td></tr>
</tbody></table>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;">Performance : Lumpsum Rs 1,000 invested in the fund on 07/08/2011 would have grown to around Rs 2073 (XIRR 15.67%) as on July 8th 2016. A similar investment in the benchmark NIFTY 500 would have grown to Rs 1528 with a modest XIRR of 8.83%<br /><br />A monthly systematic investment plan (SIP) of Rs 1,000 for a period of five years from 07/08/2011 to 07/07/2016 (on a principal of Rs 60,000) would grow to around Rs 97845, delivering an XIRR return of 19.6% per cent where as the same SIP in benchmark fund would grow to 82443 with a XIRR of 12.5% <br /><br />It is from the above data we can clearly identify the fact that Franklin Tax Sheild fund has clearly outperformed benchmark NIFTY 500 in Lumpsum as well as SIP returns<span style="font-family: "arial" , "helvetica" , sans-serif;">.</span></span></span></span></span></span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/05/mutual-funds-versus-ulip.html" target="_blank"><span style="color: red;">Why You Should Never Buy ULIP ?</span></a></span></span></span></span></span></span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><b><span style="color: black;"># 3 : Birla Sun L<span style="font-family: "arial" , "helvetica" , sans-serif;">ife Tax Saver Plan </span></span></b> </span> </span></span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;"><br /></span></span></span></span></span>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;">After a bad patch from 2008-2010,Birla Sun Life Tax Plan has made a big comeback in the last five years, with a good run since 2014. If you check the rolling returns graph below, after 2014 fund has outperformed benchmark index S&P BSE Sensex. The fund's overweight positions in engineering and capital-goods majors has paid off in the first part of 2015. So did its underweight positions in financial services and energy.</span></span></span></span></span><br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgcpXmlRLga7Q7w5et-zoN-IRtpmBmCnUn15mu0uUAZmn4Dj0qyYWueBXmYsxemzoRDUvc37TubOWwi9AeuVWtUB4UA4mnUZDEFGfQzowSZOaP1EQfzBdxTv0hNVLqBPRIoHXiw1gcCZjCV/s1600/birlasunlifesipreturns.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="257" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgcpXmlRLga7Q7w5et-zoN-IRtpmBmCnUn15mu0uUAZmn4Dj0qyYWueBXmYsxemzoRDUvc37TubOWwi9AeuVWtUB4UA4mnUZDEFGfQzowSZOaP1EQfzBdxTv0hNVLqBPRIoHXiw1gcCZjCV/s400/birlasunlifesipreturns.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Birla Sun Life Tax Saver 5 Years Sip Returns</td></tr>
</tbody></table>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjGt_r8EUvQ3_JEkvJeFmcGZw6vg5toiNBsUeJ3TfG8IglunCBzeYKOzJpyJK91fnpgdhIU0MXt-xgaCqNHrZ_LRWNMVFmiD4ekdJwOiiWaOySAcXeFraxdJ3BTBv4n7ssqPEJkeOLygjCR/s1600/birlasunliferollingreturns.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="158" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjGt_r8EUvQ3_JEkvJeFmcGZw6vg5toiNBsUeJ3TfG8IglunCBzeYKOzJpyJK91fnpgdhIU0MXt-xgaCqNHrZ_LRWNMVFmiD4ekdJwOiiWaOySAcXeFraxdJ3BTBv4n7ssqPEJkeOLygjCR/s400/birlasunliferollingreturns.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Birla Sun Life 1 Year Rolling Returns for 3 year period</td></tr>
</tbody></table>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;">Performance : Lumpsum Rs 1,000 invested in the fund on 07/08/2011 would have grown to around Rs 2170 (XIRR 17.06%) as on July 8th 2016. A similar investment in the benchmark Sensex would have grown to Rs 1602 with a XIRR of 10.06%<br /><br />A monthly systematic investment plan (SIP) of Rs 1,000 for a period of five years from 07/08/2011 to 07/07/2016 (on a principal of Rs 60,000) would grow to around Rs 99318 with a XIRR returns of 20.2% and SIP of Rs 1000 for same period in benchmark BSE SENSEX would have grown to 76670 with a CAGR of 9.6%<br /><br />If you would like a fund which has proved itself across not one but multiple market cycles, this one fits the bill.</span></span></span></span></span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;"><b><span style="font-family: "arial" , "helvetica" , sans-serif;">Points to remember while investing in ELSS</span></b></span></span></span></span></span><br />
<ul style="text-align: left;">
<li><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;">Money invested in ELSS are directly related to stock market, risk is involved.</span></span></span></span></span></li>
</ul>
<ul style="text-align: left;">
<li><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;">Subsequent investment is also locked for 3 years. For Example you invested via SIP on 01/06/2016 & 01/07/2016 then on 01/06/2019 your units purchased on 01/06/2016 will be available for redemption </span></span></span></span></span></li>
</ul>
<ul style="text-align: left;">
<li><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;">And lastly, you should consider that you can’t reduce the impact of market fall, as you can’t switch or redeem investment before 3 years</span></span></span></span></span></li>
</ul>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;">M<span style="font-family: "arial" , "helvetica" , sans-serif;">ust Read : <a href="http://investkiyakya.blogspot.in/2016/06/liquid-funds-better-than-savings-bank-account.html" target="_blank"><span style="color: red;">W<span style="font-family: "arial" , "helvetica" , sans-serif;">hy Liquid Funds are better alternative to <span style="font-family: "arial" , "helvetica" , sans-serif;">Savings Bank A/<span style="font-family: "arial" , "helvetica" , sans-serif;">C</span></span></span></span></a></span> </span></span></span></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;"><br /></span></span></span></span></span>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;">I hope you <span style="font-family: "arial" , "helvetica" , sans-serif;">enjoyed reading the article , it take<span style="font-family: "arial" , "helvetica" , sans-serif;">s time to write articles with facts and figures, request yo<span style="font-family: "arial" , "helvetica" , sans-serif;">u to <span style="font-family: "arial" , "helvetica" , sans-serif;">please spread the word. A good way to start is to share this page on your social circle using floating social share bar on the left.</span></span></span></span></span></span></span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Who <span style="font-family: "arial" , "helvetica" , sans-serif;">doesn't</span> like a financial healthy life,In case if you <span style="font-family: "arial" , "helvetica" , sans-serif;">want one contact me for</span> Financial Planning, please do <span style="font-family: "arial" , "helvetica" , sans-serif;">drop an email to me at vipuls1979@gmail.com<span style="font-family: "arial" , "helvetica" , sans-serif;">. I would be happy to assi<span style="font-family: "arial" , "helvetica" , sans-serif;">st you</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">Mutual Funds & Insurance Related Articles :-</span>
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<span style="font-size: large;"><a href="http://investkiyakya.blogspot.in/2013/04/long-put-going-long-in-put-is-strategy.html" target="_blank">Long Put</a></span></div>
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<span style="font-size: large;"><a href="http://investkiyakya.blogspot.in/2013/04/short-call-bearish-strategy.html" target="_blank">Short Call - Bearish Strategies</a></span></div>
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<span style="font-size: large;"><a href="http://investkiyakya.blogspot.in/2013/04/sell-put-bullish-strategy.html" target="_blank">Sell Put - Bullish Strategies</a></span></div>
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<span style="font-size: large;"><a href="http://investkiyakya.blogspot.in/2013/04/buy-straddle-option-straddle.html" target="_blank">Buy Straddle Option</a></span></div>
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<span style="font-size: large;"><a href="http://investkiyakya.blogspot.in/2013/04/short-straddle-neutral-strategy.html">Short Straddle Option</a></span></div>
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<span style="font-size: large;"><a href="http://investkiyakya.blogspot.in/2013/04/synthetic-long-call.html" target="_blank">Synthetic Long Call</a></span></div>
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<span style="font-size: large;"><a href="http://investkiyakya.blogspot.in/2013/04/synthetic-long-put-synthetic-long-put.html" target="_blank">Synthetic Long Put</a></span></div>
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<span style="font-size: large;"><a href="http://investkiyakya.blogspot.in/2013/04/synthetic-long-futures-bullish-strategy.html" target="_blank">Synthetic Long Futures</a></span></div>
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<span style="font-size: large;"><a href="http://investkiyakya.blogspot.in/2013/04/synthetic-long-futures-bullish-strategy.html" target="_blank">Synthetic Long Futures</a></span></div>
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</span><br />
<div class="MsoNoSpacing">
<span style="font-size: large;"><a href="http://investkiyakya.blogspot.in/2013/04/synthetic-short-call-bearish-strategy.html" target="_blank">Synthetic Short Call</a></span></div>
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<div class="MsoNoSpacing">
<span style="font-size: large;"><a href="http://investkiyakya.blogspot.in/2013/04/bullcallspread.html" target="_blank">Bull Call Spread</a></span></div>
<span style="font-size: large;">
<a href="http://investkiyakya.blogspot.in/2013/04/bullputspread.html" target="_blank">Bull Put Spread</a><br />
</span><br />
<span style="font-size: small;"><span style="font-size: xx-small;">In case of any further explanation you can reach me on vipuls1979@gmail.com or tweet me @vipuls1979</span></span><br />
<br />
<span style="font-size: xx-small;">Disclaimer :- </span><br />
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com2tag:blogger.com,1999:blog-6554017070621975222.post-6783145065180380072016-06-30T12:23:00.000+05:302017-05-12T16:45:17.545+05:30Mutual Funds - Does Size Really Matters ?<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="text-align: center;">
<span style="font-size: x-large;"><b><span style="font-size: medium;"><i>"Sizing Up Mutual Funds"</i></span></b></span></div>
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<span style="font-size: large;">Small and mid-sized funds have performed better than their bigger counterparts in the past few years. Does size of the mutual fund really matter? You decide </span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiThICqMpMA-wOZMhN0x3IhsZkBjFZ-Q-wJ6GKaC6IQJsLAVNUFKnSjBUE81xNuZCHW0aYB37MvAopE3QAjdWJzLc7bixD4mtyihGOPLmFrOwHv9ahTjzcaGbYlsQ9HgMZPkO7XrWMnfVeN/s1600/mouse_elephant_wide.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="141" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiThICqMpMA-wOZMhN0x3IhsZkBjFZ-Q-wJ6GKaC6IQJsLAVNUFKnSjBUE81xNuZCHW0aYB37MvAopE3QAjdWJzLc7bixD4mtyihGOPLmFrOwHv9ahTjzcaGbYlsQ9HgMZPkO7XrWMnfVeN/s400/mouse_elephant_wide.jpg" width="400" /></a></div>
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<span style="font-size: large;">World renowned fund manager Peter Lynch says, “<i>My biggest<br />disadvantage is size. The bigger the equity fund, the harder<br />it gets to outperform the competition.</i>” This saying holds true<br />even for the Indian mutual fund Industry. </span><br />
<br />
<span style="font-size: large;">A large chunk of money is invested in ‘big corpus’ schemes by<br />retail investors. Unfortunately, such schemes have failed to deliver decent returns in the past few years.<i> </i></span><br />
<span style="font-size: large;"><i><br /></i></span>
<span style="font-size: large;">On the other hand, newer schemes with limited size have been able to outperform and give huge returns over the benchmark indices. There is a perception in your mind that larger the fund size, better the performance of the scheme.</span><br />
<span style="font-size: large;">But in fund management, its gets more and more difficult to manage large-sized funds. </span><br />
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<span style="font-size: large;">
<span style="font-size: large;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/05/best-sip-mutual-funds-long-term-2016.html" rel="nofollow" target="_blank"><span style="color: red;">Best 3 Large Cap Equity Mutual Funds for SIP</span></a></span> </span><br />
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<span style="font-size: large;"><a href="http://investkiyakya.blogspot.in/2016/06/benefits-of-systematic-investment-plans.html" target="_blank">Systematic Investment Plan</a> (SIP) is a very successful phenomenon in the Indian mutual fund industry with a large number of investors entering mutual funds only through SIPs. So, whenever the fund receives money - whether it is weekly, monthly or quarterly, the fund manager needs to find opportunities in the market. It<br />becomes even more difficult for small and mid-sized funds to look for investing ideas as liquidity plays a very significant role in such funds and uncertain market conditions.</span><br />
<span style="font-size: large;"></span><br />
<span style="font-size: large;"><i></i></span>
<span style="font-size: large;">Large-sized funds can create problems for fund managers not only<br />in the mid and small-cap categories but also in the multi-cap and large-cap categories. The biggest issue any fund manager faces while managing large-sized mutual funds is that of liquidity and the availability of enough stock opportunities in such volatile markets.</span><br />
<br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;">To cite an example, many large-sized funds like HDFC Top 200, Franklin India Bluechip and DSP BlackRock Top 100 have struggled to outperform the market in the past few years.<br />Having said that these are funds that have seen different market cycles and superior past performance and can bounce back sooner than later.</span></span></span><br />
<br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;"><span style="font-size: large;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/06/best-equity-midcap-funds-to-invest-in-2016-for-long-term.html" target="_blank"><span style="color: red;">Best 3 Equity Midcap Funds Churning Money for Investors</span></a></span> </span></span></span><br />
<br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;">But if we look at some other schemes with small corpus like Mirae Asset Emerging Bluechip Fund, SBI Magnum Midcap and Franklin India Smaller Companies Fund , we find that these funds with less than 3000 crore of the total corpus have delivered huge returns in the last few years. Many such funds have given returns in the range of 20% to 25% in the last one year. </span></span></span><br />
<br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;">When it comes to fund management,the size of the fund becomes a big hindrance to sustain its positive returns on a continuous basis. For example, if a fund manager runs a small fund with a corpus of 3000 crore, he can invest in any stock he likes. </span></span></span><br />
<br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;">Suppose he invests in stock‘ABC’ and if he is bullish on that<br />particular stock, he can buy up to 10% in the fund. If his call goes right, then the fund might deliver outstanding returns and vice versa.</span></span></span><br />
<br />
<br />
<span style="font-size: large;"><span style="color: red;"></span></span>
<span style="font-size: large;"><span style="color: red;"><span style="color: black;">But supposing the fund manager manages 10,000 crore funds, he<br />cannot have 10% in any single stock, which might come to 1,000 crore. Such a strategy could backfire in a big way if that stock does not give the<span style="color: red;"> </span>fund manager the desired result. Even if the fund manager takes a small<span style="color: red;"> </span>exposure in that stock, it might not have an overall impact on the fund.</span></span></span><br />
<br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;">Must Read : <span style="color: red;"><a href="http://investkiyakya.blogspot.in/2016/05/mutual-funds-versus-ulip.html" target="_blank">Mutual Fund Versus ULIP</a></span></span></span></span><br />
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<br />
<br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;">It is a known fact that whenever the<span style="color: red;"> </span>funds get bigger, the universe of<span style="color: red;"> </span>stocks gets smaller. Fund managers come in a situation where they can<span style="color: red;"> </span>invest in select stocks out of hundreds. The competition gets fierce<span style="color: red;"> </span>and it becomes more and more difficult to outperform the main<span style="color: red;"> </span>benchmark indices. </span></span></span><br />
<br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;">Many funds in India have performed very well in the past few years and once such funds get popular and start delivering positive returns on a continuous basis, they find more and more investors coming into their fold. This is where the problem of underperformance begins.</span></span></span><br />
<br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;">Globally we have seen how many funds became too large to handle; either they were turned into close-ended funds or they stopped taking in fresh investments. Even in India, IDFC Mutual Fund is one such fund house, which does not allow lump sum investments in their IDFC Premier Equity scheme. However,<br />investors can invest through SIPs.</span></span></span><br />
<br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/06/liquid-funds-better-than-savings-bank-account.html" target="_blank"><span style="color: red;">Liquid Funds Better alternative to Savings Bank A/c </span> </a></span></span></span></span></span></span><br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;"><br /></span></span></span>
<span style="font-size: large;"><span style="color: red;"><span style="color: black;">Many times when a fund becomes big, the fund manager sticks to<br />picking up stocks in line with the benchmark indices in order to take less risk. Many argue that with a larger corpus, the fund becomes ‘benchmark-linked funds’. This, in turn, would give the investor returns in line with the benchmark and take it high compared to index funds.</span></span></span><br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;"><br /></span></span></span>
<span style="font-size: large;"><span style="color: red;"><span style="color: black;">Of the many fund managers, some prefer managing small funds because it allows them to enter or exit any particular stock with ease, which becomes almost impossible in big-sized funds. However, one should never go by huge returns by small funds because few winning stocks in the portfolio could have a large impact on the fund’s performance.</span></span></span><br />
<br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;"></span></span></span><br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;">New funds do not have a long track record, but there are many investors who could be lured to purchase a fund managed by a new manager. Funds are less diversified in some cases and the poor performance of one stock will have a large negative impact on<br />the overall portfolio.</span></span></span><br />
<br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;">Must Read : <span style="color: red;"><span style="color: black;"><span style="color: red;"><a href="http://investkiyakya.blogspot.in/2016/01/risk-management-for-investor-at.html" target="_blank">Risk Management for you in Broking House</a></span> </span></span></span></span></span> </span></span></span><br />
<br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;">It is always difficult to predict how and when big-sized funds can go wrong in their investment strategies. But it is always seen that investors can find the schemes that have turned too large and not manageable when the fund manager tried to change his investment strategy and give returns in line or below the benchmark.<br />However such problem arises only in equity funds. But, with debt funds,exchange traded funds (ETFs) or index funds, size of the fund has nothing to do with returns.</span></span></span><br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;"><br /></span></span></span>
<span style="font-size: large;"><span style="color: red;"><span style="color: black;">If you want to look at the mutual fund size and their benefits or<br />disadvantages, you may consider these three options. Firstly, their total corpus, whether the funds’ size is shrinking month-on-month; then you should realize that the fund manager is not doing enough work and, hence, investors are moving away from the fund. Secondly,you should always invest according to your investment approach. If you are risk takers and want to invest from a long-term perspective, you should invest in mid and small-cap funds rather than diversified funds.</span></span></span><br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;"><br /></span></span></span>
<span style="font-size: large;"><span style="color: red;"><span style="color: black;">Lastly, many fund managers like to hold cash, thinking that they might invest when the markets correct. Sometimes the call might go<br />absolutely right, but on many occasions mutual fund managers are<br />known to have missed the rally as we have seen after the 2009 crises in the Indian markets.</span></span></span><br />
<br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;">Must Read : <a href="https://investkiyakya.blogspot.in/2016/06/monthly-income-plans-in-mutual-funds.html" target="_blank"><span style="color: red;">What are Monthly Income Plans (MIP) ?</span></a> </span></span></span><br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;"></span></span></span><br />
<br />
<b><span style="font-size: large;"><span style="color: red;"><span style="color: black;">IN A NUTSHELL</span></span></span></b><br />
<br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;">The main reason why small mutual funds turn big is because of their historical performances which attracts more and more investors.</span></span></span><br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;">But in the financial markets past performance does not decide the<br />performance of the future. </span></span></span><br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;">Yet, there is no golden rule that you should stay away from big corpus funds or invest only in small-sized funds.<br />There is no direct correlation between the size of the fund and its<br />performance, but investors should not rush and invest only because ‘bigger is better’.<br />The right way to select a fund is to look at funds’ historical returns, their charges, their star ratings and whether or not they rank on the top in quartile of their category.</span></span></span><br />
<br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;"><span style="font-size: large;"><span style="color: red;"><span style="color: black;"><span style="font-size: large;">Must Read : </span><a href="https://investkiyakya.blogspot.in/2016/05/how-to-select-mutual-fund-for-portfolio.html" target="_blank"><span style="color: red;">How to Select Mutual Funds for Portfolio</span> </a></span></span></span></span></span></span><br />
<span style="font-size: large;"><span style="color: red;"><span style="color: black;"><br /></span></span></span>
<span style="font-size: large;"><span style="color: red;"><span style="color: black;">It is not easy to give good returns year on year. There might be times or even years when funds might under perform. One should not blindly follow them. If you want to seriously invest in mutual funds for your future prospects, then you can look at various schemes, which are top performers, although they have a<br />small corpus.<br />It is up to you to make sure that funds match your goals and if they are unable to do that, they can switch to other asset classes.</span></span></span><br />
<br />
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<span style="font-size: large;"><span style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: medium;"><b>About the author</b></span><br style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><span style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: medium;">Vipul is a software sales professional for Asset Management Companies, Pension Fund and Stock Brokers from last 16 years.</span><span style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: medium;"> </span><br style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><br style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><span style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: medium;">Vipul believes that the amount of financial information flowing our way is probably 10 times more than what it used to be 15 to 20 years back due to the advent of newer forms of communication.</span><br style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><span style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: medium;">All this information is creating an information overload in the minds of individuals resulting in analysis paralysis and he helps them select the right decision while creating a Goal based financial plan.</span><br style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13.2px;" /><span style="background-color: white; color: #222222; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: medium;">In case if you need a Financial Plan please connect to him on vipuls1979@gmail.com</span><br /><br />Mutual Funds & Insurance Related Articles :-</span>
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com3tag:blogger.com,1999:blog-6554017070621975222.post-63713477434677524382016-06-28T18:31:00.002+05:302016-07-20T11:07:23.689+05:30Best 3 Equity Midcap Mutual Fund Churning Money For Investors<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-size: large;"></span>
<h2 style="text-align: left;">
<span style="font-size: large;"><i>Best 3 Equity Midcap Mutual Fund to Invest via SIP in 2016</i></span></h2>
<span style="font-size: large;">The mid and small cap fund category is indeed the most exciting of the lot. It adds a lot of zing to the portfolio and is capable of offering above-average returns when the markets are in uptrend. on the other hand, funds in this category are more prone to volatility as mid and small cap companies are hit harder when markets tank.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">While there are many midcap funds available in the market ,it becomes practically difficult for investor to select funds to invest.</span><br />
<span style="font-size: large;">Apart from that many website and blogger provide an option like top 10 funds to invest as title header and after reading the post investor like you gets more confused. In order to overcome this confusion I only provide 3 best funds and i am invested in 2 of them mentioned below.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Midcap funds are risky and it is recommended for investor you are willing to take risk</span><br />
<br />
<br />
<span style="font-size: large;">Let us go ahead with the funds selection method</span><br />
<br />
<ul style="text-align: left;">
<li><span style="font-size: large;">Alpha Ratio </span></li>
<li><span style="font-size: large;">Rolling Returns calculation for 3 years </span></li>
<li><span style="font-size: large;">SIP Returns </span></li>
<li><span style="font-size: large;">Funds in existence from last 5 years </span></li>
<li><span style="font-size: large;">CIRSIL, Morning Star & Value Research Ratings </span></li>
</ul>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/07/real-estate-vs-mutual-funds-which-is-better-investment.html" target="_blank"><span style="color: red;">Why Real Estate is and always was a Dull Investment</span></a></span></span><br />
<br />
<span style="font-size: large;">Below is the list of 3 best midcap funds</span></div>
<div>
<br /></div>
<div>
<span style="font-size: large;"><b>#1 : Mirae Asset Emerging Bluechip Fund </b></span></div>
<div>
<br /></div>
<div>
<span style="font-size: large;">Mirae Asset Emerging Bluechip Fund (MAEBF) gives investors the opportunity to </span><span style="font-size: large;">participate in the growth of emerging companies which have the potential to be tomorrow's large caps/Bluechip companies. This fund invest in companies which are not part of the top 100 stocks by market capitalization and have market capitalization of at least 100 Crores at the time of investment.</span></div>
<div>
<span style="font-size: large;"><br /></span></div>
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<span style="font-size: large;"><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhhRnS2Sub2V-gSxgMznuBiQ_AhK8mYMp7Mx4KaLEOcMQ9XJ_DWLmaRrCfyVPwFR-DSAhzi05t_UCURuICIvtSSiK3BN4Vbv0SQ5csyoNpzDu_Jlp1q4unvfyJpVSWzuSsoe4KmSZQ2fFY7/s1600/maebf.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="best-mutual-funds-to-invest-in-india " border="0" height="122" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhhRnS2Sub2V-gSxgMznuBiQ_AhK8mYMp7Mx4KaLEOcMQ9XJ_DWLmaRrCfyVPwFR-DSAhzi05t_UCURuICIvtSSiK3BN4Vbv0SQ5csyoNpzDu_Jlp1q4unvfyJpVSWzuSsoe4KmSZQ2fFY7/s400/maebf.jpg" title="best mutual funds to invest in india " width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="text-align: left;"></span><br />
<div style="text-align: left;">
<span style="text-align: left;"><br /></span></div>
<span style="text-align: left;">
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</tbody></table>
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</span>
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<div>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgM20w_R0Md4ACHVvnG79WFGDem9VQpjdlX3s2bUudcFNhwu2uFBOqA0d-pusUUpvwMD3Pe7PtG2nYiV-hPE9ubfwA6-ziMVSbf0fJJxcp7qU_CMgle7syb6C9V81tWeoWxgIo0ry7Aa399/s1600/maebfrollingreturns.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="176" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgM20w_R0Md4ACHVvnG79WFGDem9VQpjdlX3s2bUudcFNhwu2uFBOqA0d-pusUUpvwMD3Pe7PtG2nYiV-hPE9ubfwA6-ziMVSbf0fJJxcp7qU_CMgle7syb6C9V81tWeoWxgIo0ry7Aa399/s400/maebfrollingreturns.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">3 Years Rolling Returns Compared to Benchmark </td></tr>
</tbody></table>
<span style="font-size: large;">Performance : If you would have invested Rs 1000 via SIP on 23/06/2011 as of now your investment would have 123329.18 with a CAGR of 29.30% , actually double your money</span><br />
<br />
<span style="font-size: large;">Rs 1,000 invested in the fund on 23/06/2011 would have grown to around Rs 2935 (compounded annualised return of </span><span style="font-size: large;">23.99 per cent) as on June 24 2016. A similar investment in the benchmark NIfty Free Float Midcap 100 would have grown to Rs 1738 (</span><span style="font-size: large;">11.67 per cent).</span></div>
<div>
<br />
<span style="font-size: large;">Rolling returns for 3 years clearly indicates that fund has outperformed to benchmark fund and provided a return of more than 15% CAGR which makes this fund on top contender to invest in midcap </span><br />
<br />
<span style="font-size: large;">The fund has performed well on a risk-adjusted basis as well. Sharpe
ratio (which measures the excess returns over the risk-free rate per
unit of risk) of the fund is at 1.54 and alpha of 19.93</span><br />
<span style="font-size: large;">This is a kind of fund which in-spite of high returns possess low risk as beta is .94 </span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="color: black;">Must Read : <a href="http://investkiyakya.blogspot.in/2016/05/best-sip-mutual-funds-long-term-2016.html" target="_blank"><span style="color: red;">Best 3 Large Cap Mutual Fund to Invest in SIP</span></a></span></span></span></span></span><br />
</div>
</div>
<div>
<span style="font-size: large;"></span></div>
<div>
<b style="font-size: x-large;">#2 : SBI Magnum Midcap Fund </b></div>
<div>
<span style="font-size: large;"><b><br /></b></span></div>
<div>
<span style="font-size: large;">Objective of this fund is to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme by investing predominantly in a well diversified basket of equity stocks of Midcap companies and believe me this fund is doing exactly as per the objective.</span></div>
<div>
<span style="font-size: large;">This fund is managed by Sohini Andani who also manages SBI Bluechip Fund which is ranked as #1 by CRISIL </span></div>
<div>
<span style="font-size: large;"><br /></span></div>
<div>
<span style="font-size: large;">Let us see the returns for SIP for last 5 years </span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhrTFk0lKsG1myHIjYxeaLHDCWLQ0AutAxHblt4vTfTFYxkkdCGRlsg7716TY4iAGANdU-sH0A0MysrtCVYK8o7Uw-qXG5pumQ47YsrqI_DNd83XcUhMKNUbImQHCHiVy_S7yZh1FGJ9IK5/s1600/sbimagnummidcap.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="best-equity-midcap-mutual-funds-in-india " border="0" height="163" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhrTFk0lKsG1myHIjYxeaLHDCWLQ0AutAxHblt4vTfTFYxkkdCGRlsg7716TY4iAGANdU-sH0A0MysrtCVYK8o7Uw-qXG5pumQ47YsrqI_DNd83XcUhMKNUbImQHCHiVy_S7yZh1FGJ9IK5/s400/sbimagnummidcap.jpg" title="best equity midcap mutual funds in india " width="400" /></a></div>
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<span style="font-size: large;"><br /></span></div>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKAEZ9OVjyORymI7pEwKVr8qthOcmDzQv_4URN1j9-qnWqthl_g_VIM5vx73YpGHnDCQjWBTMGSTN2iXxpon6-uFgtxyrj0D0skbVwMHFxYiNkl09JodxCH0Ue0nWD0SnTMXX-agRB0bVv/s1600/sbimagnummidcaprollingreturns.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="best-equity-midcap-mutual-funds-in-india" border="0" height="147" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKAEZ9OVjyORymI7pEwKVr8qthOcmDzQv_4URN1j9-qnWqthl_g_VIM5vx73YpGHnDCQjWBTMGSTN2iXxpon6-uFgtxyrj0D0skbVwMHFxYiNkl09JodxCH0Ue0nWD0SnTMXX-agRB0bVv/s400/sbimagnummidcaprollingreturns.jpg" title="best equity midcap mutual funds in india" width="400" /></a></div>
<br />
<span style="font-size: large;">Performance
: If you had invested via SIP on 23/06/2011 as of now your
investment would have 123030 , twice the money you invested via sip with a CAGR of 29.2% </span><br />
<span style="font-size: large;"> </span><span style="background-color: white; color: black; display: inline; float: none; font-family: "open sans" , sans-serif; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 24px; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px;"> </span><br />
<span style="font-size: large;"></span><br />
<div>
<span style="font-size: large;">Rolling
returns for 3 years clearly indicates that fund has outperformed to
benchmark fund and provided a return of more than 15% CAGR which makes
this fund as my best selection for midcap </span><br />
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">Must Read : </span><span style="font-size: large;"><a href="http://investkiyakya.blogspot.in/2016/06/credit-opportunities-fund-complete-guide.html" target="_blank"><span style="color: red;">If you have a slightly higher risk appetite and investment horizon of 18 to 24 months you can consider Credit Opportunities Fund</span></a> </span></span><span style="font-size: large;"><span style="font-size: medium;"></span> </span><br />
<span style="font-size: large;"><br /></span>
<br />
<b style="font-size: x-large;">#3 : Franklin India Smaller Companies Fund </b><br />
<br />
<span style="font-size: large;">If you are seeking exposure to mid-cap stocks with steady and consistent performance can consider the Franklin India Smaller Companies Fund. It will neither balloon during the bull market, nor will it under-perform during the bear market.<br />Although the fund invests primarily in high quality mid-cap stocks, it does have an exposure to large-cap stocks, which can offer some cushioning during turbulent times. </span><br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifI1M6NpDn2FRHf_yvwWK8cDHoLKRvbEUUre1bFov244_4P5ALCESLQ-eALvl_BfjYsAySHK-UDxahkNlFtS39iCUxUzbmoeZjcnEHXLBI0EXKRMdRgBuVXy0FjosAOiL8bj2hfNkVFyPQ/s1600/franklinindia.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="best-3-equity-midcap-funds-to-invest-via-sip-in-2016" border="0" height="162" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifI1M6NpDn2FRHf_yvwWK8cDHoLKRvbEUUre1bFov244_4P5ALCESLQ-eALvl_BfjYsAySHK-UDxahkNlFtS39iCUxUzbmoeZjcnEHXLBI0EXKRMdRgBuVXy0FjosAOiL8bj2hfNkVFyPQ/s400/franklinindia.jpg" title="best 3 equity midcap funds to invest via sip in 2016" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">SIP returns for last 5 years </td><td class="tr-caption" style="text-align: center;"><br /></td></tr>
</tbody></table>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZCtu3bUhVjEUCYhAdd8dfI3U967tWjJ6nW_KT2IwvZUgSQJvB0skFpYqYDrq8VuTRWHIqsh31xMVfVVoAcj-NcOhXr7lOec7h25yh5JsYvuHuTZh0oMC5A1RR7ci6_kUD_pf4Ez8XzdQE/s1600/rollingreturnsfranklin.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="191" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZCtu3bUhVjEUCYhAdd8dfI3U967tWjJ6nW_KT2IwvZUgSQJvB0skFpYqYDrq8VuTRWHIqsh31xMVfVVoAcj-NcOhXr7lOec7h25yh5JsYvuHuTZh0oMC5A1RR7ci6_kUD_pf4Ez8XzdQE/s400/rollingreturnsfranklin.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Rolling Returns for 3 year </td></tr>
</tbody></table>
<br />
<span style="font-size: large;">Rs 1,000 invested in the fund on 23/06/2011 would have grown to around Rs 3022.18 (compounded annualized return of 25.29 per cent) as on June 24. A similar investment in the benchmark would have grown to Rs 1760 (11.96 per cent).</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">A monthly systematic investment plan (SIP) of Rs 1,000 for a period of five years (on a principal of Rs 60,000) would grow to around Rs 129036, delivering an annualized return of 31.22 per cent. </span><br />
<br />
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<span style="font-size: medium;"><span style="font-size: x-small;">In case of any further explanation you can reach me on vipuls1979@gmail.com or tweet me @vipuls1979</span></span><br />
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com10tag:blogger.com,1999:blog-6554017070621975222.post-7813531947300555382016-06-23T18:58:00.002+05:302016-06-23T18:58:52.425+05:30Credit Opportunities Fund - A Complete Guide<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-size: large;"><i>If you have a slightly higher risk appetite and investment horizon of 18 to 24 months you can consider Credit Opportunities Fund </i></span><br />
<br />
<span style="font-size: large;">While retail investors showed great interest in equity mutual funds in the last two years, another debt fund known as credit opportunities fund too saw higher participation by investors. In the past 18-24 months retail investors have continued to pour their money into these debt categories as they have given better returns.<br /><br />Since mid-2014, credit opportunities funds have been the flavor of the season as several fund houses have launched them on the back of huge demand from investors. <br />In 2014 alone, over 15 credit opportunities schemes were launched. In the last calendar year though, it had slowed down to six scheme launches by various fund houses.</span><br />
<br />
<span style="font-size: large;"><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPYqhAdCG15xHls2bZnCGyVsg-da5NELnnxK7At-ghagV3QTLTiL-ZBWsmfJMtVn144aGMhKtE-YxmCs3XU76ncOAdxR3NpcIC9cGGsvOG56dcUGNjB9QIUltGUsrOZYgb70ISTWy7acOV/s1600/credit-opportunities-fund.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="Credit-Opportunities-Fund" border="0" height="135" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPYqhAdCG15xHls2bZnCGyVsg-da5NELnnxK7At-ghagV3QTLTiL-ZBWsmfJMtVn144aGMhKtE-YxmCs3XU76ncOAdxR3NpcIC9cGGsvOG56dcUGNjB9QIUltGUsrOZYgb70ISTWy7acOV/s400/credit-opportunities-fund.png" title="Credit Opportunities Fund" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Image Source : Advisorkhoj</td></tr>
</tbody></table>
<br />This article explains the history, advantages and disadvantages of credit opportunities funds and how investors should invest in them</span><br />
<br />
<h2 style="text-align: left;">
<span style="font-size: large;"><i>WHAT ARE CREDIT OPPORTUNITIES FUNDS</i> ?</span></h2>
<span style="font-size: large;"><br />A credit opportunity fund is a type of debt fund in addition to <a href="http://investkiyakya.blogspot.in/2016/06/liquid-funds-better-than-savings-bank-account.html" target="_blank">liquid</a>, income and gilt funds. The credit opportunities fund adopts an accrual strategy and takes credit risk for the sake of generating high yield to provide better returns<br /><br />Many funds like short-term debt funds, which invest part of the overall portfolio in a lower-rated paper to deliver higher returns fall in the ambit of credit opportunities funds. Credit opportunities funds aim to generate higher returns by investing in reasonable credit quality securities with a diversified approach. <br /><br />Typically, credit opportunities funds invest in low credit-rated funds like less than “AA” rated. Lower the credit rate, higher the return. But on the other hand, the risk of default also increases. This could eventually impact returns on the funds.<br /><br />Unlike debt funds like income or gilt funds, which generate returns through price appreciation in underlying bonds by timing the interest rate cycle and playing the duration strategy, credit opportunities funds adopts an accrual strategy where returns are generated by high yield instruments.<br /><br />While income and gilt funds are exposed to interest rate risks, credit opportunities funds face default risks. In a credit fund, liquidity is also a big risk as most securities rated below AA are not traded actively in the market. In the event of large redemptions, it becomes difficult at times to sell such securities at the desired price. It may force credit opportunities fund to exit from more liquid securities to provide for redemptions, enhancing the risk profile of the fund.<br /><br />It needs to be noted that, in both the downgrades that have happened in the past, investors have lost some returns as NAVs of the schemes have come down. Fund houses were forced to sell their underlying papers as loss, eventually hurting their profits.</span><br />
<br />
<h3 style="text-align: left;">
<i><span style="font-size: large;">WHAT WENT WRONG WITH CREDIT OPPORTUNITIES FUNDS?</span></i></h3>
<span style="font-size: large;"><br />Credit opportunities funds were delivering stronger returns and had, therefore, caught investors’ attention. In the last three years, credit opportunities funds on an average have given returns of around 10%, higher than income and gilt funds that gave 8% and 9% returns respectively, in the same time frame. Even in the last one year it managed to give 9% returns, which is still higher than other debt instruments.<br /><br />Here investors thought that these kinds of returns were possible if one took interest rate risks. However, there are a few funds in the income accrual category that deliver high returns for taking on a different kind of risk, known as ‘credit risk’ through investments in corporate bonds.<br />Fund managers managing credit opportunities funds are willing to bet on improving fundamentals by taking exposures in debt instruments of such companies as they offer attractive coupon rates. Such funds aim to generate higher income on a regular basis, without having to worry too much about interest rate movements.<br /><br />Global capital markets have witnessed extreme volatility in the last one year with a sharp fall in commodity prices, particularly crude oil, sharp depreciation of merging market currencies and weak global equity markets.<br /><br />All these have led to a sharp change in fundamentals of many companies, particularly those that are related to commodity sectors like metals, oil and gas, which have been worst hit.The case is same with other domestic companies and sectors. Credit ratings of a number of manufacturing companies from the steel, oil & gas, textiles, etc, sectors have been downgraded due to the drop in margins. With global commodity prices trading near all-time lows with no signs of reversal, the stress in related sectors may continue in the near term.But in the last few months, credit quality of portfolios of debt mutual funds have come under the scanner following credit rating downgrades of a few companies by rating agencies. <br /><br />Having said that, many industry players believe that there is no major structural change in the overall credit environment; there is a need to exercise caution while investing in such financial products<br /><br /><br /><i>WHAT SHOULD YOU DO WHILE INVESTING IN CREDIT OPPORTUNITIES FUNDS </i>?<br /><br />Any investment vehicle - be it equity or debt - needs to invest by matching risk profile with the risk return profile of investors, especially now when there is weakness in the global and domestic economic environment.Investors should remember higher the exposure of a fund to below AAA rated debt papers, higher would be the return. But at the same time there is higher credit risk in case of a rating downgrade or an eventual default. <br /><br />Therefore, conservative investors should avoid investing in funds having higher exposure to A or AA-rated papers. On the other hand aggressive investors may select funds with higher below AAA-rated papers depending upon their risk appetite.<br />Corporate bond funds are suitable only if investors wish to hold it for not less than three years (please note that most funds have a steep exit load for redemptions before this period), and if they can take higher risks than they would take for other debt funds. They should also be prepared for short periods of negative returns.<br /><br />Investors should match their time horizon with the fund’s modified duration to ensure that their time frame matches with that of the fund. Also, watch out for high exit loads. Ultimately, investors must invest in them only if they appreciate fully the risks these funds hold. The three-year holding period, besides lowering risk, <br />will also ensure that investors enjoy the capital gain indexation benefit.<br /><br />The main plan to invest in credit opportunities fund is to cushion the risk of what investors have already in equity investment by diversifying efficiently. So, investors who are not willing to take risks should invest in other debt products, while investors who understand the risks and are willing to have investment horizon of three to five years should allocate some portion of the money to credit opportunities funds.</span><br />
<span style="font-size: large;"></span><br />
<span style="font-size: large;"></span><br />
<span style="font-size: large;">Best 3 Credit Opportunities Funds</span><br />
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<thead>
<tr class="tableizer-firstrow"><th>Fund</th><th>1 Month Return </th><th>3 Month Return </th><th>1 Year Return </th><th>3 Year Return </th><th>Expense Ratio </th><th>Alpha </th></tr>
</thead><tbody>
<tr><td>SBI Corporate Bond Fund </td><td>0.7</td><td>2.5</td><td>9.54</td><td>10.35</td><td>1.66%</td><td>4.74</td></tr>
<tr><td>DSP BlackRock Income Opportunities Fund</td><td>0.74</td><td>2.41</td><td>9.7</td><td>9.6</td><td>1.80%</td><td>3.62</td></tr>
<tr><td>Kotak Income Opportunities Fund - Regular Plan</td><td>0.76</td><td>1.19</td><td>9.17</td><td>9.03</td><td>1.60%</td><td>2.92</td></tr>
</tbody></table>
<span style="font-size: large;"><br /><br /><br />TO SUMMARIZE <br /><br />The rate cut by the Reserve Bank of India (RBI) last year and expectations of further rate cut in the current calendar year will help corporate bonds and credit opportunities funds. Assets under management (AUM) of credit opportunities funds has increased significantly over the last four years on the back of record <br />inflows as low sovereign and high grade bond yields pressed investors to lower-rated securities in search of higher yields. <br /><br />The cumulative corpus of credit opportunities funds increased significantly from around 12,000 crore in January ’12 to approximately 63,000 crore as on January ’16.<br />However, investors should not go by names of funds alone. Before investing, investors must look at the holding of corporate bonds, their credit rating, and the average maturity profile of the fund before taking an investment call.<br /><br />The market outlook and the overall credit environment used to be stable prior to the recent global market turmoil, which led fund managers to take exposure to reasonable level of credit risk. However, with the sharp fall in commodity prices especially crude oil recently, slowdown in major global economies, particularly China and sharp depreciation in emerging market currencies, the overall credit environment has deteriorated.<br /><br />Many fund managers have started taking aggressive calls and are moving away from below AA-rated papers over fear of default. Even rate cut expectations have forced several fund managers to look at government securities (G-Secs). <br /><br />In the changed global and domestic environment, there is a need to re-assess the potential credit risk and take a final decision according to the risk profile of an investor.</span><br />
<br />
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<span style="font-size: medium;"><span style="font-size: x-small;">In case of any further explanation you can reach me on vipuls1979@gmail.com or tweet me @vipuls1979</span></span><br />
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com3tag:blogger.com,1999:blog-6554017070621975222.post-38610683202444323122016-06-21T19:12:00.000+05:302016-06-21T19:12:10.757+05:305 Must Have Insurance Policies for Modern Women<div dir="ltr" style="text-align: left;" trbidi="on">
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Modern educated women have proved that they are no less equal than
their male counterparts and can, in fact, multitask better than men in
their families. They earn as much as the men do and have an equal if not
larger contribution to their household expenses.</span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">However,
when it comes to financial planning, only a handful of women carry out
need-based financial planning and are often happy to be covered under
one large safety net for the family at large, which is purchased, more often than not, by the man of the house. </span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">For
women to be truly independent, this has to change. Whether she is a
single woman, married, career-oriented or a homemaker, she must take
charge of her finances and </span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">go about planning her investments to meet her financial goals. </span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">While
women should follow the same principles of planning their investments
as men, their needs are somewhat different from men because of their
life pattern. </span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">The differentiating factors between men and
women are that the mortality rate of women is lower than that of men,
they tend to live longer than men, their careers are interrupted by
their family needs and they often find themselves alone in the last part
of their lives. With these factors in mind, here are five policies that
are a must-have for women</span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="font-family: "arial" , "helvetica" , sans-serif;">M</span>ust read</span> : <a href="http://investkiyakya.blogspot.in/2016/05/how-much-insurance-do-i-need.html" target="_blank">How much insuran</a><a href="http://investkiyakya.blogspot.in/2016/05/how-much-insurance-do-i-need.html" target="_blank">ce do i need</a> </span> </span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b><span style="color: red;">A Term Policy</span></b> </span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Everyone
opting for an insurance plan should choose a term plan with a life risk
and a disability risk, and a woman should think no differently, even if
she is a homemaker. A homemaker may not be bringing in a take home
salary, but the things that he does for her family are of equal or more
economic value. </span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">For instance, if there is no
household help, she does chores like cooking and cleaning all by
herself. She also looks after the kids and takes care of their daily
school work in the absence of a home tutor. </span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Then
there are a so many other things like grocery shopping, bank work, bill
payment, etc, that are also handled by the homemaker. Thus, she saves
money on concierge services. These jobs must be taken into account and a
homemaker should have a life cover, which will give her the required
protection and financial independence in her old age if she outlives her
husband</span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;">Must Read</span> : <a href="http://investkiyakya.blogspot.in/2016/05/mutual-funds-versus-ulip.html" target="_blank">Why You Should Not Invest<span style="font-family: "arial" , "helvetica" , sans-serif;"> in ULIP</span></a> </span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div>
<span style="color: red;"><b><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">A HEALTH POLICY</span></span></b></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">The
modern woman who is trying to balance her home and her career often
falls prey to lifestyle diseases such as high blood pressure and
diabetes post the age of 40, or even earlier. Women are also susceptible
to bone health diseases and breast cancer. </span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Besides there is motherhood,
for which the health insurer should ideally provide a cover for
hospitalization during maternity. Thus, a woman has to pick a health
plan, depending upon her life stage and opt for a plan that has an
adequate critical illness cover. </span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Must Read</span></span> : <a href="http://investkiyakya.blogspot.in/2016/06/term-insurance-policy-for-60-years.html" target="_blank">Why Term Insurance Policy is required till 60 years</a> </span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div>
<b><span style="color: red;"><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">A SAVINGS POLICY</span></span></span></b></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">A
woman is farsighted and tends to save for her future needs. She is
disciplined and traditional in her savings habits and wants to save for
goals like buying gold jewellery that may come in handy on a rainy day
or saving for her children’s education. However, these small savings are
not directed to the right product. They either lie idle in cash or in a
savings account. She can consider investing in a long-term savings
policy instead of the traditional option. These insurance plans give the
dual benefit of investment and insurance based on her risk appetite and
come with the option of periodic cash payouts that give her the
opportunity to meet financial goals at various stages of her life. These
plans also come with waivers in case of certain mishaps and also give
women the flexibility to make partial withdrawals in case of
emergencies. Alternatively, if she is specifically saving for the
education of her children, she could consider a children’s plan instead
which is designed to benefit children in their pursuit of higher
education</span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">M<span style="font-family: "arial" , "helvetica" , sans-serif;">ust Read : <a href="http://investkiyakya.blogspot.in/2016/06/liquid-funds-better-than-savings-bank-account.html" target="_blank">Liquid Funds - Better Alternative to Savings Banks Account</a></span> </span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div>
<span style="color: red;"><b><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">A RETIREMENT POLICY</span></span></b></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Most
working women are so busy with their work and looking after their kids
that they tend to put retirement on a back burner. This is ironic since
women have lower mortality rates and tend to outlive their partners.
Thus, it is of utmost importance to opt for a retirement plan. It makes
sense for women to choose a pension plan </span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">with a suitable
annuity option, where the policyholder continues to receive pension from
her policy that will help her live comfortably in her advanced years.
The factors to watch out for are expenses, a vesting age that matches
your needs and a higher sum assured and accrued bonuses.</span></span><br />
<br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="color: red;">Must Read</span> : <a href="http://investkiyakya.blogspot.in/2016/06/how-to-budget-your-money.html" target="_blank">How to Budget Your Money with 40/30/30 Rule</a> </span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div>
<span style="color: red;"><b><span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">GENERAL INSURANCE</span></span></b></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">If
the recent earthquakes have taught us a lesson it is that it is not
enough to buy just a life cover and health cover. One needs to protect
the roof over one’s head and household items too. </span></span><br />
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">A woman who is the
nurturer of the <span style="font-family: "arial" , "helvetica" , sans-serif;">family</span>, can take the lead in opting for a general
insurance policy that can protect against mishaps such as natural
calamities, burglary incidents or fire breakouts. These insurance
policies for women are offered by non-life insurance companies and can
be customized and tailor-made to suit your needs as a householder, your
geographic location or any other factors that you may find relevant. </span></span></div>
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">The
good news is that there are a slew of products that are being offered
by insurers in each of the mentioned categories that have been
specifically designed for women. The need of the hour is for the modern
woman to take financial planning in her own hands and choose right
insurance products based on her life stage and long-term financial goals</span></span><br />
<br />
<div style="font-size: x-large;">
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="background-color: white; color: #222222;"><b><span style="color: #111111;">PPS:</span></b><span style="color: #111111; line-height: 25px;"> If
you think this page and blog will be useful to any of your friends
please spread the word. A good way to start is to share this page on
your social circle using floating social share bar on the left</span></span><br style="background-color: white; color: #222222; line-height: 18.48px;" /><br style="background-color: white; color: #222222; line-height: 18.48px;" /><span style="background-color: white; color: #222222;">Mutual Funds & Insurance Related Articles :-</span><br style="background-color: white; color: #222222; line-height: 18.48px;" /><br style="background-color: white; color: #222222; line-height: 18.48px;" /><span style="background-color: white; color: #222222;"><a href="http://investkiyakya.blogspot.in/2016/06/benefits-of-systematic-investment-plans.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">Benefits of Systematic Investment Plan</a></span><br style="background-color: white; color: #222222; line-height: 18.48px;" /><span style="background-color: white; color: #222222;"><a href="http://investkiyakya.blogspot.in/2016/06/what-is-systematic-transfer-plan.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">What is Systematic Transfer Plan and How it works ?</a> </span><br style="background-color: white; color: #222222; line-height: 18.48px;" /><span style="background-color: white; color: #222222;"><a href="http://investkiyakya.blogspot.in/2016/06/equity-linked-savings-schemes.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">Advantages of Equity Linked Savings Schemes</a> </span><br style="background-color: white; color: #222222; line-height: 18.48px;" /><span style="background-color: white; color: #222222;"><span style="line-height: 25px;"><a href="http://investkiyakya.blogspot.in/2016/05/best-sip-mutual-funds-long-term-2016.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">Top 3 Mutual Funds to Invest in 2016 for Long Term</a></span></span></span></span></div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="background-color: white; color: #222222;"><span style="line-height: 25px;"><a href="http://investkiyakya.blogspot.in/2016/06/what-is-fixed-maturity-plan-and-its-benefits.html" target="_blank">Understanding Fixed Maturity Plans and it benefits</a></span></span></span></span></div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">
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<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="background-color: white; color: #222222;"><span style="line-height: 25px;"><a href="http://investkiyakya.blogspot.in/2016/06/monthly-income-plans-in-mutual-funds.html" target="_blank">How to generate passive income with MIP in Mutual Funds</a></span></span></span></span></div>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="background-color: white; color: #222222;"><span style="line-height: 25px;"><a href="http://investkiyakya.blogspot.in/2016/06/liquid-funds-better-than-savings-bank-account.html" target="_blank">Liquid Funds : Better Alternative to Savings Bank Account</a> </span></span></span></span></div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;">
</span></span>
<div>
<span style="font-size: large;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="background-color: white; color: #222222;"><a href="http://investkiyakya.blogspot.in/2016/05/how-much-insurance-do-i-need.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">How Much Insurance Do I Need ?</a><br /><a href="https://investkiyakya.blogspot.in/2016/05/how-to-select-mutual-fund-for-portfolio.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">How to Select Mutual Fund for Portfolio ?</a></span><br style="background-color: white; color: #222222; line-height: 18.48px;" /><span style="background-color: white; color: #222222;"><a href="http://investkiyakya.blogspot.in/2016/06/how-to-budget-your-money.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">How to Budget your money with 40/30/30 Rule ?</a><br /><a href="http://investkiyakya.blogspot.in/2016/05/mutual-funds-versus-ulip.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">Mutual Fund Versus ULIP</a> </span><br style="background-color: white; color: #222222; line-height: 18.48px;" /><span style="background-color: white; color: #222222;"><a href="http://investkiyakya.blogspot.in/2016/06/term-insurance-policy-for-60-years.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">Why Term Insurance Policy is required till 60 years ?</a></span></span></span></div>
</div>
</div>
Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com3tag:blogger.com,1999:blog-6554017070621975222.post-31223011724132578692016-06-20T23:25:00.001+05:302016-06-20T23:25:06.831+05:30Liquid Funds - Better Alternative to Savings Banks Account<div dir="ltr" style="text-align: left;" trbidi="on">
<h2 style="text-align: left;">
<span style="font-size: large;">Liquid Funds are ideal parking spot for your surplus cash</span></h2>
<div style="text-align: left;">
<span style="font-size: large;">Mutual fund schemes known as liquid funds /money market funds/cash funds and ultra short-term bond funds/liquid plus funds are ideal options for corporates & investors like you for parking funds for the short term. They allow for a high degree of liquidity, safety higher returns & ease of transaction. They are alternatives to keeping money in a savings bank account/current bank account or a short term bank fixed deposit.<br /> </span></div>
<div style="text-align: left;">
<span style="font-size: large;">Liquid mutual funds, as name suggest offers liquidity plus good returns at the same time.<br /> </span></div>
<div style="text-align: left;">
<span style="font-size: large;">Basic features of liquid/liquid plus mutual funds:</span></div>
<ul style="text-align: left;">
<li><span style="font-size: large;">Open ended debt mutual funds </span></li>
<li><span style="font-size: large;">Their investment predominantly is in very short maturity debt instruments with a residual maturity of 30 days to 18 months.</span></li>
<li><span style="font-size: large;">No exposure to equity.</span></li>
<li><span style="font-size: large;">Regulated by SEBI</span></li>
<li><span style="font-size: large;">Less prone to market risk : No or very little possibility of loss</span></li>
<li><span style="font-size: large;">Easily Redeemable within 24hrs.</span></li>
<li><span style="font-size: large;">Zero entry/exit load – Except in some liquid plus schemes.</span></li>
<li><span style="font-size: large;">Offers good post tax returns.</span></li>
<li><span style="font-size: large;">High yield in current scenario- Current yield range- 8-10% tax free</span></li>
<li><span style="font-size: large;">No TDS</span></li>
<li><span style="font-size: large;">Dividends are tax free in the hands of the investor. </span></li>
<li><span style="font-size: large;">Indexation benefit for units investment above one year. </span></li>
</ul>
<h4 style="text-align: left;">
<span style="color: red; font-size: large;">Features of Liquid Funds</span></h4>
<ul style="text-align: left;">
<li><span style="font-size: large;">Works like a current/saving bank account-absolutely flexible.</span></li>
<li><span style="font-size: large;">One time account opening. Later use of simple transaction form plus cheque or the process can be done online with direct payment/RTGS.</span> </li>
<li><span style="font-size: large;">No need to have multiple accounts / folios – Can deposit/redeem (withdraw) any no. of times, even daily.</span></li>
<li><span style="font-size: large;"><b>In liquid funds</b>, purchase is T-1, i.e., cleared funds are given to the AMC by the cut-off time of 2 pm and availing of previous day’s NAV. Redemption is T+1, i.e., the redemption request is placed within the cut-off time of 3 pm and the proceeds are received the next day.</span></li>
<li><span style="font-size: large;"><b>In Ultra short-term /liquid plus</b>, purchase is on a T+0 bases, i.e., that day’s NAV would be applicable. If the amount is more than Rs 1 crore, clear funds have to be given to the AMC by the cut-off time of 3 pm, otherwise the NAV of the day on which clear funds are being given will be applicable. Redemption is T+1 for USTBs as well. For both fund categories the application should be submitted and time stamped at the AMCs’/RTA’s office within the cut-off time.</span></li>
</ul>
<span style="font-size: large;">The investor can invest in either the growth or dividend option. I would suggest dividend option for less than one year investment & growth for more than 3 year investment to get more tax efficient returns.</span><br />
<span style="font-size: large;"><br /></span>
<span style="color: red; font-size: large;"><b>Generate Income from Weekend Parking</b></span><br />
<span style="font-size: large;"><br />The advantages of liquid funds are that they provide stable returns and T-1 purchase. Another advantage is the declaration of NAVs on Sundays/holidays as well, which means redemption request put in on Friday (within the cut-off time) for proceeds on Monday would be at Sunday’s NAV. Ex. On investment of 1cr on Friday before 2pm & redemption same day before 3 pm. Investor will earn tax free interest for four days i.e. Thursday, Friday, Saturday & Sunday otherwise this fund would have been idle in current account for four days. Investment amount will be credited to the investor bank account on Monday before 11am.</span><br />
<span style="font-size: large;"><br />For a horizon of more than two weeks,(ideally2-4months)investors can avail of the relatively higher returns and tax efficiency of USTBs and for a short horizon of a few days/.weekend parking liquid funds are safer.</span><br />
<br />
<span style="font-size: large;">It is also true that liquid fund returns are currently almost as high as
fixed deposits. But do not go by these returns. When interest rates fall
liquid fund returns will also fall a bit but remain higher than savings
account rate. In such a case, it is still possible that Fixed Deposit rates will
be superior. Liquid funds are not made for investment but instead parking money temporarily. If you want funds comparable to FD, you
should go for </span><a href="http://investkiyakya.blogspot.in/2016/06/monthly-income-plans-in-mutual-funds.html" style="font-size: x-large;" target="_blank">Monthly income funds</a><br />
<br />
<h3 style="background-color: white; margin: 0px; position: relative;">
<span style="color: red; font-family: Arial, Helvetica, sans-serif; font-size: large;">Tax Advantages of Liquid Funds vs Bank Fixed Deposits</span></h3>
<h3 style="background-color: white; margin: 0px; position: relative;">
<span style="color: red; font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span></h3>
<h3 style="background-color: white; margin: 0px; position: relative;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large; font-weight: normal;">Liquid Funds has an advantage when compared to similar investments like Fixed Deposits (FDs). In FDs, Interest earned is added to your income and taxed at your income tax rate. Interest from FD is categorized as "Income from other sources" as per the Income Tax Laws. In the case of Liquid Funds, tax implication depends on the investment option chosen Dividend or Growth</span></h3>
<h3 style="background-color: white; margin: 0px; position: relative;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span></h3>
<h3 style="background-color: white; margin: 0px; position: relative;">
<span style="color: red; font-family: Arial, Helvetica, sans-serif; font-size: large;">Which option to choose ?</span></h3>
<h3 style="background-color: white; margin: 0px; position: relative;">
<span style="color: red; font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span></h3>
<h3 style="background-color: white; margin: 0px; position: relative;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Dividend Option</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: large; font-weight: normal;"> : Dividends in Liquid Funds are tax free in hands of investors but Mutual Fund companies have to pay a 28.33% Dividend Distribution Tax (DDT) including surcharge and cess and 30% plus surcharge and cess for others (33.99%) before distributing it to you as investors</span></h3>
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large; font-weight: normal;"><br /></span></div>
<div>
<div style="font-family: Arial, Helvetica, sans-serif; font-size: x-large;">
<b>Growth Option </b>: If you opt for Growth option, it is subject to Capital Gains Tax. Short Term Capital Gains (if units are held for 36 months or less) are taxed as per the Income Tax Slab Rate of investors. For Long Term Capital Gains (if units are held for more than 36 months) are taxed at 10% without indexation or 20% with indexation. The indexation benefit inflates the cost of purchase lowering long term gains tax liability, which is not the case of FD.</div>
<div style="font-family: Arial, Helvetica, sans-serif; font-size: x-large;">
<br /></div>
<div style="font-size: x-large;">
<span style="color: red; font-family: Arial, Helvetica, sans-serif;"><b>How i generate income with Liquid Funds</b></span></div>
<div>
<span style="color: red; font-family: Arial, Helvetica, sans-serif; font-size: large;"><b><br /></b></span><div style="font-size: medium;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">To give you a practical example how i do generate excess money from Liquid Fund is , My Salary gets credited on 1st of every month in my bank account , Immediately i pay the money towards Utility bills etc & withdraw funds for household expenses. Rest of the money is shifted to liquid funds, i have car loan EMI & SIP, nowadays you don't need to remember about EMI & SIP as you receive SMS. On receiving SMS i redeem the liquid funds up to that extent and amounts automatically gets credited in my bank account.</span></div>
<div style="font-size: medium;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Imagine if the same money would be lying in savings bank account then i would be earning a mere 4% interest where as parking the money in liquid funds i am earning somewhere between 8 - 8.5%</span></div>
<div style="font-size: medium;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Hope you enjoyed the article </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="background-color: white; color: #222222;"><span style="line-height: 25px;"><a href="http://investkiyakya.blogspot.in/2016/06/what-is-fixed-maturity-plan-and-its-benefits.html" target="_blank">Understanding Fixed Maturity Plans and it benefits</a></span></span></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="background-color: white; color: #222222;"><span style="line-height: 25px;"><a href="http://investkiyakya.blogspot.in/2016/06/monthly-income-plans-in-mutual-funds.html" target="_blank">How to generate passive income with MIP in Mutual Funds</a></span></span></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="background-color: white; color: #222222;"><a href="http://investkiyakya.blogspot.in/2016/05/how-much-insurance-do-i-need.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">How Much Insurance Do I Need ?</a><br /><a href="https://investkiyakya.blogspot.in/2016/05/how-to-select-mutual-fund-for-portfolio.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">How to Select Mutual Fund for Portfolio ?</a></span><br style="background-color: white; color: #222222; line-height: 18.48px;" /><span style="background-color: white; color: #222222;"><a href="http://investkiyakya.blogspot.in/2016/06/how-to-budget-your-money.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">How to Budget your money with 40/30/30 Rule ?</a><br /><a href="http://investkiyakya.blogspot.in/2016/05/mutual-funds-versus-ulip.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">Mutual Fund Versus ULIP</a> </span><br style="background-color: white; color: #222222; line-height: 18.48px;" /><span style="background-color: white; color: #222222;"><a href="http://investkiyakya.blogspot.in/2016/06/term-insurance-policy-for-60-years.html" rel="nofollow" style="color: #888888; text-decoration: none;" target="_blank">Why Term Insurance Policy is required till 60 years ?</a></span></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">In case of any further queries or explanation you can reach me on vipuls1979@gmail.com or tweet me @vipuls1979</span><br />
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com2tag:blogger.com,1999:blog-6554017070621975222.post-37564540524768820922016-06-17T16:58:00.000+05:302016-06-17T16:58:02.780+05:30What are Monthly Income Plans in Mutual Funds<div dir="ltr" style="text-align: left;" trbidi="on">
<div dir="ltr" id="docs-internal-guid-a03bf9a5-5db9-e582-1e7d-c0bcc172d030" style="line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt;">
<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;">Raghav Chakroborthy, new General Manager of a private IT firm, started shooting his doubts to his best friend Madhav, when he wanted to save a part of his income for his two little angels.</span></span></div>
<div dir="ltr" id="docs-internal-guid-a03bf9a5-5db9-e582-1e7d-c0bcc172d030" style="line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt;">
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;"> </span></span></div>
<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;">“Oh yes of course Raghav!! Now that you have understood <a href="http://investkiyakya.blogspot.in/2016/05/how-to-select-mutual-fund-for-portfolio.html" target="_blank">how to select mutual fund for your portfolio</a>, I will tell you different schemes in it. You can get your income monthly by getting to Monthly Income Plans (MIP) of Mutual funds.</span></span><br />
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<h2 id="docs-internal-guid-a03bf9a5-5dbb-87b8-03bd-daa3c0616f2f" style="line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-align: left;">
<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: underline; vertical-align: baseline;">Monthly Income Plan (MIPs) </span></span></h2>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;">See…. In a mutual fund scheme, basically the amount is paid in accordance with the fund objective set by the mutual fund house. As you know, the amount that they distribute is in the form of dividends depends on the profit they make.</span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;">These MIPs are generally ‘Debt oriented schemes’. They invest the money in a mixed format- in both equity and debt. They normally keep a ratio of 20:80 or 30:70 or so. Their aim is to give the maximum regular benefits to the investor by reducing the risks.</span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;">Being said so, the major part of the fund will be invested in (70 to 100%) Debt instruments like ‘commercial paper, certificate of deposits, government securities, treasury bills etc., so that they can yield interest on them. The remaining will be invested in Equity.</span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;"> </span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;">This because the former will give stable, safe and consistent income, while the equity will keep on fluctuating in accordance with the portfolio management.</span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;"> </span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;">Now see, even MIP can be done in two ways: MIP Aggressive & MIP Conservative Plans. It depends on the percentage of equity exposure that MIPs take.</span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;">The one’s in which the investment in equity max 20% - 30% can be treated as “MIP Aggressive Plans” and the in which investment in equity is between 0-20% are treated as MIP Conservative. MIP Agressive may offer you better returns on your investment. But yes!! Faster the returns, higher is the risks.”</span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;"> </span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;">“So is there any point of risk?” Raghav was taken aback.</span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;"> </span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;">“Yes… But if you keep a close eye on a few things it would be easy” Madhav consoled</span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;"> </span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;">“What are they?”</span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;"> </span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;">“Mmmm… for example:</span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;">Normally an MIP is affected by the interest rates. There is an inverse relationship between interest rate and MIP. When interest rates goes downwards MIP provide better returns and vice-e-versa </span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;"> </span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;">You have a variety of payout options- monthly, quarterly, half-yearly.</span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;">But they may charge an ‘Exit Load’, of around 1%, if you take it in less than one year of holding.</span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;">I believe that the ideal time for returns in MIPs can be around 3 to 4 years.”</span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;"> </span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;">“So it's not necessary that we get a regular income??” Raghav sounded curious.</span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;"> </span></span></div>
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;">“Well it not like that… You have two options in MIP say:</span></span><br />
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<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "arial"; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline;"><b>Dividend Option</b> : Dividends in MIPs are tax free in hands of investors but Mutual Fund
companies have to pay a 28.33% Dividend Distribution Tax (DDT)
including surcharge and cess and 30% plus surcharge and cess for
others (33.99%) before distributing it to you as investors<br /><br /><b>Growth Option</b>:
If you opt for Growth option, it is subject to Capital Gains Tax. Short
Term Capital Gains (if units are held for 36 months or less) are taxed
as per the Income Tax Slab Rate of investors. For Long Term Capital
Gains (if units are held for more than 36 months) are taxed at 10%
without indexation or 20% with indexation. The indexation benefit
inflates the cost of purchase lowering long term gains tax liability,
which is not the case of FD.<br /><br />The tenure of the holding period
matters, when one has to decide between growth and dividend options. You
can go for the growth option if the holding period is more than a 3
years and for the dividend option if the holding period is less than 1
year<br />
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The reason is that gains from investment in Mutual Funds, if redeemed after 3 year in debt schemes, are considered <br />long-term capital gains. In the case of long-term capital gain, the investor is given the option of choosing between<br />
</span></span><br />
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<li><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: large;">20% tax rate with indexation benefit, and </span></span></li>
<span style="font-family: Arial,Helvetica,sans-serif;">
</span>
<li><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: large;">10% tax rate without the benefit of indexation</span></span></li>
</ul>
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: large;"><span class="p-content"><b>Long- and short-term capital loss-</b> The
good part of MIP is that any short term capital gains made on MIPs can be set
off against short term losses. And long term gain on MIPs can be
set off against long term losses.</span> </span></span></div>
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<br /><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: large;">Check an example of Indexation benefit <a href="http://investkiyakya.blogspot.in/2016/06/what-is-fixed-maturity-plan-and-its-benefits.html" rel="nofollow" target="_blank">here</a> </span></span></div>
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<br /><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: large;">Advantage of MIPs</span></span></div>
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<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: large;"> </span></span></div>
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<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: large;">Some of the features of balanced funds are:<br /> <br /> 1. Provides diversification in its truest sense by investing in bonds and equities<br /> 2. Invests a sizable proportion in equities, hence the returns you receive are decent<br />
3. Provides automatic portfolio re-balancing; an added cushion during
volatile markets. Therefore, when markets are positive, the fund manager
sells equity to maintain its maximum level and vice versa </span></span></div>
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<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: large;">Investors should bear in mind that MIPs are also subject to market risks as both invest in equities. Neither scheme can guarantee income or returns and one should opt for a fund in line with their risk profile and investment objectives.</span></span><br />
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<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: large;">The drawback is that MIPs do not guarantee
returns. But this is not a big worry as the better performing MIPs have
regularly paid dividends. Therefore, for those who want regular incomes,
like senior citizens or people with lower incomes, conventional
products are better as returns are guaranteed. </span></span><br />
<br />
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<a href="http://investkiyakya.blogspot.in/2016/01/what-are-forward-contracts.html" target="_blank">What are Forward Contracts ?</a><br />
<a href="http://investkiyakya.blogspot.in/2016/01/pros-and-cons-of-futures-trading.html" target="_blank">Advantages & Disadvantages of Futures Trading ?</a><br />
<a href="http://investkiyakya.blogspot.in/2013/04/guide-to-option-trading-strategies.html" target="_blank">Guide to Options Trading</a><br />
<a href="http://investkiyakya.blogspot.in/2013/04/long-call-bullish-trading-strategies.html" target="_blank">Long Call - Bullish Trading Strategies</a><br />
<a href="http://investkiyakya.blogspot.in/2013/04/long-put-going-long-in-put-is-strategy.html" target="_blank">Long Put</a><br />
<a href="http://investkiyakya.blogspot.in/2013/04/short-call-bearish-strategy.html" target="_blank">Short Call - Bearish Strategies</a><br />
<a href="http://investkiyakya.blogspot.in/2013/04/sell-put-bullish-strategy.html" target="_blank">Sell Put - Bullish Strategies</a><br />
<a href="http://investkiyakya.blogspot.in/2013/04/buy-straddle-option-straddle.html" target="_blank">Buy Straddle Option</a><br />
<a href="http://investkiyakya.blogspot.in/2013/04/short-straddle-neutral-strategy.html">Short Straddle Option</a><br />
<a href="http://investkiyakya.blogspot.in/2013/04/synthetic-long-call.html" target="_blank">Synthetic Long Call</a><br />
<a href="http://investkiyakya.blogspot.in/2013/04/synthetic-long-put-synthetic-long-put.html" target="_blank">Synthetic Long Put</a><br />
<a href="http://investkiyakya.blogspot.in/2013/04/synthetic-long-futures-bullish-strategy.html" target="_blank">Synthetic Long Futures</a><br />
<a href="http://investkiyakya.blogspot.in/2013/04/synthetic-long-futures-bullish-strategy.html" target="_blank">Synthetic Long Futures</a><br />
</span></span><div class="MsoNoSpacing">
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"><span><a href="http://investkiyakya.blogspot.in/2013/04/synthetic-short-call-bearish-strategy.html" target="_blank">Synthetic Short Call</a></span></span></span></div>
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">
</span></span><div class="MsoNoSpacing">
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;"><span><a href="http://investkiyakya.blogspot.in/2013/04/bullcallspread.html" target="_blank">Bull Call Spread</a></span></span></span></div>
<span style="font-size: large;"><span style="font-family: Arial,Helvetica,sans-serif;">
<span><a href="http://investkiyakya.blogspot.in/2013/04/bullputspread.html" target="_blank">Bull Put Spread</a></span><br />
</span></span><br />
<span style="font-size: small;"><span style="font-size: xx-small;">In case of any further explanation you can reach me on vipuls1979@gmail.com or tweet me @vipuls1979</span></span><br />
<br />
<span style="font-size: xx-small;">Disclaimer :-</span><br />
<br />
<span style="color: black; font-size: 10pt;">The Article is only for information purposes and Vipul Shah (</span><b><span style="color: #ff6600; font-family: "arial rounded mt bold" , "sans-serif"; font-size: 10pt;">https://investkiyakya.blogspot.com</span></b><span style="color: black; font-size: 10pt;">)
is not providing any professional/investment advice through it. The
article does not constitute or is not intended to constitute an offer to
buy or sell, or a solicitation to an offer to buy or sell financial
products, units or securities. </span><b><span style="color: #ff6600; font-family: "arial rounded mt bold" , "sans-serif"; font-size: 10pt;">https://investkiyakya.blogspot.com</span></b><span style="color: #7f7f7f; font-size: 10pt;"> </span><span style="color: black; font-size: 10pt;">disclaims
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are and shall remain with </span><b><span style="color: #ff6600; font-family: "arial rounded mt bold" , "sans-serif"; font-size: 10pt;">https://investkiyakya.blogspot.com</span></b><span style="color: black; font-size: 10pt;">.
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com2tag:blogger.com,1999:blog-6554017070621975222.post-79619767029202826162016-06-13T18:30:00.000+05:302016-06-17T15:26:09.755+05:30Understanding Fixed Maturity Plan (FMP) , Taxation and Benefits<div dir="ltr" style="text-align: left;" trbidi="on">
<div>
<div>
<h2 style="text-align: left;">
<i><span style="font-size: large;">Fixed Maturity Plan : Your Friendly Alternate to Traditional Investment</span></i></h2>
<div style="text-align: left;">
<br /></div>
<div style="text-align: left;">
<span style="color: red;"><b><span style="font-size: large;">Most of us like traditional investments mainly for two reasons:</span></b></span></div>
<ul style="text-align: left;">
<li><span style="font-size: large;">It offers assured returns </span></li>
<li><span style="font-size: large;">It has a date of maturity</span></li>
</ul>
</div>
<span style="font-size: large;">You are comfortable at knowing the value of your savings at maturity accordingly you can plan for your expenses or may be other investments better</span><br />
<br />
<span style="color: red;"><b><span style="font-size: large;">What if you have an investment solution that seeks to provide :</span></b></span><br />
<ul style="text-align: left;">
<li><span style="font-size: large;">a specific maturity date </span></li>
<li><span style="font-size: large;">an exposure to high quality bonds </span></li>
<li><span style="font-size: large;">risk adjusted returns along with tax benefit </span></li>
</ul>
<h3 style="text-align: left;">
<span style="font-size: large;"> </span></h3>
<h3 style="text-align: left;">
<span style="color: red;"><span style="font-size: large;">What is Fixed Maturity Plan : </span></span></h3>
<div style="text-align: left;">
<br /></div>
<div style="text-align: left;">
<span style="font-size: large;">Fixed Maturity Plan matures at a pre specified period and it generally invest in fixed income securities like Non-Convertible Debentures(NCDs), Corporate/Government Bonds, Treasury Bills (T-bills), Commercial Papers(CPs), Certificates of Deposit (CDs), Bank FDs and other money market instruments. </span></div>
<div style="text-align: left;">
<span style="font-size: large;">FMP are closed ended mutual fund scheme. FMP invests only in instruments whose duration is similar to its own term i.e., it aligns its term with that of its underlying assets. For example, recent NFO of ICICI Prudential Fixed Maturity Plan - Series 79 - 1126 Days - Plan C will invest in instruments that mature for 1126 days or before that. </span></div>
<div style="text-align: left;">
<span style="font-size: large;"><br /></span></div>
<h3 style="text-align: left;">
<span style="color: red;"><span style="font-size: large;">Why a Fixed Maturity Plan?</span></span></h3>
<h3 style="text-align: left;">
<span style="font-size: large;"> </span></h3>
<div style="text-align: left;">
<span style="font-size: large;"></span></div>
<ul style="text-align: left;">
<li><span style="font-size: large;">Fixed Maturity Plans aim is to offer risk adjusted returns along with tax benefits.</span></li>
<li><span style="font-size: large;">Currently debt security yields are at elevated levels in the 1-3 year space. It could be a good time to lock into high yield debt issuance of various issuers and hold them till maturity to benefit from the prevailing high interest rates.</span></li>
<li><span style="font-size: large;">While investing in such securities, there is an endeavor to align their maturity with that of the plan to manage the interest rate risk. For instance, an FMP of a three-year maturity will invest only in securities that mature on or before three years.</span></li>
<li><span style="font-size: large;">Because of the size, the fund might invest in securities which are usually not available to retail investors. These securities might offer various benefits such as better credit quality.</span></li>
<li><span style="font-size: large;">Moreover, the returns from FMP have a tax advantage. This may vary from investor to investor and is subject to taxation laws. This tax advantage makes FMP an efficient investment choice </span></li>
</ul>
</div>
<br />
<h3 style="text-align: left;">
<span style="color: red;"><span style="font-size: large;">Tax Advantages of FMP vs Bank Fixed Deposits</span></span></h3>
<div>
<div style="text-align: left;">
<br />
<span style="font-size: large;">FMP has an advantage when compared to similar investments like Fixed Deposits (FDs). In FDs, Interest earned is added to your income and taxed at your income tax rate. Interest from FD is categorized as "Income from other sources" as per the Income Tax Laws. In the case of FMP, tax implication depends on the investment option chosen Dividend or Growth<br /><br /><span style="color: red;"><b>Which option to choose ?</b></span></span><br />
<span style="font-size: large;"><br /><b>Dividend Option</b> : Dividends in FMPs are tax free in hands of investors but Mutual Fund companies have to pay a 28.33% Dividend Distribution Tax (DDT) including surcharge and cess and 30% plus surcharge and cess for others (33.99%) before distributing it to you as investors<br /><br /><b>Growth Option</b>: If you opt for Growth option, it is subject to Capital Gains Tax. Short Term Capital Gains (if units are held for 36 months or less) are taxed as per the Income Tax Slab Rate of investors. For Long Term Capital Gains (if units are held for more than 36 months) are taxed at 10% without indexation or 20% with indexation. The indexation benefit inflates the cost of purchase lowering long term gains tax liability, which is not the case of FD.<br /><br />The tenure of the holding period matters, when one has to decide between growth and dividend options. You can go for the growth option if the holding period is more than a 3 years and for the dividend option if the holding period is less than 1 year</span><br />
<br />
<span style="font-size: large;">The reason is that gains from investment in Mutual Funds, if redeemed after 3 year in debt schemes, are considered <br />long-term capital gains. In the case of long-term capital gain, the investor is given the option of choosing between</span><br />
<ul style="text-align: left;">
<li><span style="font-size: large;">20% tax rate with indexation benefit, and</span><span style="font-size: large;"> </span></li>
<li><span style="font-size: large;">10% tax rate without the benefit of indexation</span></li>
</ul>
</div>
<div style="text-align: left;">
<span style="font-size: large;">Before discussing the benefits of indexation, let’s first understand the concept. Normally, for calculating capital gains, we reduce the cost from the sale value. For calculating long-term capital gains, the amount invested is multiplied by the inflation multiple (Inflation Index for Redemption Year/Inflation Index for Investment Year) and then this indexed cost is subtracted from the amount realized at redemption. The extent of capital gains gets reduced,and so does the tax liability.</span></div>
<div style="text-align: left;">
</div>
<div style="text-align: left;">
<span style="font-size: large;">Below table illustrates the returns of Fixed Deposit vs Fixed Maturity Plan</span></div>
<div style="text-align: left;">
</div>
<div style="text-align: left;">
</div>
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<table class="tableizer-table">
<thead>
<tr class="tableizer-firstrow"><th>Details </th><th>Fixed Deposit </th><th>FMP</th></tr>
</thead><tbody>
<tr><td>Amount Invested (A)</td><td>100000</td><td>100000</td></tr>
<tr><td>Month & Investment Year </td><td>Feb-12</td><td>Feb-12</td></tr>
<tr><td>Rate of Return </td><td>9.50%</td><td>9.50%</td></tr>
<tr><td>Holding Period</td><td>36 Months</td><td>36 Months</td></tr>
<tr><td>Month & Redemption Year </td><td>Feb-15</td><td>Feb-15</td></tr>
<tr><td>Amount at Maturity </td><td>131293</td><td>131293</td></tr>
<tr><td>Gain </td><td>31293</td><td>31293</td></tr>
<tr><td>Index Cost </td><td>NA</td><td>130446</td></tr>
<tr><td>Capital Gain </td><td>31293</td><td>847</td></tr>
<tr><td>Tax Rate </td><td>30.90%</td><td>20.60%</td></tr>
<tr><td>Tax Payable </td><td>9670</td><td>175</td></tr>
<tr><td>Post Tax return</td><td>21623</td><td>31118</td></tr>
</tbody></table>
</div>
<br />
<span style="font-size: large;">In our example above Cost Inflation Index (CII) for year of redemption (2014-15) is 1024 and year of purcahse (2011-12) is 785. The indexed cost of purchase = (A*1024/785)<br /> </span><br />
<span style="font-size: large;">Highest bracket of tax rate has been taken based on current IT slabs.</span><br />
<br />
<span style="font-size: large;">It is difficult to redeem Fixed Maturity Plans before the maturity or final date of
redemption. Investors looking for redemption before maturity have to sell
the units on the stock exchange. As per guidelines, all FMP schemes are
listed on the stock exchanges however; trading is rarely done on the
units.</span><br />
<br />
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<span style="font-size: medium;"><span style="font-size: x-small;">In case of any further explanation you can reach me on vipuls1979@gmail.com or tweet me @vipuls1979</span></span><br />
<br />
<span style="font-size: x-small;">Disclaimer :-</span><br />
<br />
<span style="color: black; font-size: 10pt;">The Article is only for information purposes and Vipul Shah (</span><b><span style="color: #ff6600; font-family: "arial rounded mt bold" , "sans-serif"; font-size: 10pt;">https://investkiyakya.blogspot.com</span></b><span style="color: black; font-size: 10pt;">)
is not providing any professional/investment advice through it. The
article does not constitute or is not intended to constitute an offer to
buy or sell, or a solicitation to an offer to buy or sell financial
products, units or securities. </span><b><span style="color: #ff6600; font-family: "arial rounded mt bold" , "sans-serif"; font-size: 10pt;">https://investkiyakya.blogspot.com</span></b><span style="color: #7f7f7f; font-size: 10pt;"> </span><span style="color: black; font-size: 10pt;">disclaims
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employees, personnel, directors will not be responsible for any
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Anonymoushttp://www.blogger.com/profile/06727273080359308054noreply@blogger.com0tag:blogger.com,1999:blog-6554017070621975222.post-46721881538274437552016-06-10T10:40:00.000+05:302016-06-13T18:31:16.772+05:30What is Systematic Transfer Plan ? How Does it Work ?<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-size: large;">Systematic Transfer Plan is a Strategy where an investor transfers a fixed amount of money from one category of fund to another,usually from a Debt fund to an Equity Fund.</span><br />
<div class="separator" style="clear: both; text-align: center;">
<span style="font-size: large;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiWHo17HWEBD093szcWmsAcq1hIIICvHSZa_rzt_wRiI8dOMuyiRQx_8I5A6EcBwSVHzw5bgs76SSiz-h1suiDG6rGrTo9y0BerQC_BDFVG1kj8LNAaN_PTzvrZUr4U9HI9buhjjq9S8b8R/s1600/stp.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Benefits-of-Systematic-Transfer-Plan" border="0" height="216" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiWHo17HWEBD093szcWmsAcq1hIIICvHSZa_rzt_wRiI8dOMuyiRQx_8I5A6EcBwSVHzw5bgs76SSiz-h1suiDG6rGrTo9y0BerQC_BDFVG1kj8LNAaN_PTzvrZUr4U9HI9buhjjq9S8b8R/s400/stp.jpg" title="Benefits-of-Systematic-Transfer-Plan" width="400" /></a></span></div>
<br />
<br />
<span style="font-size: large;">Investing a Lump sum amount in stocks of equity mutual fund could be dicey for some investor considering the volatility of equity markets and returns in equity mutual fund is linked to the performance of stock markets. STP helps to keep a balance of risk and return. Further, it helps investor invest in equity at appropriate time and till then, investor enjoy debt returns.</span><br />
<br />
<h3 style="text-align: left;">
<span style="font-size: large;">Benefits of Systematic Transfer Plan (STP) </span></h3>
<div style="text-align: left;">
<br /></div>
<div style="text-align: left;">
<span style="font-size: large;"><b>Consistent Return : </b>Money invested lumpsum in debt fund earned interest till the time it is transferred to equity fund. The returns in the debt fund are usually higher than returns from savings bank account and assure relative performance.</span></div>
<div style="text-align: left;">
<span style="font-size: large;"><br /></span></div>
<div style="text-align: left;">
<span style="font-size: large;"><b>Averaging of Cost</b> :<b> </b>STP has some integral features of <a href="http://investkiyakya.blogspot.in/2016/06/benefits-of-systematic-investment-plans.html" target="_blank">systematic investment plan</a> (SIP). One of the difference between STP and SIP is source of investment. In case of STP money is transferred usually from a debt fund and in case of SIP, it is the investor's bank account. Since it is similar to SIP, STP also helps in rupee averaging cost.</span></div>
<div style="text-align: left;">
<span style="font-size: large;"><br /></span></div>
<div style="text-align: left;">
<span style="font-size: large;"><b>Re-balancing portfolio :</b> An investor's portfolio should be balanced between equity and debt. STP helps in re-balancing the portfolio by reallocating investment from debt to equity or vice versa</span></div>
<div style="text-align: left;">
<br /></div>
<h3 style="text-align: left;">
<span style="font-size: large;">How does STP Work ?</span></h3>
<h3 style="text-align: left;">
<span style="font-size: large;"><br /></span></h3>
<div style="text-align: left;">
<span style="font-size: large;">Imagine you won a lottery of Rs 5 Lakhs and you want to invest in equity market but at the back of the mind you are not willing to take risk to entirely bet your 5 lakh on equity.</span></div>
<div style="text-align: left;">
<br /></div>
<div style="text-align: left;">
<span style="font-size: large;">So here you will invest Rs 5 Lakhs via STP. You will have to select a source scheme (debt scheme) and a target scheme (equity scheme) , a fixed transfer date and a fixed amount.</span><br />
<span style="font-size: large;">In below example date is 25th of every month & 5000 would be transferred from ICICI Prudential Liquid Growth (DEBT) and transferred to ICICI PRU Value Discovery Fund - Growth (Equity)</span><br />
<span style="font-size: large;">Every month Rs 5000 would be transferred from Debt Scheme to Equity Growth Scheme </span></div>
<div style="text-align: left;">
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<table class="tableizer-table">
<thead>
<tr class="tableizer-firstrow"><th>STP - Transferor Scheme : ICICI Prudential Liquid Plan - Growth</th><th></th><th></th><th></th><th></th><th></th></tr>
</thead><tbody>
<tr><td>Period</td><td>STP Start Date</td><td>Total No. Units Accumulated</td><td>Total Amount Transferred</td><td>Scheme Market Value(Rs.)</td><td></td></tr>
<tr><td>01-Jan-2013 to 08-Jun-2016</td><td>01-Jan-13</td><td>1,900.87</td><td>205,000.00</td><td>431,964.74</td><td></td></tr>
<tr><td></td><td></td><td></td><td></td><td></td><td></td></tr>
<tr><td>NAV Date</td><td>NAV</td><td>Units</td><td>Cash Flow</td><td>Amount</td><td>STCG/LTGC</td></tr>
<tr><td>01-Jan-13</td><td>169.91</td><td>2,942.77</td><td>-500,000.00</td><td>500,000.00</td><td></td></tr>
<tr><td>27-Jan-13</td><td>170.93</td><td>2,913.52</td><td>5,000.00</td><td>495,000.00</td><td>STCG</td></tr>
<tr><td>25-Feb-13</td><td>172.06</td><td>2,884.46</td><td>5,000.00</td><td>490,000.00</td><td>STCG</td></tr>
<tr><td>25-Mar-13</td><td>173.19</td><td>2,855.59</td><td>5,000.00</td><td>485,000.00</td><td>STCG</td></tr>
<tr><td>25-Apr-13</td><td>174.57</td><td>2,826.95</td><td>5,000.00</td><td>480,000.00</td><td>STCG</td></tr>
<tr><td>26-May-13</td><td>175.83</td><td>2,798.51</td><td>5,000.00</td><td>475,000.00</td><td>STCG</td></tr>
<tr><td>25-Jun-13</td><td>177</td><td>2,770.26</td><td>5,000.00</td><td>470,000.00</td><td>STCG</td></tr>
<tr><td>25-Jul-13</td><td>177.78</td><td>2,742.14</td><td>5,000.00</td><td>465,000.00</td><td>STCG</td></tr>
<tr><td>25-Aug-13</td><td>179.38</td><td>2,714.26</td><td>5,000.00</td><td>460,000.00</td><td>STCG</td></tr>
<tr><td>25-Sep-13</td><td>181.02</td><td>2,686.64</td><td>5,000.00</td><td>455,000.00</td><td>STCG</td></tr>
<tr><td>25-Oct-13</td><td>182.53</td><td>2,659.25</td><td>5,000.00</td><td>450,000.00</td><td>STCG</td></tr>
<tr><td>25-Nov-13</td><td>183.99</td><td>2,632.08</td><td>5,000.00</td><td>445,000.00</td><td>STCG</td></tr>
<tr><td>25-Dec-13</td><td>185.36</td><td>2,605.10</td><td>5,000.00</td><td>440,000.00</td><td>STCG</td></tr>
<tr><td>26-Jan-14</td><td>186.81</td><td>2,578.34</td><td>5,000.00</td><td>435,000.00</td><td>STCG</td></tr>
<tr><td>25-Feb-14</td><td>188.12</td><td>2,551.76</td><td>5,000.00</td><td>430,000.00</td><td>STCG</td></tr>
<tr><td>25-Mar-14</td><td>189.44</td><td>2,525.36</td><td>5,000.00</td><td>425,000.00</td><td>STCG</td></tr>
<tr><td>25-Apr-14</td><td>191.01</td><td>2,499.19</td><td>5,000.00</td><td>420,000.00</td><td>STCG</td></tr>
<tr><td>25-May-14</td><td>192.41</td><td>2,473.20</td><td>5,000.00</td><td>415,000.00</td><td>STCG</td></tr>
<tr><td>25-Jun-14</td><td>193.82</td><td>2,447.41</td><td>5,000.00</td><td>410,000.00</td><td>STCG</td></tr>
<tr><td>25-Jul-14</td><td>195.19</td><td>2,421.79</td><td>5,000.00</td><td>405,000.00</td><td>STCG</td></tr>
<tr><td>25-Aug-14</td><td>196.59</td><td>2,396.36</td><td>5,000.00</td><td>400,000.00</td><td>STCG</td></tr>
<tr><td>25-Sep-14</td><td>198.03</td><td>2,371.11</td><td>5,000.00</td><td>395,000.00</td><td>STCG</td></tr>
<tr><td>26-Oct-14</td><td>199.49</td><td>2,346.04</td><td>5,000.00</td><td>390,000.00</td><td>STCG</td></tr>
<tr><td>25-Nov-14</td><td>200.89</td><td>2,321.15</td><td>5,000.00</td><td>385,000.00</td><td>STCG</td></tr>
<tr><td>25-Dec-14</td><td>202.28</td><td>2,296.44</td><td>5,000.00</td><td>380,000.00</td><td>STCG</td></tr>
<tr><td>26-Jan-15</td><td>203.78</td><td>2,271.90</td><td>5,000.00</td><td>375,000.00</td><td>STCG</td></tr>
<tr><td>25-Feb-15</td><td>205.17</td><td>2,247.53</td><td>5,000.00</td><td>370,000.00</td><td>STCG</td></tr>
<tr><td>25-Mar-15</td><td>206.51</td><td>2,223.32</td><td>5,000.00</td><td>365,000.00</td><td>STCG</td></tr>
<tr><td>26-Apr-15</td><td>208.14</td><td>2,199.30</td><td>5,000.00</td><td>360,000.00</td><td>STCG</td></tr>
<tr><td>25-May-15</td><td>209.52</td><td>2,175.43</td><td>5,000.00</td><td>355,000.00</td><td>STCG</td></tr>
<tr><td>25-Jun-15</td><td>210.97</td><td>2,151.73</td><td>5,000.00</td><td>350,000.00</td><td>STCG</td></tr>
<tr><td>26-Jul-15</td><td>212.39</td><td>2,128.19</td><td>5,000.00</td><td>345,000.00</td><td>STCG</td></tr>
<tr><td>25-Aug-15</td><td>213.75</td><td>2,104.80</td><td>5,000.00</td><td>340,000.00</td><td>STCG</td></tr>
<tr><td>27-Sep-15</td><td>215.2</td><td>2,081.56</td><td>5,000.00</td><td>335,000.00</td><td>STCG</td></tr>
<tr><td>25-Oct-15</td><td>216.48</td><td>2,058.47</td><td>5,000.00</td><td>330,000.00</td><td>STCG</td></tr>
<tr><td>25-Nov-15</td><td>217.84</td><td>2,035.52</td><td>5,000.00</td><td>325,000.00</td><td>STCG</td></tr>
<tr><td>27-Dec-15</td><td>219.26</td><td>2,012.71</td><td>5,000.00</td><td>320,000.00</td><td>STCG</td></tr>
<tr><td>25-Jan-16</td><td>220.56</td><td>1,990.04</td><td>5,000.00</td><td>315,000.00</td><td>LTCG</td></tr>
<tr><td>25-Feb-16</td><td>221.97</td><td>1,967.52</td><td>5,000.00</td><td>310,000.00</td><td>LTCG</td></tr>
<tr><td>27-Mar-16</td><td>223.5</td><td>1,945.14</td><td>5,000.00</td><td>305,000.00</td><td>LTCG</td></tr>
<tr><td>25-Apr-16</td><td>225.12</td><td>1,922.93</td><td>5,000.00</td><td>300,000.00</td><td>LTCG</td></tr>
<tr><td>25-May-16</td><td>226.58</td><td>1,900.87</td><td>5,000.00</td><td>295,000.00</td><td>LTCG</td></tr>
<tr><td>08-Jun-16</td><td>227.25</td><td>1,900.87</td><td>431,964.74</td><td>295,000.00</td></tr>
</tbody></table>
<br />
<table class="tableizer-table"><tbody></tbody></table>
<span style="font-size: large;">From the above table we can identify that, With a lump sum investment of Rs 5 Lakhs in debt fund , even after transfer of 295000 (41 Months x 5000) , your value in debt fund is Rs 431964.74 which is approximate 8.88% return</span></div>
<div style="text-align: left;">
<br /></div>
<div style="text-align: left;">
<br />
<span style="font-size: large;">In case if you withdraw money from liquid funds before 36 months from date of investments then short term capital gain (STCG) is levied else long term capital gain tax is levied (LTCG) and because of this reason it is been mentioned STCG & LTCG in the above example </span></div>
<div style="text-align: left;">
<br />
<span style="font-size: large;">Let us see the value of equity growth fund now for which we transferred 5000 every month from debt fund.</span></div>
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<table class="tableizer-table">
<thead>
<tr class="tableizer-firstrow"><th>STP - Transferee Scheme : ICICI Prudential Value Discovery Fund - Growth</th><th></th><th></th><th></th><th></th></tr>
</thead><tbody>
<tr><td>Period</td><td>STP Start Date</td><td>Total No. Units Accumulated</td><td>Total Amount Invested</td><td>Scheme Market Value(Rs.)</td></tr>
<tr><td>01-Jan-2013 to 08-Jun-2016</td><td>01-Jan-13</td><td>2,593.17</td><td>205,000.00</td><td>301,896.92</td></tr>
<tr><td></td><td></td><td></td><td></td><td></td></tr>
<tr><td>NAV Date</td><td>NAV</td><td>Units</td><td>Cash Flow</td><td>Amount</td></tr>
<tr><td>25-Jan-13</td><td>58.12</td><td>86.03</td><td>-5,000.00</td><td>5,000.00</td></tr>
<tr><td>25-Feb-13</td><td>55.31</td><td>176.43</td><td>-5,000.00</td><td>10,000.00</td></tr>
<tr><td>25-Mar-13</td><td>52.85</td><td>271.04</td><td>-5,000.00</td><td>15,000.00</td></tr>
<tr><td>25-Apr-13</td><td>54.94</td><td>362.04</td><td>-5,000.00</td><td>20,000.00</td></tr>
<tr><td>24-May-13</td><td>54.17</td><td>454.35</td><td>-5,000.00</td><td>25,000.00</td></tr>
<tr><td>25-Jun-13</td><td>49.97</td><td>554.41</td><td>-5,000.00</td><td>30,000.00</td></tr>
<tr><td>25-Jul-13</td><td>50.76</td><td>652.91</td><td>-5,000.00</td><td>35,000.00</td></tr>
<tr><td>23-Aug-13</td><td>49.28</td><td>754.37</td><td>-5,000.00</td><td>40,000.00</td></tr>
<tr><td>25-Sep-13</td><td>52.99</td><td>848.73</td><td>-5,000.00</td><td>45,000.00</td></tr>
<tr><td>25-Oct-13</td><td>55.85</td><td>938.25</td><td>-5,000.00</td><td>50,000.00</td></tr>
<tr><td>25-Nov-13</td><td>58.23</td><td>1,024.12</td><td>-5,000.00</td><td>55,000.00</td></tr>
<tr><td>24-Dec-13</td><td>61.59</td><td>1,105.30</td><td>-5,000.00</td><td>60,000.00</td></tr>
<tr><td>24-Jan-14</td><td>60.26</td><td>1,188.28</td><td>-5,000.00</td><td>65,000.00</td></tr>
<tr><td>25-Feb-14</td><td>61.93</td><td>1,269.01</td><td>-5,000.00</td><td>70,000.00</td></tr>
<tr><td>25-Mar-14</td><td>66.22</td><td>1,344.52</td><td>-5,000.00</td><td>75,000.00</td></tr>
<tr><td>25-Apr-14</td><td>71.66</td><td>1,414.29</td><td>-5,000.00</td><td>80,000.00</td></tr>
<tr><td>23-May-14</td><td>84.58</td><td>1,473.41</td><td>-5,000.00</td><td>85,000.00</td></tr>
<tr><td>25-Jun-14</td><td>89.11</td><td>1,529.52</td><td>-5,000.00</td><td>90,000.00</td></tr>
<tr><td>25-Jul-14</td><td>91.93</td><td>1,583.91</td><td>-5,000.00</td><td>95,000.00</td></tr>
<tr><td>25-Aug-14</td><td>96.65</td><td>1,635.64</td><td>-5,000.00</td><td>100,000.00</td></tr>
<tr><td>25-Sep-14</td><td>97.86</td><td>1,686.73</td><td>-5,000.00</td><td>105,000.00</td></tr>
<tr><td>22-Oct-14</td><td>99.93</td><td>1,736.77</td><td>-5,000.00</td><td>110,000.00</td></tr>
<tr><td>25-Nov-14</td><td>105.39</td><td>1,784.21</td><td>-5,000.00</td><td>115,000.00</td></tr>
<tr><td>24-Dec-14</td><td>105.06</td><td>1,831.80</td><td>-5,000.00</td><td>120,000.00</td></tr>
<tr><td>23-Jan-15</td><td>113.62</td><td>1,875.81</td><td>-5,000.00</td><td>125,000.00</td></tr>
<tr><td>25-Feb-15</td><td>114.72</td><td>1,919.39</td><td>-5,000.00</td><td>130,000.00</td></tr>
<tr><td>25-Mar-15</td><td>114.3</td><td>1,963.14</td><td>-5,000.00</td><td>135,000.00</td></tr>
<tr><td>24-Apr-15</td><td>111.28</td><td>2,008.07</td><td>-5,000.00</td><td>140,000.00</td></tr>
<tr><td>25-May-15</td><td>114.89</td><td>2,051.59</td><td>-5,000.00</td><td>145,000.00</td></tr>
<tr><td>25-Jun-15</td><td>114.75</td><td>2,095.16</td><td>-5,000.00</td><td>150,000.00</td></tr>
<tr><td>24-Jul-15</td><td>117.07</td><td>2,137.87</td><td>-5,000.00</td><td>155,000.00</td></tr>
<tr><td>25-Aug-15</td><td>111.71</td><td>2,182.63</td><td>-5,000.00</td><td>160,000.00</td></tr>
<tr><td>24-Sep-15</td><td>111.36</td><td>2,227.53</td><td>-5,000.00</td><td>165,000.00</td></tr>
<tr><td>23-Oct-15</td><td>115.17</td><td>2,270.94</td><td>-5,000.00</td><td>170,000.00</td></tr>
<tr><td>24-Nov-15</td><td>114.08</td><td>2,314.77</td><td>-5,000.00</td><td>175,000.00</td></tr>
<tr><td>24-Dec-15</td><td>113.03</td><td>2,359.01</td><td>-5,000.00</td><td>180,000.00</td></tr>
<tr><td>25-Jan-16</td><td>105.52</td><td>2,406.39</td><td>-5,000.00</td><td>185,000.00</td></tr>
<tr><td>25-Feb-16</td><td>97.5</td><td>2,457.68</td><td>-5,000.00</td><td>190,000.00</td></tr>
<tr><td>23-Mar-16</td><td>108.33</td><td>2,503.83</td><td>-5,000.00</td><td>195,000.00</td></tr>
<tr><td>25-Apr-16</td><td>112.86</td><td>2,548.13</td><td>-5,000.00</td><td>200,000.00</td></tr>
<tr><td>25-May-16</td><td>111.02</td><td>2,593.17</td><td>-5,000.00</td><td>205,000.00</td></tr>
<tr><td>08-Jun-16</td><td>116.42</td><td>2,593.17</td><td>301,896.92</td><td>205,000.00</td></tr>
</tbody></table>
<div style="text-align: left;">
<br />
<span style="font-size: large;">In Equity Fund your amount invested for Rs 205000 is now Rs 301896.92 which is approximate 23.87 returns </span><br />
<br />
<span style="font-size: large;">Your Investment value on 5 lakhs is as on debt fund value + equity fund value i.e 431964 + 301896 = 733,860 in 41 months</span></div>
<div style="text-align: left;">
<span style="font-size: large;"><br /></span></div>
<div style="text-align: left;">
<span style="font-size: large;">Can you see the benefits of systematic transfer plan which offers consistent return , re balancing your portfolio and rupee averaging cost.</span><br />
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<span style="color: #333333; font-family: "arial" , sans-serif; font-size: large;"><span style="line-height: 27.6px;">Be a smart and informed investor – check <a href="http://investkiyakya.blogspot.in/2016/05/how-much-insurance-do-i-need.html" target="_blank">how much insurance do you need</a> and why you should in invest in <a href="http://investkiyakya.blogspot.in/2016/05/mutual-funds-versus-ulip.html" target="_blank">Mutual Funds versus ULIP</a> after analyzing the above two you can invest money via <a href="http://investkiyakya.blogspot.in/2016/06/benefits-of-systematic-investment-plans.html" target="_blank">SIP</a> in <a href="http://investkiyakya.blogspot.in/2016/05/best-sip-mutual-funds-long-term-2016.html" target="_blank">best 3 equity mutual funds in India</a> for Retirement</span></span><br />
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<span style="font-size: medium;">Futures & Options related article :</span></div>
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<span style="font-size: medium;"><a href="http://investkiyakya.blogspot.in/2013/04/synthetic-short-call-bearish-strategy.html" target="_blank">Synthetic Short Call</a></span></div>
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<span style="font-size: medium;"><a href="http://investkiyakya.blogspot.in/2013/04/bullcallspread.html" target="_blank">Bull Call Spread</a></span></div>
<span style="font-size: medium;"><a href="http://investkiyakya.blogspot.in/2013/04/bullputspread.html" target="_blank">Bull Put Spread</a></span><br />
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<span style="font-size: medium;"><span style="font-size: x-small;">In case of any further explanation you can reach me on vipuls1979@gmail.com or tweet me @vipuls1979</span></span><br />
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<span style="font-size: x-small;">Disclaimer :-</span><br />
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<span style="color: black; font-size: 10pt;">The Article is only for information purposes and Vipul Shah (</span><b><span style="color: #ff6600; font-family: "arial rounded mt bold" , "sans-serif"; font-size: 10pt;">https://investkiyakya.blogspot.com</span></b><span style="color: black; font-size: 10pt;">) is not providing any professional/investment advice through it. The article does not constitute or is not intended to constitute an offer to buy or sell, or a solicitation to an offer to buy or sell financial products, units or securities. </span><b><span style="color: #ff6600; font-family: "arial rounded mt bold" , "sans-serif"; font-size: 10pt;">https://investkiyakya.blogspot.com</span></b><span style="color: #7f7f7f; font-size: 10pt;"> </span><span style="color: black; font-size: 10pt;">disclaims warranty of any kind, whether express or implied, as to any matter/content contained in this article, including without limitation the implied warranties of merchantability and fitness for a particular purpose. </span><b><span style="color: #ff6600; font-family: "arial rounded mt bold" , "sans-serif"; font-size: 10pt;">https://investkiyakya.blogspot.com</span></b><span style="color: #7f7f7f; font-size: 10pt;"> </span><span style="color: black; font-size: 10pt;">and its subsidiaries / affiliates / sponsors / trustee or their officers, employees, personnel, directors will not be responsible for any direct/indirect </span><span style="color: black; font-size: 10pt;">loss or liability incurred by the user as a consequence of his or any other person on his behalf taking any </span><span style="color: black; font-size: 10pt;">investment decisions based on the contents of this guide. Use of this article is at the user’s own risk. The user must </span><span style="color: black; font-size: 10pt;">make his own investment decisions based on his specific investment objective and financial position and using </span><span style="color: black; font-size: 10pt;">such independent advisors as he believes necessary. </span><b><span style="color: #ff6600; font-family: "arial rounded mt bold" , "sans-serif"; font-size: 10pt;">https://investkiyakya.blogspot.com</span></b><span style="color: #7f7f7f; font-size: 10pt;"> </span><span style="color: black; font-size: 10pt;">does not warrant completeness or accuracy of any information published in this guide. All intellectual property rights emerging from this article are and shall remain with </span><b><span style="color: #ff6600; font-family: "arial rounded mt bold" , "sans-serif"; font-size: 10pt;">https://investkiyakya.blogspot.com</span></b><span style="color: black; font-size: 10pt;">. This article is for your personal use and you shall not resell, copy, or redistribute this article , or use it for any commercial purpose. All names and situations depicted in the article are purely fictional and serve the purpose of illustration only. Any resemblance between the illustrations and any persons living or dead is purely coincidental.</span></div>
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