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These are questions we receive daily, thru various mediums (like Quora). Is this right time to invest in Mutual funds? Which Mutual funds are best? What is the correct time frame to invest in Mutual Funds? and many more…
So today I am sharing summary of the answers I have already posted on Quora.
It’s great to see that you are clear on your investment objective. But what is not logical, is the fact that; you want “Advisory Services”, which is free of cost, and that too, thru an open forum like Quora. That’s the biggest mistake you are undertaking, for your savings.
First, Direct plans are only meant for people, who can do independent research on their own, i.e. don’t need any guidance or help whatsoever, whereas you are seeking help.
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Manoj Chahar
July 19, 2018
Mutual Fundscan you analyse my portfolio, financial advisor, how to time market, market timing, what should i do, what should i do when market is down
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Amit and Neha are a perfect love story. They met in a college and it was love at first sight. The college years went by dreaming about their life together, getting married and having their dream home. They used to spend hours imagining how they would decorate their sweet home. After completing their studies and starting their careers, they decided to take the plunge and get married. As their parents happily agreed, the next step was to own a dream home. But they realised that having their dream home was not easy. All these years they dreamed about house but never did the homework of buying a house. They consulted a financial planner who guided them about buying a new home.
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Manoj Chahar
July 16, 2018
Property Planning & Loanfinancial planning for house, when and how to plan for house
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Mailbox once a boon for instant communication has become a pain today. Due to lots of promotional and unwanted mails, it becomes difficult to find the relevant mails. As I have invested in mutual funds, it becomes necessary to see these mails. But nowadays the mailbox is flooded with so many mails from the mutual funds that it has become time consuming. Recently SEBI introduced standardisation of various schemes so that investor can understand them. All mutual funds are supposed to communicate the change in fund to investors. There has been a surge in mails mutual fund due to this reason. Another change has been the computation of Expense ratio. With so many mails and technical explanations, common investor is bound to be confused. What is one to do?
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Rohit Grover
July 9, 2018
Financial Planningcluttered inbox, cluttered investments, cluttered marketplace, cluttered with Mutual fund mails
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India is going thru one of the most uncertain times; as national elections are due in a year’s time to decide on current incumbent or the new stakeholders, US trade war has intensified with Trumps unrelenting signature, Crude surge is unstoppable with OPEC targeting USD 100 per barrel, and many more related events.
All these events are resulting into stock markets behaving badly. This is where one gets to see a difference between the Matured & Panic state of mind.
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Manoj Chahar
July 4, 2018
Mutual FundsRule of Averaging, should i invest when market is low, SIP is showing a lower return? What to do?, TOP-UP on SIP, You invest in equity SIP
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Exhausted and tired from long day at office and travel, Amit Kumar went to sleep wondering if this is life that he will live all through. He dreamt of his childhood days and all that he could enjoy doing it. He remembered how he was good at telling jokes and doing performances in school and village programs. His wild imagination saw him doing what he loved and making name for himself. Though he earned decent enough he was happy doing it. He liked living in serene countryside in the beauty and solitude of nature. But suddenly his dream was broken to reality as his wife woke him for sleeping late. Fortunately, it was week-end and he kept wondering if he could live his dreams.
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Rohit Grover
June 30, 2018
Financial Planningare you prepared for Sabbatical, how should i plan finances, sabatical, sabatical-but how do I plan my finances?
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Sounds exciting! This is the story of Mutual funds today.
We all are looking at Mutual Funds like a 2-minute Maggi noddle. Maggi is promoted as an instant noddle, i.e. it can be cooked in flat 2 minutes, without any hassle & help, compared to Chinese noodles, which requires time & effort.
Mutual Funds on a similar note, are projected as the best investment avenue, where one can easily shortlist funds (with diverse options), and execution (buy) takes not more than 10 minutes effort (as claimed by many).
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Manoj Chahar
June 25, 2018
Mutual Fundsmutual fund is not a commodity, mutual funds are not 2 mins noodle, take advice of mutual fund advisors before investing in MF
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Deepak was a daydreamer. He often used to dream of living a life free from 9 to 5 work life, pursuing his passion and creativity, spending time with family, doing social work etc. He wondered how much amount of wealth or bank balance is needed so that interest earned could take of his living and give him enough time to live life on his terms. He figured out that One crore kept in mutual funds could take care of his monthly expenses with some surplus to take care of contingencies. So, creating a wealth of one crore became his driving force to earning as well defining economic discipline. He also understood that just savings is not enough; the saving has to be utilized to create further wealth.
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Rohit Grover
June 1, 2018
How Tocreating wealth, How to build your first CRORE, increase savings, savings
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There are few days when one is eager to reach office in time. It’s the day of declaration of performance appraisal or bonus. Both mean increase in take home income that could be used for various things. One will find that in almost all cases the money to be used for, is decided quite in advance and mostly for some holidays or buying some new things. Very few follow the principle of using the increased income to reduce liability like loan or invest for long term benefits. A random survey would indicate that a very small number have a financial plan in place and allocate their money according to the plan.
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Mushtaq Kazi
May 29, 2018
How To7th pay commission, how to plan for pay hike?, invest properly when it comes to salary hike, pay hike, plan a review with your advisor, salary hike
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- My returns have come down
- How long will this continue
- I want to stop my SIP
- I want to restructure my portfolio
- I want to close my investment account
Since last six months, with the market trend & big swings (up & downs), we all are getting these thoughts. Everyday when we hear new stories, our thoughts get compounded further, what do I do now?
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Manoj Chahar
May 24, 2018
InvestmentsHow long will this continue, I want to close my investment account, I want to restructure my portfolio, I want to stop my SIP, My returns have come down, what do I do now?
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Akash just completed his MBA and landed a six figure salaried job in IT company. The shift from small town to city with its fast lifestyle made him ecstatic as his dreams came true. Work hard and party harder became his life. At the same time, he fulfilled his family obligations by taking care of his parents. His girlfriend born and brought up in city had a problem of plenty. Living life today was the mantra. But a sudden economic slowdown and many of these young generation had no saving to fall back on. Welcome to the millennial generation of urban India.
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Manoj Chahar
May 19, 2018
Mutual Fundshow to be financially independent, Mutual Funds Guide to Millennial
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