Secure Your Future With SIP

Nobody can ponder what his or her future would be! It possibly is brimming with extravagance and solace. Be that as it may, would you say you are certain about it? Consider the possibility that we have an option arrange. No doubt, a superior choice without a doubt! 

Every one of us is very much aware of the unavoidable truths that apply to everyone. We continue working just to carry on with an existence brimming with joys. In any case, is it guaranteed that the same should be kept up later on? We can't underestimate anything. Possibly you land let go from your position! On the other hand because of any individual ailment you get to be notable proceed with your employment! These are every one of the instabilities which can go to one's life at whatever time. May be a few of us have a retirement fund, however to what extent it would satisfy our necessities? Along these lines, this is the means by which we can bring up one thing that, nothing is sure, and we need a reinforcement anticipate us. Additionally, a little arranging won't work here, so we should have a major and solid arrangement which ought to likewise be promising. 

Here, comes the part SIP investments, i.e., methodical investment arrange, it is a method for putting resources into shared assets conspire. To comprehend this, you should know what are shared assets? Shared assets are that type of investment where diverse financial specialists' reserve is pooled together, and this gathered sum all in all is put resources into various investment arranges. The sum is being put into enhanced ventures in order to broaden the hazard and returns connected with them. To put resources into shared assets, there are two distinctive portals: 

A solid arrangement guarantees comes about. In any case, not everybody's conditions are same, in this way a solid arrangement has an alternate point of view for various individuals. 

Taste investment arranges has each one of those attributes which satisfies the need of each speculator and henceforth is an adept method for arranging the investment. 

Pick the Best! 

By different studies and inquires about, a portion of the plans are being classified as the best and productive ones. We have the alternative of picking the best according to our necessity and can begin SIP investments. Consequently, by utilizing deliberate investment plan (SIP) we can without much of a stretch arrangement a superior future for us. There is a colloquialism, little drops of water make the forceful sea, and this is the thing that SIP goes for. Just by contributing a little sum each month, we can without a doubt make a decent pick up later on. Additionally longer the period higher might be the profits. 

So simply don't hold up any longer and begin putting resources into SIP to lead a superior future.

SIP Investment & SIP Mutual Funds

SIP Investment & SIP Mutual Funds

Still Doing SIP Add more Value to your Investments Opt out for Value Averaging  SIP Investment Plan (VIP)

Sip Mutual Funds is well known for rupee cost averaging wherein you invest a fixed amount of money every month. It works more efficiently in volatile markets as you get more numbers of unit’s when the market in on downside and vice versa. Value averaging investment plan (VIP) is a dynamic concept that helps you elevate the advantage of averaging.VIP generates 1.5% to 2% additional CAGR over a five-year time period. How does it work? We can better understand how the two plans work by assuming a monthly investment of Rs 10,000 in a VIP and an SIP. To keep it simple, we assume that the rate of return expected is 1% per month (CAGR of 12.68%). In the first month, the investor puts Rs 10,000 in the VIP and SIP. Since the assumed rate of growth is 1% per month, the invested value should grow to Rs 10,100 by the time the second instalment is due. However, this rarely happens and depending on the market situations, the actual value will be either higher or lower than the expected value. Now assume that instead of going up by 1% as expected, the NAV has tanked by 5%, so the current value becomes Rs 9,500. While the SIP investor will continue with the Rs 10,000 investment, the VIP investor will compensate for the deficit of Rs 600 (Rs 10,100 - Rs 9,500) and make an investment of Rs 10,600. At a growth rate of 1% per month, the first two instalments should have grown to Rs 20,301 by the time of third instalment. Now assume that the market has jumped 4% during the second month and the invested value has reached Rs 20,904. Since the current value is higher than the targeted value, investment for the month will be reduced by Rs 603 (i.e. Rs 20,904 - Rs 20,301) and the VIP for the month will be Rs 9,397. In VIP, this process is followed month after month till you reach the goal date. For achieving a goal VIP works best as compared to SIP as it is reviewed every month. If interested call us on  Mukesh Gupta  +91-9810184368 B Com, FCA, CPFA, CFP^CM  Director Or Prabhakar 9899835232 Wealthcare Securities Pvt. Ltd. A 54 A, Lower Ground Floor, Lajpat Nagar- II, New Delhi-110024 Give us a Missed call on +91-98710 90316 to arrange a call back from our office Do Whatsapp +91-9582012572 Telephone No 011- 4657 5550 (Five lines) Data Source: Economic Times Disclaimer: Mutual fund investments are subject to market risks. Please read the scheme information and other related documents before investing.

SIP Is A Methodology Of Investment Which Is Gaining All The Success It Deserves

Let us now see the changing investment patterns. While savings held in the form of currency or cash have seen an increase in the last couple of years, those in pension and provident funds have seen a slight drop.This change shows that Indians are now more aware of options.Risk appetite of Indian investors is increasing. They take exposure to stocks through mutual funds via SIP investments. As a result, inflows into equity mutual funds are at all-time highs now. Gradually people are realising that the returns they get by investing in bank deposit is dismal and there are other avenues which will give them better returns. This typically happens when interest rates go down. The current rate of interest on fixed deposits at banks ranges from anywhere between 5.5% and 8.75%. Stocks, on the other hand, give much higher returns, depending on equity market performance, and also provide short-term liquidity.With India’s stock markets expected to reach new highs, it isn’t surprising that retail investors, too, want a piece of the pie.

However, when we talk about SIP investments, most people have an extreme view on SIP too. Some consider it as a heavenly safe ‘instrument’ while some consider it as a volcano. First, let us be clear that SIP is not an instrument. It is only a method of investment. For those who simply parrot the word SIP, here is the long form: SIP Investment Plan. Did you notice that there is absolutely no mention of ‘investment in what’? This re-enforces that this is just a methodology of investment and not an actual investment.

National Pension Scheme

Plan a secure future with the National Pension System

Dear Investor, Planning for your retirement may not be on your mind. However, your expenses would increase after retirement, so how to keep up with those expenses? The answer lies in planning your retirement pension. Plan your retirement with the National Pension System, which helps you to create pension corpus for your retirement years and also save additional tax now. Additional Tax Benefits Get additional deduction of Rs. 50,000/- over and above Rs. 1.5 Lakh deduction under section 80C#. *Tax saving of Rs.15,450 calculated at 30.90% p.a. (30% + Education cess 3%) on Rs. 50,000 in the highest bracket i.e. for people with income up to Rs.1cr. #Tax deduction upto 10% of salary (Basic + DA) under section 80CCD(1) within the overall ceiling of Rs.1.5 lakh under section 80CCE and an additional deduction of Rs. 50,000/- under section 80CCD (1B) per assessment year (applicable from FY 2015 -16/AY 2016-17) ^Plus contribution processing charges (0.25% of contribution amount subject to minimum of Rs. 20) and taxes as applicable.

Let Us Start Planning For Our Future

A certified financial planner can get you started on the road to financial security. Your journey with such a qualified and experiment professional will take you from where you are now to where you want to be for the future.Setting goals and objectives is the first step of any financial planning process. If you do not know where you are going, how you can know when you get there, or even decide which route to take, you must take the help of a financial planning company.Setting goals and objectives is the foundation of any sound financial plan.No matter where you are heading, you need to assess where you are now, and what you already have in place for the journey. Data gathering by a financial expert will ensure that your personal documents are up-to-date and that you know your current financial situation.Heading in a general direction won't guarantee success in reaching your final destination. Before heading out on your journey, do your analysis and find solutions with the help of financial planner. This strategy will assist you in reaching your stated goals and will provide you with a roadmap to help you achieve these goals. Your financial plan should confirm that your goals are achievable, and appropriate recommendations will help define what you need to do to ensure that you reach these goals.A financial plan is only helpful if the recommendations are put into action.  Implementing strategies will assure you reach your destination.Finally, follow-up and annual reviews are critical to ensuring you maintain a clear focus in order to succeed.And this can be done only by finance professional.

Give some thought to your financial goals. Some may be short-term in nature, others long-term. Assign each one a time frame and put them in order of importance to you. These goals are the building blocks to any sound financial plan.Begin by organizing your financial documents;assess your current financial situation by completing a net worth statement and a cash inflow/outflow worksheet.Depending on the goals that you established, you will need to perform some further analysis to define a roadmap to help you achieve your goals. This may include analysing your retirement, education, debt or insurance needs.For many, retirement planning is a major goal that requires considerable financial commitment. By completing the retirement contribution analysis, a financial expertcan show you where you are today and how much you need to save to meet your retirement goals.

Learn About Each Side Of The Daily, Weekly, Monthly And Quarterly SIP

I recently hired a certified financial planner from a financial planning company because I wanted an expert guidance for my SIP investment. This is when my financial planner told me that newly launched yearly SIPs might not make too much of sense for me. This is because like every new scheme, even this scheme had its pros and cons. For example, in monthly SIP, the person is aware that a certain sum is going to be deducted from his bank account on a particular day and so he ensures that there is money in the account. In yearly SIP, there is a high chance of missing the payment date. However, he also said that the mutual funds take a cue from the insurance industry where yearly premium payments are the most popular, besides having the lowest lapse rate.Some finance wizards are of the opinion that monthly SIPs do not continue for long periods. Even when people enrol for a long tenure of, say, five years, they generally stop after two to three years. The same lesson has been learnt by the insurance industry, which also provides monthly, quarterly and yearly payment options. Here too most policies that lapse are monthly payment ones. The number of policies that lapse is the minimum in case of the yearly option. The fund house wants to see if it works in mutual funds too, but what is beneficial for investors is the monthly SIP.If an investor has a lump sum, he can take the weekly or daily SIP route to systematically invest in equity funds. After all this, I got a little confused with the performance of daily, weekly, monthly or quarterly SIPs.

If we go by books, then the more staggered the SIP is, the more returns you earn. The is so because the more regular investing helps you catch market volatility better as you invest during highs as well as lows. This results in better averaging. In case of SIPs with a big gap between investments, if the market is up on investment date, you will lose out. In contrast, in daily SIP, there is no need to time the market as you invest on all days the market is open.As far as returns are concerned, if you are investing for a longer period of, say 10-15 years, the frequency will not result in any substantial difference in returns, whether you choose daily, weekly, monthly or quarterly SIP.