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For Information contact us at [email protected] or call us at 96504 59955 K2/1, FF, DLF Phase – II, Gurgaon – 122008, Haryana, India
Don’t be April fool for Investments
It’s the start of new financial year and everyone is busy scheduling their accounts. On the flip side, it
marks the onset of April fool’s day, where your family and friends disguise for fun and everybody enjoys
as it comes only one’s in a year.
However when it comes for your investments, don’t be an April fool. We generally take investment
decisions relying on rogue professionals and herd mentality, who April fool us all along the year and
selling underutilized and inefficient products. What we were doing all these days in name of
investments:-
No Investments Destination Returns over 25 yrs.
Liquidity Low Expense Structure
Tax Efficiency
1. Insurance Plans – Traditional, Children, Retirement, Pension
5% - 8%
3. Gold and Silver 8% - 9%
4. Equity – Stocks and Mutual funds 15 – 18%
5. Debt – Bank FD’s, Corporate FD, Debt funds, FMP’s.
8% - 11%
Till Today we all are buying traditional Insurance plans in the name of investments which have high
expenses in range of (6-8%) and in some cases it can be as high as 35%. You need to understand that
buying retirement plans doesn’t guarantee good retirement and buying children’s plan doesn’t
guarantee children education expenses.
What we really need to do?
Two most important factors to consider which define our investment strategy in life are safety and
growth
For safety purpose two options which everyone should opt are
- Term Insurance
- Health Insurance
And for growth, universally there are only two main investments options
- Debt
- Equity
For Information contact us at [email protected] or call us at 96504 59955 K2/1, FF, DLF Phase – II, Gurgaon – 122008, Haryana, India
How to start off!
Term Plan Insurance – Covering you from life risk at minimum cost. Buy it online worth 12 times
your annual income. Rs. 1 crore insurance you get for ~ Rs.10, 000/- online (30-35 years of age).
Health Cover – Have one basic family floater for the family. If one needs to buy additional health
cover go for Top Up plans rather than increasing the sum assured as it makes wiser and cheaper
option to opt.
Debt – Go for Debt Mutual funds (Liquid, Short term, Dynamic and Income funds, FMP),
Corporate FD’s and Bank FD’s. Tax advantage is also there in Debt schemes as investment more
than 3 year attracts Long term capital gains.
Equity – Invest in Mutual Funds via monthly SIP’s, also invest in ELSS to save tax under section
80C. Ideal strategy should be to invest in large cap funds via ELSS and midcap funds via open –
ended equity schemes. The added advantage is tax efficiency as Dividends and Long term gains
(> 1year) are tax free.
Don’t be a fool - invest smart, invest simple and invest wise. Happy Investing!! ****
For any information and questions regarding investments in mutual funds and stocks ,
contact Abhishek Mittal , CFA +91 991.117.1977 or at [email protected]
