Insurance Strategies 101: Term Insurance or Endowment Plans & ULIPs?

Nobody likes to buy an insurance plan, the concept of paying money to get nothing in return haunts us. The dislike for term insurance is real, I have personally seen clients asking for an endowment policy instead of term insurance. For starters, term insurance is when you pay a premium for life coverage, in the…

20 Jun 2024 — I am switching back to southpaw, prioritizing BankNifty over Nifty for trading +…

Nifty Stance Bullish ⬆️ We saw what happened yesterday, the kind of unusual price swings, the likes of a pump and dump scheme almost. We had a V pattern and an inverted V pattern yesterday itself and even the bravest of the algo traders would have failed to firefight it. I did lose pretty badly…

Mutual Funds Day 36: Scheme Summary Document (SSD) | Scheme Information Document (SID)

Scheme Information Document is a mandatory “to read” document issued by the AMCs, but the one least read. Usually, people do not like to read but prefer to listen. Things will work out well if you invest through a mutual fund distributor as he is entitled to explain the SID to you. If you are…

Mutual Funds Investing Strategy 104: Fund your child’s higher education with easy SIPs

Studying abroad in Germany, the UK, the US, Australia, or New Zealand is a familiar thing. Most students dream of pursuing their higher education at a famous international university, but their dreams are cut short when they hear about the required funds. Due to the devaluation of the rupee against the major developed currencies, the…

റൂൾ no: 1 — ഫിനാൻഷ്യൽ ഗോൾ സെറ്റിങ്

ഒട്ടുമിക്കവരും മ്യൂച്വൽ ഫണ്ടുകൾ തിരഞ്ഞെടുക്കുന്നത് അതിന്റെ വാർഷിക നിക്ഷേപത്തിൽ നിന്നുള്ള വരുമാനം നോക്കി ആണ്. ഒരു പക്ഷെ നിങ്ങൾ ഒരു അംഗീകൃത മ്യൂച്വൽ ഫണ്ട് വിതരണക്കാരനെ സമീപിക്കുമ്പോൾ, നിങ്ങൾ ആദ്യം ചോദിക്കുന്നത് ഈ ഫണ്ട് എത്ര റിറ്റർൻ തരുമെന്നാണ്. അങ്ങനെ ചിന്തിക്കുന്നത് തെറ്റൊന്നുമല്ല കാരണം നിങ്ങൾ പൈസ ഉണ്ടാക്കാൻ ആണ് മ്യൂച്വൽ ഫണ്ടുകൾ വാങ്ങിക്കുന്നത്. പക്ഷെ എൻ്റെ അഭിപ്രായത്തിൽ ഏതു മ്യൂച്വൽ ഫണ്ട് വാങ്ങിക്കണം എന്നതിലുമുപരി എന്തിന്നു വാങ്ങിക്കണം എന്ന ചോദ്യത്തിനാണ് പ്രസക്‌തി. സ്റ്റോക്ക് മാർക്കറ്റിനെ പറ്റി…

13 June 2024 — Nifty and Banknifty New ATHs almost everyday + Weekly Analysis + PostMortem

Nifty Stance Bullish ⬆️ Nifty continued to make new highs every other day this week, overall it has been a steady week with very few wild swings. Just compare the swing range of the previous week vs this, and you will understand what I am talking about. The new high is 23481 hit at the…

Mutual Funds Investing Strategy 103: Risk Management & Fund Selection

Everyone talks about risk but has yet to learn what it really means. Risk can be an actual loss or a perception that you could lose. Usually, the feeling that you could lose in the future is much more powerful than the actual loss. Fear drives us crazy and makes us do irrational things. If…

Mutual Funds Investing Strategy 102: Can you fund a holiday package via mutual funds?

Only a handful of people would not like to travel, see places, make new friends, or taste new food. For the rest of us, travel is everything. But I personally know many people who are not able to take that dream vacation every year, mostly it is due to either of these 2 issues Lack…

06 June 2024 — Nifty above 22781 resistance, BankNifty slightly bullish + PostMortem and Weekly…

Nifty Analysis Over the last 1 week, Nifty is up only 1.33% ~ 300pts, but we witnessed one of the most violent weeks in the last 4 years. Primarily because the exit polls overshot the expectations which gave a gap up of 3.5% ~ 792pts and then the actual polls came less than expected and…

Mutual Funds Investing Strategy: Debt to Equity in 25 months + 12 months cooling period — 48% ROI…

If you are someone who has not invested a single rupee into equity market, then let me explain the easiest way to do so. If you are in your 20s, then directly starting with equity investing won’t hurt you either because you have a decent 40+ years of “active income” possibilities. Again, this is with…