Does More Risk Always Mean More Returns?
Fund Matters
by Fund-Matters
4M ago
    Correlation between risk and reward:   A correct statement may be that there is a positive correlation between the amount of risk and the potential for returns. Generally, a lower risk investment has a lower potential for profit. A higher risk investment has a higher potential for profit, but also a potential for a greater loss.   Risk-Return Tradeoff:   The risk-return tradeoff states that the potential return rises with an increase in risk. Using this principle, individuals associate low levels of uncertainty with low potential returns, and high levels of uncer ..read more
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Annuity: A Good Option for Pension/Retirement Income?
Fund Matters
by Fund-Matters
4M ago
    Annuities:   Insurance companies have been investing their clients’ retirement money in annuities over the years. This practice has its detractors, with the criticism mainly focusing on the high commissions paid to annuity sales personnel and the stiff fees charged to annuity owners year after year. In fact, when comparing the costs of an annuity Vs. mutual fund, there can be a huge difference, with a mutual fund being less expensive. So, it pays to know the details about annuities before you invest.   How Annuities Work:   An annuity is a contract between an indi ..read more
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Financial Planning for Investors With Seasonal Income
Fund Matters
by Fund-Matters
7M ago
    India has the world’s second largest freelance workforce or self-employed people after the United States, according to a ‘Truelancer freelancer India’ survey report of 2018. So, here are some steps that you need to take for your financial well-being, if you are a self-employed person with seasonal income or irregular income. Build a contingency fund:   For self-employed people and freelancers, income is irregular. A contingency fund is the money set aside to cover unexpected situations or losses in business. The purpose of the fund is to improve your financial security by cr ..read more
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Annuity: A Good Option for Pension/Retirement Income?
Fund Matters
by Fund-Matters
8M ago
    Annuities:   Insurance companies and agents have been investing their clients’ retirement money in annuities over the years. This practice has its detractors, with the criticism mainly focusing on the high commissions paid to annuity sales personnel and the stiff fees charged to annuity owners year after year. In fact, when comparing the costs of an annuity Vs. mutual fund, there can be a huge difference, with a mutual fund being less expensive. So, it pays to know the details about annuities before you invest.   How Annuities Work:   An annuity is a contract betw ..read more
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Investing Internationally? – Does it Really Provide Portfolio Diversification?
Fund Matters
by Fund-Matters
8M ago
  International Portfolio:   An international portfolio is a selection of stocks and other assets that focuses on foreign markets rather than domestic ones. An international portfolio appeals to investors who want to diversify their assets by moving away from a domestic-only portfolio. This type of portfolio can carry increased risks due to potential economic and political instability in some emerging markets. There also is the risk that a foreign market’s currency may slip in value. The worst of these risks can be reduced by offsetting riskier emerging-market stocks with ..read more
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Consequences of Poor Financial Planning
Fund Matters
by Fund-Matters
8M ago
  What is Financial Planning?   Financial planning is a holistic exercise to evaluate your current and future financial standing and thereby enabling you to achieve all your goals in a systematic manner.   A financial plan creates a road-map and equips you to meet all your life’s expenses – both the expected and unexpected. Financial planning includes budgeting your expenses, investing in right assets, setting SMART goals, selecting right asset allocation, creating a retirement plan and more.   The only way to ensure a financially secure future is through proper financial ..read more
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Creating A Personal Health Fund For Retirement In Absence Of/ Low Health Insurance Coverage
Fund Matters
by Fund-Matters
8M ago
    Need for health insurance: Healthcare costs have been rising exponentially across the globe. Many policy holders are not happy as there is lot of gap in health insurance- expectations and reality. These costs alone have pushed around 55 million Indians below the poverty line. To make healthcare affordable, the Government of India has announced the Ayushman Bharat scheme to provide cover of Rs 5,00,000/- per family per year to 100 million vulnerable families. One can also buy a health insurance plan from any general insurance company, for a fixed cover amount ( say Rs 5 ..read more
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Personal Finance Questions You Should Ask Yourself
Fund Matters
by Fund-Matters
8M ago
Asking questions and learning more about any topic is a way to improve and upgrade your thinking. It applies to personal finance as well.  When someone has good understanding about personal finance and other related fundamentals, it helps them to make better bottom-line decisions.   Here are some personal finance questions you need to ask yourself:-   1. Are your basics covered?    Many financial advisors strongly recommend covering ‘basics‘ before starting any investments. Basics mean having enough in your: Emergency Fund Term Insurance &  Health Insurance ..read more
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Investing in Bonds – Worth it? How Do I Determine It’s Good For Me?
Fund Matters
by Fund-Matters
8M ago
Bonds   Bonds are the fixed-income debt instrument that amounts to a loan from an investor to a company or government. A bond document includes details about terms, interest rates and payment schedule. Companies or governments issue bonds when they want to raise money, finance new projects or maintain operations, where each bond comes with the maturity date and terms for interest payments. The interest payment is referred to as the coupon. The coupon rate usually goes higher along with the length of lending period. When the bond is trading for less than the face value, then it is said to ..read more
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Kids with Special Needs – How Can Parents Secure Their Future?
Fund Matters
by Fund-Matters
8M ago
  All parents worry about their children’s future, but when your child has disabilities or special health care needs, it is normal to have additional concerns like If the child can not work, how to make sure expenses are covered, etc. Here are a few steps to planning your child’s financial future and well-being. 1. Create a Special Needs Trust A special needs trust is important for your child’s long-term financial plan. It is where you can put money that you save, that others give to your child as gifts, and that you receive from any insurance settlements.   2. Write a Will A will s ..read more
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