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Investing psychology

 Everyone wants to be a great investor. And Why not? Investing is challenging, best way to have financial freedom and thereby live life the way we want to live. But market study has suggested that an average investor loses more money than he gains while doing investing or stock trading. Why does this happen? Does it have to do with technical knowledge like fundamental analysis, stochastic analysis, ability to reach charts diligently, knowledge of useful patterns, etc. Well! Expert investors say quite contrary to this. According to them, an average investor remains average because he/she lacks the temperament, the character and above all lack the way successful investors think. It all boils down to psychology. Behavioral psychologists have pointed many limitations which leads to error in our decision making process. Whenever we make decisions we have plenty of information available. But that information contains noise as well. Eliminating noise is quite important while doing investing.
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The Delay Cost of Investing

 Greetings, We hope you liked our previous post on Education loans in India . In this article we will briefly look at "The Delay Cost Of Investing". “Lots of people wait around "for the right time". People don't know that there is no such thing as a right time. Time is never right nor wrong. The only negative factor of time is that you can lose it and the only positive factor of time is that you can seize it.” ― C. Joy Bell Similarly in the investment world, time is as important as money. In fact, time is actually more valuable than money since you can get back lost money but there is no getting back lost time. This is why we need to understand that sitting back and doing nothing has a cost attached to it too and that’s what we’re going to look at in this post. Delaying your investments because you are waiting for the market to rise or fall is a “fool’s errand.” This is because no one can accurately predict the future and all you’re doing by waiting is eroding y
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All you need to know about the education loans in india

Greetings, Education, as we all know, is most vital asset in the modern world. And when it is from prestigious institutions it widens our horizons more. But accessing it can be difficult for quite a lot of students due to finance. This is where education loans can help. Indian banks provide wide range of education loans. Loans for studying in India, abroad, for higher education in IITs, IIMs, NITs, etc (with special benefits) and loans even for vocational courses.   Eligible Courses Graduation, Post-graduation courses approved by UGC/ AICTE/ IMC/CIMA (Chartered Institute of Management Accountants) - London, CPA(Certified Public Accountant) in USA, etc. Teacher Training/ Nursing courses approved by Central government or the State government. Courses run by Industrial Training Institutes (ITIs), Polytechnics, training partners affiliated to National Skill Development Corporation(NSDC)/ Sector Skill Councils, State Skill Mission, State Skill Corporation. Certificate/Diploma/De
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Three Main Categories Of Systematic Transfer Plans

Greetings, In our previous post, we covered Life and Health Insurance , In this post we’re going to look at Systematic Transfer Plans and the many associated benefits. Since the tag line that goes with all mutual funds is that they are subject to market risk, financial experts recommend Systematic Transfer Plans (STP) to spread investments out over a longer period of time in order to mitigate risk as much as possible. As opposed to investing a lump sum amount in one go, you invest a fixed amount periodically in order to reduce the propensity to market fluctuations. Now in case you’re thinking that this sounds like Systematic Investment Plans, STPs are actually different. How they work is that your entire investment is first parked in a liquid or liquid plus funds where it generate steady returns at prevailing interest rates, while a fixed amount is earmarked for periodic investment in prospective schemes under the same fund house. There are three main categories of STPs: Fixed STPs In
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Why Life and Health Insurance Should Be An Integral Part Of Your Wealth Management Portfolio?

Greetings, We hope you liked our post on maintaining a balance between health and wealth management and we’ve put it here in case you missed it! Steve Jobs was famously quoted saying “No one wants to die. Even people who want to go to heaven don’t want to die to get there. And yet, death is the destination we all share. No one has ever escaped it.” That being said, there’s a certain comfort in the knowledge that no matter what happens, we not only have the means to pay for our medical treatment if required but also the means to provide for our families in the case of any eventuality. If life insurance & health insurance don’t feature on your list of priorities when it comes to building an investment portfolio, you’re not building it on a very strong foundation. In fact, life and health insurance are the very foundation that the financial pyramid , (explained in our post on building a wealth management portfolio), is built on. This is because safeguarding what you already own, Even
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Four Critical Components Of A Good Estate Plan

Tennessee Williams once famously said: “Ignorance of mortality is a comfort.” While ignorance is indeed bliss, it’s also a comfort that people with loved ones and dependents, cannot afford to have. In today’s post, we’re going to look at the importance of estate planning, as well as the benefits of designating heirs for your assets in case of your untimely demise. While the word “estate” might mislead readers to think this is only for large landowners, estate planning is for anyone who has assets that they would like to leave behind for loved ones or dependents. The main goal here is to make sure that all your assets are distributed as per your wishes, while also minimizing taxation on whatever you leave behind.  Additionally, estate planning isn’t just about distributing wealth and you can also delegate responsibilities like in the case where you have children, you can delegate a legal guardian to care for them in case fate doesn’t permit you to. Protecting what you leave behind from
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Quick Look At - Aditya Birla Sun Life - NFO Multi-cap Fund

In today’s post we’re going to take a quick look at a new fund offering called Aditya Birla Sun Life Multi-cap fund, along with a summary of its investment philosophy and key benefits. A multi-cap fund is an equity-oriented mutual fund scheme that invests across market capitalizations. What’s important to note here is that markets regulator Securities and Exchange Board of India (SEBI) on September 11 announced changes to the constitution of multi-cap funds. According to the new constitution, these funds are now required to invest a minimum of 75 percent of their total assets in equity and equity-related instruments, as well as a minimum of 25 percent each in large, mid, and small-cap stocks. In reference to this update Mahesh Patil, Chief Investment Officer, Aditya Birla Sun Life AMC, was quoted stating: “The economy is expected to grow at a much faster rate in the next three to five years. Many small-cap companies are expected to report healthy earnings growth, making them good inve
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