Health Emergency fund vs Health Insurance – All you need to know…
Do you need to have health insurance and health emergency funds? Or is one of them enough? Here in this article, I have tried to explore the pros and cons of the above options. Health insurance policies, in many cases, will not settle 100% of the claim. In addition, health insurance claims can be rejected in some cases, especially cashless claims. Moreover, there is no clear control over health insurance companies for increasing the health insurance premiums. Finally, all the above factors make an individual think about a health emergency fund in place of a health insurance policy. Health Emergency …
I am a young investor – 80% equity exposure – is it better for me?
I am a young investor; I can bear more risk at this age, so 80% equity exposure is fine for me. This is the misconception among young investors. In addition, you know to get an inflation-adjusted return on investment, investing in equity is must.. And at the same time, you also know that asset allocation based on your risk profile is also a must to reduce the risk in your portfolio. But the big question is, how much equity exposure is needed? Moreover, you may have heard or read somewhere that young earners can invest up to 80% in equity, …
financial planning for Nris – What is the best way to do?…
Are you a NRI and looking for how to do financial planning? Then you are at the right place. Read this complete article. In addition, you need to have a clear plan in your mind about whether to stay long-term in the country where you got the job or would like to come back to India after some years of working. Financial planning for NRIs… NRIs first need to set up an emergency fund… Yes, NRIs first need to set up an emergency fund. In addition, this emergency fund must be equal to 6 months of monthly household expenses …
nifty 50 and nifty 50 tri – what is the difference – All you need to know
When discussing Nifty 50 and Nifty 50 TRI, it’s essential to understand the key differences between these two indices. which are crucial for investors and traders in the Indian stock market. – **Definition** of Nifty 50… Nifty 50 is a stock market index that represents the weighted average of the 50 largest and most liquid Indian companies listed on the National Stock Exchange (NSE). – In addition, it serves as a benchmark for the overall market performance and is widely used for various financial products, such as mutual funds and ETFs. And Nifty 50 is calculated based on the stock …
NPS maturity – download exel calculator for govt employees
Govt employees who got a job after 2004 must opt for a new pension scheme for pension purposes. In addition, read this article to download the NPS maturity Excel calculator. In addition, the government introduced the Unified Pension Scheme for govt employees, which will come into effect in April 2025. And government employees can choose one of UPS or NPS. How do you calculate the NPS maturity corpus for government employees? … Let’s assume that your age is 24 years, and your Basic + DA is Rs 30,000. In addition, let’s assume that your basis + D.A. will increase by …
Unified Pension scheme – 5 Important features – All you need to know
Now, government employees can opt for the unified pension scheme for their retirement purposes with 5 important features. In addition, this scheme was introduced in August 2024 and will be implemented in April 2025. And this UPS combines both features of NPS and the Old Pension Scheme (OPS). 5 Important Features of the Unified Pension Scheme… Assured Pension Under UPS… Government employees who service at least 25 years of service will get a guaranteed pension. In addition, under UPS, the government employees will get 50% of average basic pay as of the last 12 months of service. Again, those …
top mutual funds for sip in 2025 – All you need to know
Are you looking for the top mutual funds for SIP to invest in 2025 in India? Read this complete article to get the list of mutual funds that I am suggesting you and also the things to keep in mind while investing in MF. Before knowing the best mutual funds to invest in 2025, let me explain the process to invest in mutual funds. In addition, you need to connect all the dots and take investment decisions. Process to invest in equity mutual funds?… Why should you invest in equity mutual funds? .. a) To beat the inflation… You may …
icici equity valuation index – How it is useful to time the market?
All investors know this important rule for investing in equity markets. In addition, that rule is that you should buy at low valuations and sell at high valuations in the market to make high profits or high returns on investments. Moreover, the ICICI pru equity valuation index will help you to know whether equity valuations are high or low. But most investors are very confused about identifying the high valuations in Indian equity markets, i.e., nifty and sensex. In addition, most of the time investors enter at high valuations and sell at low valuations. In fact, they are selling their …
high returning mutual funds – Out of large, mid, small and mulitcap fund – All you need to know
Are you confused about choosing the high-returning mutual funds category out of large, mid, small, and multi-cap funds? Then you are at the right place to know more about it. High-returning mutual funds out of large, mid, small, and multicap funds?… for this analysis, I took the daily nav of all these 4 category benchmark closing values for more than 470 days from 2006 to the 2024 end. In addition, I have calculated the yearly return on investment for all these 4 categories: large cap, mid cap, small cap, and multi cap. But you can see that the returns for …
best fund to invest – Out of large cap, mid cap and small cap and multi capfunds for consistent roi?
There are so many categories of funds to invest in the equity mutual funds category. But the real problem comes while choosing the best fund to invest in out of the large, mid, small, and multicap fund categories to get consistent ROI for your future financial goals. Best fund to invest out of large, mid-, and small-cap funds… Large-cap fund definition means, as per SEBI rules, mutual funds should invest in the top 100 companies that are listed on the national stock exchange as per the highest valuations. And midcap funds that will be investing in the top 101 to …
