Different Faces

The most common investment term that we often listen is Mutual Fund. Into that too most of us have heard the term SIP, but we don’t know much about that. As a Mutual Fund Consultant/ Advisor, it is my duty to make everyone know and understand Mutual Fund in a right way. So, I am here. First and most important thing to understand is “what is mutual fund?”. In simple words Mutual Fund is the pool of investments. We all give the money to a fund manager who is professionally educated and efficient in this particular field of Investment. They work on to create money for you and themselves too. Yes, Mutual fund is volatile; but you can always decide which fund to choose as per your needs. There are some with negligible volatility and some are of very high volatility. Let’s talk on that later, before this we should know how secure is this? Mutual Fund is considered one of the safest place to invest your money, due to the simple reason that they must follow the guidelines of RBI an...

These days we get so many advertisements related to investments especially the Insurance, Mutual Funds and the Share Market. In that too there is more focus on do it yourself strategy. But is it appropriate for us to do it ourselves? Do we have enough knowledge about the product we are choosing? Do we have enough time to keep a tap on it? Do we know which investment options should be chosen for what and with what horizon? Do we understand if our Risk appetite and Risk in the investment option are in line with each other? Before looking for the answers let us first understand that what is the exact difference between the two Investment strategies that we are talking about i.e. Direct and Regular Investment. Direct Investment is the investment that we would do without consulting the financial advisor. This investment strategy is usually based on online studies, word of mouth, to save the commission paid to the advisor, and more. Regular Investment is the investment that we are doi...

As an investor, we are always confused about where to invest? What returns would we get? How much do we need to invest? Are we investing at right place? Should we consult an Adviser? If yes, then will he be giving us the right solution/ product? How much will he charge? Thus, to overcome all this we all start searching on internet, ask friends and start investing on our own without proper understanding of the product. We often see the past returns or listen to friends & relatives and start investing in that product without having the deeper understanding of the product. Among the top investment options that everyone suggests us are Equity Market (Share Market) and Equity Funds as they give good returns and the returns are tax free too if realized after a year. On hearing that, the first question that comes in our mind is which one is better? Now, that varies from person to person. Investing in Equity funds is less risky, doesn’t need must experience, less effort and less...

These days whenever we open a newspaper, tune to news channel or checkout for top news around us; what we get to read?? Small children are taking the extreme steps like Running away from home, doing Suicide, Killing and more. Even when I want to think that may be the situation or the environment around them made them do this, I couldn’t stop thinking that from where do they get so much of courage or is it lack of self esteem that make them do these all unethical, immoral, illegal activities. Recently, I read in newspaper (mid-day, Mumbai, October 4,2016; Page 02) that a sandwich maker helped the police catch some robbers and just bellow that news was that a 16-year-old jumps of 6 th floor. And the mere reason was that she was scolded by her father. That’s is something that made me feel that its high time that parents realize that they should stop pampering their children like small babies all the time. People should really understand that they are not making their child strong, o...

We never know when we meet a person whom we adore and respect so much that we are ready to loose ourself for them.  We do whatever possible on this Earth to keep them happy without thinking of is it worth or is it just for a while. We do just to enjoy the moment we have and get maximum out of those moments. Sometimes we get so attached that we don't understand that we love them as a lover or are we loving them as a best friend.  For us they mean our smile, our life.  They and their happiness become more important than our own. Passing an hour without talking to them feels like something is killing us inside.  Just imagine with this type of bond there comes a day when you didn't got to hear from them for almost 2-3 days.  What will happen to you?? When the opposite person knows and feels same for us then how beautiful our life becomes. And when they are ready to accept it in front of anyone and show what you mean to them without caring who is watching, its ...

Form unknown to you became close and the best of friends. Started understanding each other in a way that no one would have been so understanding and in sync to your heart. You started treating the person in a best possible way and gave them a place in your heart, your life which you know you would not be able to give to anyone else. The person knows that well still kept testing you now and then. Finally accepted that you the most important person of their life after the family. Gave you hope and feeling that no one could ever take your place and they never want you to leave or go away from their life whatever happens. Suddenly after few days, he/ she says that someone else has become as important as you are whom he/she met long after you and they know that you and that person can never be friends and you had a fight with them which that third person started. Now the person close to you started avoiding you, lying to you, they even stopped calling or messaging you themselves. Always s...

Who are besties? In my view Besties are those on whom you can bet your life on, who understands you better than everyone even your parents, with whom you can share each and everything knowing that your secrets are safe with them. If you can say that this is the person for whom I can leave other’s, then that person can be your partner or your bestie. So what is the difference between, partner and bestie. Leaving a partner can be easier than leaving a bestie. People don’t become besties from the time they meet up for the first time. It takes time to transform from strangers to besties.  Love at first sight still exists but besties at first sight, NEVER. So, what all things are important or transform two people into besties? Is it money, force, you want to be besties so u become or something else. It is definitely something else, it’s not about how much money you spend on the person, it’s about how much time you spend with the person. You always want to be with your bestie at e...