Vivek Moneywise

Life insurance plan can be an ideal way to start your long-term financial planning to cover the risks associated with multiple life events. It can help protect your family, ensure the safety of their financial goals in your absence, and even help build a retirement fund for regular income in your golden years.

Investment descisions revolve around uncotrollables and what is easier to evaluate.What matters is time horizon,amount and asset allocation.It takes discipline ,consistency and commitment to have better impact in the long run.

Volatility refers to fluctuation in stock prices and is a inevitable character of equity markets and one has to learn to deal with it to be a successful investor.The chart below shows the volatility of stock markets in the last 5 years.Even though there was volatility the sensex returned absolute returns of 115% since the march 2020. Volatility is also due to demand and supply change at the stock market and some of the factors affecting demand and supply changes are given below....

What are the causes of volatility in financial markets and how to deal with Volatility Volatility refers to fluctuation in stock prices and is a inevitable character of equity markets and one has to learn to deal with it to be a successful investor.The chart below shows the volatilit…

A financial distributor plays a key role in making the investment journey convenient,safe and a pleasant journey.There are more than 1000 schemes to invest and it is difficult to know when and what to buy and sell.Knowing what to sell is more difficult than buying.Investors can buy at their fingertips but dont know when to sell. Selection of a scheme is more a art than a science.Funds have to be selected based on age,risk profile,time horizon to invest and financial goals.All schemes are not suitable to everybody and selecting a scheme according to client needs will be done by a distributor....

Why should you hire a financial distributor A financial distributor plays a key role in making the investment journey convenient,safe and a pleasant journey.There are more than 1000 schemes to invest and it is difficult to know when and what…

"In a stock market,the most important organ is the stomach,Its not the brain.On the way to work the amount of bad news you can hear is almost infinite now.can you take that"-Peter Lynch

Retirement planning for consevative and moderate investors
Retirement Planning as a subject takes a backseat due to busy schedules,immediate expenses,loans and a thought that retirement is in distant future.A survey by HDFC Pension Fund across several to

Retirement planning for consevative and moderate investors Retirement Planning as a subject takes a backseat due to busy schedules,immediate expenses,loans and a thought that retirement is in distant future.A survey by HDFC Pension Fund across several town…

Arbitrage funds are hybrid mutual fund schemes which aim to generate arbitrage profits by exploiting price differences of the same underlying assets in different capital market segments. These funds can also invest in debt and money market instruments. How does arbitrage work? Let us assume that a stock is trading at Rs 100 in the cash market and for Rs 102 in the F&O (derivatives) market....

Tax efficient ways of parking surplus cash Arbitrage funds are hybrid mutual fund schemes which aim to generate arbitrage profits by exploiting price differences of the same underlying assets in different capital market segme…

The traditional role of women taking care of homes and men taking care of finances have changed.Nowadays more women are working in urban areas and as per NSSO survey 16% of women are working as per 2018-19 survey.More women including home makers are involving in financial investments than ever before.However a few basic points given below should be noted to get better outcomes....

Common points to be noted by women before investing The traditional role of women taking care of homes and men taking care of finances have changed.Nowadays more women are working in urban areas and as per NSSO survey 16% of women are working as per…

Start Investing late-Women may start their investment journey late due to break in career due to marriage,childbirth etc and may want to settle down in careers before starting to invest.Earlier women start to invest more is the power of compounding. Make a goal plan-It is important that both working women and homemakers are aware of financial goals and take part in setting them.Having and setting financial goals is the most important step towards achieving financial goals.goals may be short term,medium term or long term.Goal planning should take into consideration risks like death,serious illness,work interuptions like child care,child birth,ta

What Women investors have to watch out for while investing Start Investing late-Women may start their investment journey late due to break in career due to marriage,childbirth etc and may want to settle down in careers before starting to invest.Earlier wom…