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Saturday, 21 July 2018

How much Important education for everybody why study is important for po...

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Wednesday, 9 September 2015

Unit linked child plans: Should you buy? By Deepesh Raghaw

Every parent wants the best for his/her child. It is every parent’s wish that financial constraints do not come in way of his/her child’s education or career. Hence, when you are approached with a specific investment plan to provide for your child’s future education or wedding expenses, the product becomes too irresistible to ignore. The sales pitch is so strong that you start to feel guilty if you choose not to invest in such a product. After...

Trading Discipline: How much to trade By Deepesh Raghaw

This is our second blog post on trading discipline. In our previous post on trading discipline, we had discussed the importance of adequate risk reward in trading. In this post, we shall write about the trade sizing. You recently landed up a hefty annual bonus and want to park these funds for quick returns. Mutual funds are too conservative for you. You want quick returns; hence long term investments in stock markets do not fit your requirements. You have seen many stocks doubling or tripling over the last 6 months and expect the bull...

Trading Discipline: Risk and Reward By Deepesh Raghaw

Ever felt you are getting enough trading calls right, but aren’t still making significant profits? An unfavourable risk-reward ratio could be the answer. At the outset, we want to mention that trading is inherently risky and requires, in addition to deep understanding of chart patterns, a lot of discipline. Be advised that trading is not a quick way to make money. A trader must not have irrational expectations (starting out with Rs 1 lac and hoping...

Loan against PPF Account: All you need to know By Deepesh Raghaw

In some of our earlier posts, we have discussed many great features of Public Provident Fund (PPF) account. We have shown how you can use PPF account as an excellent pension tool. We discussed the deposit limits and the benefits of opening PPF account for your children in anotherpost. We know withdrawals are possible only from the 7th year of opening the account. If you need emergency funds from your PPF account before the 7th year, withdrawal rules won’t permit that. Is there a way where you can use your PPF funds in the 4th or...

NAV of Direct Plans is higher than Regular Plans of MF schemes By Deepesh Raghaw

In one of earlier posts, we discussed how you can avoid distribution costs by investing in direct plans of mutual fund schemes. We also established the quantum of long term savings you stood to make by investing in direct plans of MF schemes. To find out more about direct plans, read our post in Business Standard about direct plans of mutual funds here. We have received a lot of queries on e-mail, social media forums and phone seeking...

Say NO to Traditional Life Insurance Plans By Deepesh Raghaw

You have been looking to buy an insurance plan. You don’t want to purchase a pure vanilla term insurance plan since you do not get anything back. You have read about so many bad things about Unit linked insurance plans (ULIPs). So, you don’t want to purchase those either. You meet an insurance company representative/agent who talks about traditional insurance plans (kind of plans LIC sold to your parents or even some of us) which offer steady and...