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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

  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

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

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