When people make choices, sometimes they have a good understanding of the probability of something happening whilst other times the situation is ambiguous, whereby the probability of the event is unknown. In such situations, people are more likely to choose the former situation, preferring a known probability over an unknown probability. Investing in Fixed Deposits is preferred because the outcome is clear unlike investing in a mutual funds despite the fact that mutual funds beat Fixed Deposit returns hands down. For more details contact: Samarth Holdings. Phone: +91-9561733111 Email: chouguleanup@gmail.com

SIP - Systematic investment plan is a healthier option for investing in mutual funds, just like yoga which leads to healthier life. Some of the advantages of SIP investment are: Low cost of entry. Averages out the NAV movement to give stable returns. No personal attention needed to time the markets. No personal attention needed to time the markets. Better option for long term continuous investment. For more details contact: Samarth Holdings. Phone: +91-9561733111 Email: chouguleanup@gmail.com

Conventionally real-estate in India is considered to be a safer and a productive investment option rather than other asset classes.  But it makes sense to buy a home or a commercial shop if you are using it for living or you have a business running in your shop. Which means it should suffice the primary need of shelter.  Equity based mutual funds in terms of investment option have performed well, compared to that of real estate, over the years. Lets see this with an example. My friend's dad once bought a flat for investment purpose in the year 2007 for 21Lakhs. It was a cozy little 1-bhk flat situated in the budding areas of Pune. He met me few days back, he said that "yaar, abhi mere flat ki value 50 lakh ho gayi hai, more than double in 10 years" he said it with a smile. I said okay. :) If you look at it closely then his flat in Pune has generated just 13.8% annually. If his dad would have invested the same amount in a good balanced fund in the year 2007 the...

Early retirement plans will have tremendous effect on the sum receivable when you retire. Today if your age is 25 years. A year long delay for starting a SIP of Rs.5,000/- a month, which means Rs.60,000/- for a year, you miss Rs.31,67,977/- (Thirty one lakh, sixty seven thousand Rupees) after 35 years when you retire.  (Calculated by 12% avg. return from a fund compounding annually.) For more details contact: Samarth Holdings. Phone: +91-9561733111 Email: chouguleanup@gmail.com

Imagine you are moving at 10km per hour and your friend is moving at 11 km per hour. After 6 minutes they are only 100 m (1/10th of 1km) apart which is not very significant. You can literally see each other. After an hour you are 1 km apart. You can no longer see each other but still you aren’t all that far from each other. If you wish you can meet each other easily. But after 10 hours you are 10 km apart and after 100 hours you are 100 km apart. Now you are in two different cities. It’s too far to meet each other. Perhaps you have to speak over phone. Likewise investing in a fixed deposit of 6% per annum or investing in a mutual fund of 10% per annum does not make a huge difference when invested for a period of 1 year or even for that matter for a period of 2 years. However, if you were to invest for a period of 10 years to 15 years, the 4% difference but nearly 100%. Hope this explains why even a 4% difference in returns cannot be ignored in the long term and moreov...

As per your income tax slab you can save your tax money by investing in ELSS - Equity Linked Saving Schemes. They are a type of mutual-funds that saves your tax. You can invest upto 1.5 lakhs and get the tax benefit according to your tax slab. (e.g. If you fall under the income tax slab of 20%, and suppose you invest Rs.12,500/- in an ELSS fund through SIP route, then for that financial year, you get tax exemption of Rs.30,000/-) Usually ELSS mutual funds give good returns than that of ulips, insurance etc (depending on market conditions), and they have the shortest lock-in period of 3 years.   For more details contact: Samarth Holdings. Phone: +91-9561733111 Email: chouguleanup@gmail.com

The volatility of the market can be used in great effect to  get a fresh start  for investing,  average out your investments at the right levels,or to book profits and exit from a stock holding. They are just opportunities. :)  Quote: "A pessimist sees the difficulty in every  opportunity ; an optimist sees  opportunity  in every difficulty.” For more details contact: Samarth Holdings. Phone: +91-9561733111 Email: chouguleanup@gmail.com