Wednesday, September 2 2020

Timing the market

The only thing that can be said with certainty is that it is always a good time to get rid of your poor funds and switch to better funds, they will make up your losses faster. By switching you are not injecting new money but only making your poorly performing investment move to a better investment tool. There is no reason not to do this at the earliest except in cases when you will have to reap huge losses to exit the poor fund, you may wait for a certain time in such case and exit when the loss becomes tolerable to your mind.


There is one more certain thing, it is always a good time to invest in your long term goals. For a long term goal like 8-10 years away, the timing for dips is pointless, look at the nifty chart for ten years and you will see that the largest dip is also wiped out in no time and the market continues its uptrend. Yes, it can hurt more when it falls and you might even miss that extra buck but waiting for the big dip is an impossible task, it is just impossible to predict -- that is like the market, it is not about your intelligence.

And there is one more thing if I may say, purchase or 'invest' new money when the market is going up, it could be the rock bottom and the start of a new bull market or it could be the middle of a bull market, but invest in a bull market. Do not invest when the markets are tumbling down.

Tuesday, July 14 2020

Long Term Investment Advice

This post will talk about guidelines for managing your investment in the long term (longer than ten years) and what all to bear in mind while planning your long term inflation beating investment.

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Thursday, June 25 2020

Lumpsum versus SIP

In this post, we will bust the myth that SIP is always superior to Lumpsum. It is most likely only as effective as a lump sum investment for long term investment but it robs you the opportunity to think for yourself and sometimes misses that nice lumpsum investment.

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Friday, April 17 2020

Appointment links

 

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Thursday, November 21 2019

MF Rebalancing

Rebalancing is possible only if you have prepared an investment portfolio and its asset-allocation and categories in each asset is also planned.

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MF Empanelment

Once you have an ARN (AMFI Registration Number) you have to empanel with AMC (Asset Management Company) to actually distribute MF.

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Tuesday, November 19 2019

Insurance that encourages healthcare for girls

New India Assurance - Asha Kiran Policy provides insurance of parents and upto two girl child with discounted premium for gilr child and accident cover for parents online.

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Long Term Third Party Only Insurance of vehicles

Recently IRDA has allowed Long Term vehicle insurance. It has come as a boon. It makes the process easy and also provides good discount to the end user.

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Monday, September 30 2019

e-Insurance Account

IRDA or Insurance Regulatory and Development Authority of India has introduced e-Insurance Policies in the interest of the policy holders.

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Tuesday, September 17 2019

Welcome to finance.ekvastra.in!

I am an AMFI registered Mutual Fund Distributor and I also hold a Retirement Advisor license. I would be happy to help you in your financial planning!