When we plan for a goal, we assume a rate of return on investments for the goal and plan investments accordingly. Picking up the long-term average return is a rational choice. Long term averages are … [Read More...] about How the Sequence of returns risk affects your Financial Planning?
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No parent wants to compromise on their child’s education. In fact, child education is one of the most prominent goals for almost all my clients. Many readers write with their queries about investing … [Read More...] about Review: SBI Life Smart Champ Child Insurance Plan: Is it good enough?
ICICI Prudential Future Perfect is a traditional life insurance plan. A part of the maturity amount is guaranteed while the other part is variable and linked to the investment performance. In a way, … [Read More...] about Review: ICICI Prudential Future Perfect Plan: Not so perfect
While a home loan helps you purchase your dream house, an EMI is an unwanted by-product. If I were to tell you that there is a home loan product where you don’t have to pay EMI, what would you … [Read More...] about Axis Bank QuikPay Home Loan: A home loan without EMI: What’s the catch?
LIC New Jeevan Nidhi (Plan 818) is a pension plan from LIC. You invest for a few years. At maturity, you utilize the accumulated funds to purchase an annuity plan. Simple, isn't it? Let’s find out … [Read More...] about Review: LIC New Jeevan Nidhi (818): Pension plan from LIC
HDFC Life Sanchay Plus is a Non-participating traditional life insurance plan. That means the payouts are guaranteed. There is no market risk or risk associated with varying annual bonuses. You know … [Read More...] about Review: HDFC Life Sanchay Plus: The good and the bad
Most of us have to take home loans to purchase a house. Home loans come in multiple variants. One of the popular home loan variants is a Home Saver Loan. A prominent example is the SBI Maxgain Loan … [Read More...] about Things to keep in mind if you have SBI MaxGain Loan
You start with a certain asset allocation mix. At regular intervals, you bring your portfolio to original asset allocation mix. Let’s say you have Rs 20 lacs to invest. You have two asset … [Read More...] about What is Portfolio Rebalancing? How it helps?
For many of us, when we think about investments, the focus is mostly on returns. Not unfair. Everybody wants adequate reward for the risk taken. However, when you think in terms of financial goals or … [Read More...] about Financial Planning and Investing more
LIC has recently launched a new participating LIC Navjeevan plan in March 2019. It is a non-linked participating traditional life insurance plan. Regular readers will know that I am not a big fan … [Read More...] about LIC NavJeevan Plan: Why the plan is structured this way?