SIP | Fixed Deposit, Mutual Funds, Insurance, Personal Finance, Loans, Income Tax

Capital protection plan – Do it yourself

Capital Protection Fund – Do it yourself!

In recent few days there have been a deluge of Capital Protection Funds from Mutual Fund houses. I have often been asked should I invest in these Capital Protection Funds? What is Capital Protection Fund? We hate to loose our hard earned money. Taking advantage of this emotion, Mutual Funds launch Capital Protection Fund when the stock [...]

Which is the Best day for SIP in Mutual Fund?

Our fancy for higher returns never ends! And for this we devise different techniques and strategies – one of them is “Timing the Stock Market” – in which you buy when markets hit the bottom & sell when its at the top. A very popular and simple concept but the only problem is no one [...]

Mutual Fund Investment: (Systematic Investment) SIP or Lump sum?

There have always been a debate on which is a better way for investment in Mutual Fund – Lump sum or Systematic Investment Plan (SIP). Actually the answer to this is not easy and it depends on the time frame we are looking at. There have been some phases where SIP has outperformed while at [...]

How to Stop SIP in Mutual Fund? [Download Application Form]

Systematic Investment Plan (SIP) in Mutual Fund is one of the best way to accumulate wealth and works especially well for long term goals. Keeping this in mind investors do long term SIPs like 5 years, 10 years or even perpetual. Perpetual SIPs are those which have no ending date and so the SIP would [...]

How timing affects returns in Stock Market

Its always said that timing is not important in Stock Market, but is it true? Probably Not, below is the graphic showing the SENSEX returns since March 1988. The SENSEX has generated 17% annualized returns since inception Much of this wealth creation happened in two spurts: 85% annual returns during 1988-1992 and 52% annual returns [...]

Gold Price in India – 40 Years History

Gold has always fascinated us Indians but do you know how prices of Gold have varied in India. I happen to visit RBI website which publishes lots of reports including weekly Gold prices. So here it is 40 Years price history of Gold. Gold Price Trend: If you look at the trends in Gold Price [...]

Recurring deposits – Start now to Gain from High Interest Rates?

If you are looking for investing your money in debt instruments, it’s the right time to do so. RBI (Reserve Bank of India) on March 9, 2012 has reduced CRR rates by 0.75%. This means banks would have more money to lend and so loan rates are expected to go down and so are fixed [...]

Disadvantages of Systematic Investment Plan (SIP) and the way out

I personally am a great fan of Systematic Investment Plan (SIP) in Mutual Funds. Also known as Rupee cost Averaging (in India) or Dollar cost Averaging (in US) it’s no doubt a well known strategy to create serious wealth in long term. But I have not found many sites talking about the flip side of [...]

Value Investment Plan - VIP - Mutual Fund

VIP (Value Averaging Investment Plan) – Better than the Best!

If you are a regular investor in Mutual Funds or equities, you always wished that you could invest more when the market were low and invest less when the markets are high. But it’s a known fact that timing the market is impossible. So the next best thing for an investor is to invest regularly [...]

Is Daily SIP for Mutual Fund investment a good option?

SIP (Systematic Investment Plan) is one of the best things that happened for Retail Mutual Fund Investors. We have read multiple times that SIP is the way to build wealth in the long run and so on. And I could not agree more. But then are Mutual Funds going overboard by offering Daily SIP? Let’s [...]