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Where And How Should Senior Citizens Invest

The period of retirement means end of work. The old age is vastly different from the young age due to increased medical expenses and less capacity to work. Traditionally senior citizens prefer to invest in fixed deposits or fixed income schemes offered by the government. They prefer to have a lighter portfolio since they are more concerned about protecting their capital and are generally risk averse. They prefer investments that have low risk and high liquidity even if it offers moderate returns. However inflation has the biggest impact on the lives of senior citizens. It affects their spending patterns. Lack of awareness force them to invest in traditional savings instruments that work like double edged sword.    The mutual fund universe is vast and offers products for every class of investors. Mutual fund are not only liquid but they also offer higher return than traditional saving instruments. Debt funds, balanced funds and liquid funds are ideal for senior citizens. Since seni
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How SIP Calculator Can Help You?

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  www.investonline.in  website provides a tool known as an easy-to-use SIP calculator for comparing different plan options. You can use SIP calculator to gauge the potential returns your capital will get in future. Example: If you invest ₹1,000 in a ₹50 per unit SIP, what kind of returns will you see? You can select a 5-year rolling return for your calculation. The result shows an expected growth rate of around 12% per annum for the ₹1,000 investment. The longer the period, the higher the returns. The tool calculates returns as a percentage. If your contribution is made for a 15-year period, the estimated return on your investment will be in the range of 15.5% to 17.7%. This shows that SIPs have the potential to deliver higher returns compared to other investment options. However, you will also get higher risk. Minimum Invested Amount Most SIPs come with a minimum amount for investment. This is what the fund house requires as part of the SIP contract. The minimum amount needs
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Investing Mistakes To Avoid And Why You Should Start Investing Now!

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As the 21st century approaches, new technologies and ways of thinking are making it easier to harness resources and opportunities to create value for others. The impact of technology is so profound that many of the questions which young people need to answer for their own development are about harnessing the power of new forms of communication to increase our social and economic impact. Today’s generation is the most indebted and the most inexperienced investors in history. They also struggle with traditional methods of saving and investing. Some people are very risk-averse and won't spend any money at all, and some are very aggressive and spend like crazy. A lot of the debt that millennials are taking on is what's called "involuntary debt," where they owe the money, or someone lent them the money to buy something. So they're paying interest on something they don't own. So it's a little bit of a self-inflicted wound. And the other thing that can happen
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Do you really need international funds in your portfolio?

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Answering yes to the above question means that now is a good time to review your international exposure and rebalance your portfolio. If you find that you do need international funds in your portfolio and you still have some money left to invest, then consider adding an international fund to your portfolio. You should be aware of some risks, though. International funds are complex International funds are complex in several ways. First, they often have more than one series of shares and different types of units are available. So, before investing, you need to ensure that you understand how the units are listed, traded, and are tax-efficient. In addition, while the underlying portfolios are generally similar, the funds can vary widely in their credit ratings, liquidity, liquidity requirement, etc. You have to consider a lot of different factors before investing in an international fund. What makes international funds volatile? International funds are more volatile In gener
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Why people do not invest in technology oriented startups

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Here is the first thing that comes to mind when we hear technology entrepreneurs discussing why they have not raised any funding: They are clueless. It's not because they are technophiles, but because they do not understand the nature of technology investment. This is a huge challenge because investors are not interested in talking about technology to begin with. They like to invest in growth-oriented companies.   Their interest is only to learn about and from the company and protect their investments. In many cases, founders ignore the importance of investor presentation, where they should have the chance to showcase their technology and strategies. Most importantly, founders should come prepared with a clear plan, realistic targets, and measurable goals. And investors should invest in a team, which they believe can execute in a short period of time. The second problem is the way that most technology companies present themselves when seeking investment. While many entreprene
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What Are Some of the Wealth Creation Mistakes made By People?

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There are wealth creation mistakes that people make at different stages of their lives that keep them behind. There are things that can be improved in order to grow your money faster. The wealth creation mistakes here are making the wrong financial decisions, not investing in the right things, mis-managing your assets, and giving yourself permission to accumulate debt. Here is the irony. Many people do not realise that their habits are actually stealing their money. You earn money through making a good choice, but when you fail to keep it up, it is because you are making bad choices. Make a few good choices consistently, and before long you will be able to figure out your money flow and make money just by staying on track with that.   Have a budget in place. As mentioned earlier, making a budget is the first step to saving money. So take the time to make a budget and keep track of your spending habits.   Save first. Once you’ve budgeted and are aware of what you can save, save fi
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Why Mutual Funds Are Best Friend Of The Investor?

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Mutual funds will ensure that your money gets to grow along with the market. There is no better way to minimize risk than investing in mutual funds. In the long run, mutual funds help you to create wealth by achieving your financial objectives. Mutual funds allow you to choose from a wide variety of mutual funds with varying degrees of risk. This variety of funds makes your decision easy and ensures that you have diversified portfolio. Mutual funds also provide an opportunity for higher return with less risk. It’s a big myth that mutual funds are risky. You should only invest in mutual funds as a last resort. If you are looking for investing for financial freedom, then mutual funds will ensure that you have enough financial freedom. There are various benefits of investing in mutual funds. Below is a list of mutual funds benefits which every investor should understand before investing in mutual funds: Unlimited Options: Mutual funds allow you to have unlimited options. They al
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