Investing is not a Number Game,
it is a "MIND GAME"

Download this FREE ebook & be a successful investor.

Health Insurance Portability – Benefits & Process

by Hemant Beniwal October 4, 2011

These days Health Insurance is equally important to Good Health – IRDA has announced Health Insurance Portability to make the product even better in India. Health Insurance Portability – Joy for People Why I hate ULIPs? Expenses are one of the biggest reasons but there is one more reason – what if funds of your insurance company are not performing. You have to stick to a single company as it is a long contract & ...

How critical is Critical Illness Insurance

by Hemant Beniwal September 30, 2011

Medical care and treatment costs are on the rise and according to research diseases like Cancer can affect individuals in all age groups. If you are financially well-off, then you would have enough money to comfortably pay for such high medical costs. However, there are individuals who would have to make ends meet at any cost as emergency medical treatment cannot be put aside. Smart individuals plan for such contingencies ahead in life. But before ...

Proud to be among the Indian Middle Class

by Hemant Beniwal September 17, 2011

The dream run is on. All researchers are busy anticipating the time when we would cross the US economy and threaten China. The basic assumption of this research is that India is getting rich. The population has become a boon to our nation (I think Government also agrees, as they are no more showing the legendary “hum do hamare do” advertisements). But is it only the population which will make us competitive economy or there ...

15 Types of Risk that affect your Investments

by Hemant Beniwal September 13, 2011

When someone asks me “tell me some risk free investment which can generate good returns” – I get confused. Why? Because according to me there are n number of risks in investing & I am not sure which risk he is talking about. Warren Buffett Said “Risk comes from not knowing what you are doing”  so today let’s risk ourselves to understand different types of risks that are associated with equity & debt investments. What ...

Importance of Beta in Mutual Funds

by Hemant Beniwal September 9, 2011

Beta in mutual funds represents market risk or systematic risk. Standard Deviation measures volatility of fund in comparison to its mean return but beta measures sensitivity of a fund to its benchmark/index. (Sounds alien – let’s make it simple) How often have you tuned into a business channel or opened the pages of a pink paper to be told where the markets are headed? The word currently going around is that markets should move up ...

Top 10 Financial Planning Rules of Thumb

by Hemant Beniwal September 6, 2011

In life people want shortcuts – I think that’s the reason rules of thumb find some place in once life. These financial planning rules of thumb are very basic & not at all full-proof as requirement of 2 different people can never be same. They can just give you some idea but important financial decisions should not be taken on basis of these. Editor of The Journal of Financial Planning (US), once noted that “Rules ...

Understanding Gears in Investment Vehicle

by Hemant Beniwal August 30, 2011

Do you know that investment products are called Investment Vehicles as well. The reason is that vehicles takes you from Point A to Point B; so as Investment products take you from where you are today to  where you want to be tomorrow in terms of your financial goals. They are meant to make sure that you reach your financial destination or in other words you reach your targeted goals. For example, let us assume ...

Ask Readers: Your views on Gold Prices

by Hemant Beniwal August 27, 2011

SBI Gold Fund is there as every Indian is trying to participate in the gold rush. Let me first share few facts about gold : 1. This year Gold may generate its best 1 year return in last 32 years if it will touch $2000 (In 1979 Gold went up by 127%). 2. SPDR Gold Trust is now the largest exchange traded fund in world, surpassing the SPDR S&P 500 ETF – SPDR Gold has ...

Reliance SIP Insure – free life insurance but bad idea

by Hemant Beniwal August 25, 2011

Reliance Mutual Fund is aggressively promoting Reliance SIP Insure now days, which provide free life insurance cover with SIPs in its equity schemes. You must have seen I never miss a chance to mention that SIP (systematic investment plan) is a great way to invest in equity. In fact I also advocate that investors must refrain mixing the 2 giants- insurance & investment. Normally when we say don’t mix insurance & investment – we were ...

SBI Gold Fund Review – Think before you Invest

by Hemant Beniwal August 22, 2011

Should I call it a side effect of higher gold price that SBI Mutual Fund is launching SBI Gold Fund? And, SIDE EFFECTs are normally bad… what do you say?  Globally first Gold ETF (exchange traded fund) was launched in 1993 but in India oldest fund come to existence in 2007. In 2008 & 2009, two gold related funds were launched but in 2010 & 2011 nine funds were launched including SBI Gold Fund – ...

Related Posts Plugin for WordPress, Blogger...