Fee Only Financial Planners

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The Risk in Risk-free Investment

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What is a risk?
For most, it’s a possibility of losing the subject, be it money or the ship.
It has been proven in most of the experiments that severe pain of loss is much bigger than the extreme joy of making profits. So the common man looks for avenues, which is safe for him and the probability of losing the principal in the said avenue is minimal. So, according to nature, an investment avenue which is relatively safe and provide guaranteed returns over the principal with the safety of the principal is said to be a risk-free investment.Read More


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SIP the new ULIP

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You get up in the morning and reading your newspaper, in some time on the way to the office and stuck in traffic and surfing random websites in office, back to home and watching TV with the family. All of the stated activity has one thing in common and that is SIP. Ads in newspapers, a billboard on the way to the office, banners on the website and TV commercial in between the soap you are watching. It’s one of the highly advertised Investment mode of a financial product (Mutual fund). Similarly, there used to be ads of ULIP in its era. None of them is a bad product, but it might be one if you go blind. You have people talking in the office, relative and even grocery shop, who’ll give you random advice on which mutual fund to purchase and start a SIP. These all are the tactics of behavioural finance by driving the numbers in front of your eyes and influence you to take an early call.Read More


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