Check out this fund that delivered 129% absolute returns in the past 5 years!

SBI Small Cap Fund – Direct Plan

★★★★★ (Morningstar Rating)

Ranked #1 in Small-Cap category by last 5Y returns

Return Capacity: High
Risk level: Moderately High
Category: Open-ended and Equity: Small Cap
Last 5 yr returns: 18.05% (as of Oct 04, 2019)
Minimum SIP Amount: Rs. 500

To boost the total returns of your financial portfolios, our Registered Investment Advisor recommends you to take some risk by allocating at least 5-10% of the total portfolio in small-cap funds. SBI Bluechip Fund (rated 5 stars both from Morningstar & Value Research) is the perfect choice for the same.

  • Even though markets are down in past months (causing this fund’s benchmark, S&P BSE Small-Cap, to give 5.19% 5Y returns), SBI Small Cap Fund has yielded an excellent CAGR of 18.05% (past 5Y), which is 12.86% more than the returns of its benchmark.
  • To reduce the risk that comes with equity exposure, the fund is well-diversified between small-/mid-/large-cap stocks (out of its 88.16% investment in Indian stocks, 3.09%/14.55%/67.67% is in large-/mid-/small-cap stocks respectively.
  • Fund manager’s insistence on diligence and long enough time perspectives have helped the fund in delivering consistently high returns with this fund when compared with other funds in the small-cap category.

21.49% (पिछले 1 साल मे): निवेश कीजिए IDFC गवर्नमेंट सिक्युरिटीज कांस्टेंट मेचुरिटी फंड मे

Get 21.49% (past 5Y) returns in IDFC Govt. Securities Constant Maturity fund!

IDFC

20.74% (past 1Y) returns in IDFC Govt. Securities Constant Maturity fund. Invest now!

IDFC Government Securities -Constant Maturity Growth fund (Direct)

Ranked #1 in 10-year Gilt by last 1Y returns
Morningstar rating: ★★★★★

Return Capacity: High
Risk level: Below Average
Category: Debt: Gilt with 10-year Constant Duration
Last 1 yr returns (CAGR): 20.74% (as of August 23, 2019)
Minimum SIP Amount: Rs. 1000

As per SEBI’s circular, gilt funds with constant duration are defined as the funds which invest a minimum 80 percent of the assets in government securities. This fund has invested 94.67% of its assets in the safest instruments known as government securities (which usually gets SOV or Sovereign rating from the credit rating agencies). This means that these securities are backed by the government and are unlikely to default and thus they can be termed as virtually risk-free.

As a SEBI Registered Investment Advisor (INA200005323), we highly recommend you to start a monthly SIP of minimum Rs. 1000 in this fund (to get high returns at low risk with high liquidity).

top funds

पिछले 5 सालों मे 18% से ज़्यादा रिटर्न देने वाले 2019 के टॉप 3 म्युचुअल फंड

“रिटर्न कितना मिलेगा?”

क्या आप भी अपने फाइनेंसियल एडवाइजर या बैंक मैनेजर से यही सवाल पूछते हैं, जब भी वह कोई नया इन्वेस्टमेंट प्लान लेके आपके पास आता हैं ? क्या आप सर्वाधिक रिटर्न देने वाले म्यूच्यूअल फंड्स नहीं पता होने की वज़ह से अपने म्यूच्यूअल फंड के निवेश को टाल रहे हैं? यदि हाँ, तो आप सही जगह पर आ गए हैं |

मायवे वेल्थ की अनुसंधान प्रणाली (जो की उन्नत वित्तीय मॉडल्स और बाजार के पुराने आंकड़ों का उपयोग करके बनी हैं ) के अनुसार 2019 के टॉप 3 म्यूच्यूअल फंड्स (पिछले 1-5 साल के रिटर्न्स के हिसाब से) इस प्रकार हैं :

फण्ड का नामरिटर्न्स और किन निवेशकों के लिए उपयुक्त
एसबीआई स्मॉल कैप फंड (ग्रोथ/डायरेक्ट)

SBI Small Cap Fund

★★★★★
+18.63% (पिछले 5 साल का औसत सालाना रिटर्न)

स्मॉल कैप फंड, ज़्यादा रिस्क लेने की क्षमता रखने वाले निवेशकों के लिए उपयुक्त

निवेश की उचित अवधि: कम से कम 5 वर्ष
मिरै असेट इमर्जिंग ब्लू चिप फण्ड (ग्रोथ/डायरेक्ट)

Mirae Asset Emerging Bluechip Fund

★★★★★
+18.09% (पिछले 5 साल का औसत सालाना रिटर्न)

मध्यम रिस्क लेने के इक्छुक निवेशकों के लिऐ मल्टी कैप फण्ड

निवेश की उचित अवधि: कम से कम 3-5 वर्ष
आईडीएफसी गवर्नमेंट सिक्युरिटीज - कांस्टेंट मेचुरीटी फण्ड (ग्रोथ/डायरेक्ट)

IDFC Government Securities Fund-Constant Maturity

★★★★★
+21.49% (पिछले 1 साल का औसत सालाना रिटर्न)

कम रिस्क लेने के इक्छुक निवेशकों के लिए गिल्ट (डेब्ट) फंड

निवेश की उचित अवधि: कम से कम 1-3 वर्ष

क्या आपने ध्यान दिया की यह तीनो फंड्स पिछले 1-5 सालों मे फिक्स्ड डिपाजिट (एफ डी) से दोगुना से भी ज़्यादा रिटर्न्स दे चुके हैं?
दूसरे शब्दों मे, यदि आपने 5 साल पहले इन 3 फंड्स में से किसी एक फण्ड में महज 5000 रुपये की एसआईपी (SIP) चालू करी होती, तो सिर्फ 3 लाख रुपये की जमा राशि के बदले आपको 4.88 लाख रुपये का रिटर्न मिलता (18% के औसत सालाना रिटर्न के हिसाब से), मतलब आपको पूरे 1.88 लाख रुपयों का फ़ायदा होता |

18.31% returns (past 5Y) in Mirae Asset Emerging Bluechip Fund. Invest Now!

Mirae Asset Emerging Bluechip Fund- Direct Plan

★★★★★
Morning Star Rating as on August 28, 2019

Category: Open-ended and Equity: Large & MidCap
Risk level: Moderately High
Return Capacity: High
Last 5 yr return: +18.31% (as of August 28, 2019)
Fund Manager: Neelesh Surana (since Jan’13) and Ankit Jain (since Jan’19)

  • Mirae Asset Emerging Bluechip Fund has yielded 18.31% CAGR (past 5Y), which is 8.84% more than the return of its benchmark Nifty Midcap 100 index in the same 5Y duration (at 9.47%).
  • It maintains a diversified portfolio by investing 52.34% is in large-cap stocks, 34.51% in mid-cap stocks, and 12.79% in small-cap stocks.
  • Suitable for investors with moderately high-risk appetite (due to mid/small-cap exposure of this fund).
  • Recommended investment tenure: Minimum 5 years.
  • According to the fund manager Neelesh Surana, disciplined approach, focus on quality along with diversification has helped them in maintaining standards with this fund.

 

loan default

What happens when a borrower fails to repay a loan?

There are critically two significant consequences of failing to repay your debt.
The first one is that your credit score will take a beat. All credit-related information of the owner and credit card user is sent to CIBIL and other credit rating agencies. They would know your credit history from head to toe. We all know that every loan nowadays is been approved based on the credit history of the borrower. While if you are defaulting your payments, your credit score will take a hit. And this will make it difficult for you in the future if you would want to apply for a loan again.

Second, the lender can auction the property which was used as collateral for the loan after following the due legal process.
The bank will send first notice to the borrower mentioning the due amount with interest. If the bank realizes that the customer is willingly delaying the repayment, then it could lead to legal proceedings. The follow up from the bank will start soon as a single repayment is missed. The legal procedures will not emerge when the customer is willing to repay the amount after a break. (Sometimes there are situations like death, illness, or accidents that can cause a break in the repayment of the loan amount. So, in this case, banks will give holidays to the customer or his family. Also, as per the guidelines of the Reserve Bank of India, banks should provide time to the customers to pay the loan amount. And should not use their muscle power to recover the loan amount.)

(more…)

Raksha-Bandhan

Celebrate this Raksha-Bandhan with Digital Gold

Health-Insurance

Reasons to buy a Health Insurance

“The task we set for ourselves is not to feel secure but to be able to tolerate insecurity.”
-Erich Fromm.

Health insurance is essential for every individual. A medical emergency can devastate anyone, anytime and impact an individual emotionally and financially. It is advisable if you to buy a health plan early in life. Here are the top reasons to convince you to purchase health insurance:

1. Start early

The health insurance premium is highly dependent on age, and there is a pitch in the premium slab post 30. For instance, if you purchase a health plan of Rs. 5 Lakh at the age of 25 years, then you need to pay a premium of Rs. 5000 but the same policy would cost you more at the age of 35, even with a change in your health indicators. Hence, buy a policy as early as possible to pay a lower premium.

2. Incidence of illnesses have increased

You don’t have to be 60 to buy health insurance. Inactive lifestyle has increased the occurrence of lifestyle disorders involving heart, cancer, lung conditions and stroke, stress-related hypertension is affecting young corporates who have no idea how unhealthy they are until something severe happens, and they wake up to reality. Moreover, health insurance policies offer annual health checks ups to encourage health awareness. Also, preventive services include counseling, screenings, and vaccines that help you to manage your health better.

(more…)

rebalancing

Rebalancing your portfolio

Before understanding this topic, let’s know what to do with a money box. In simple terms, fill it, shut it, forget it’ once in a year. Your situation may change, or the products may get worse or better, but one should clean their money box once in a year.

What is portfolio rebalancing?

Rebalancing is the process by which an investor restores their portfolio to its target allocation. The rebalancing process is reinvesting the profits taken from some of the outperforming investments and putting them in underperforming assets. Rebalancing brings your portfolio back to the desired asset mix.

Why is rebalancing important for an individual person who has invested?

(more…)

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