Have you been trying to sell life insurance to a HNI? Don’t. Death Benefit is not what HNIs want to buy HNIs are not inclined to buy life insurance. A successful person does not want to hear of death. He or she wants to hear something more positive. A person who is not a HNI… Continue reading Human Life Value Part II: Selling to HNIs
A Rent Past Experience It will be worth recalling a recent experience of the introduction of a new financial product for retail investors. Every now and then, there are new avenues of investments for the retail investor. A few months ago it was the Alternate Funds which were aggressively sold. The Alternate funds also called… Continue reading Bonds of State Governments
The Bharat Bond ETF has been oversubscribed. Many of the analysts would have investors believe that the Bharat Bond is perfectly safe and can be sold as an alternative to fixed deposits of banks. In terms of investment risks they are both fundamentally different. Read more to know why
The e-paper Live Mint reported on 4 Sept 2019, that the average interest on Public Provident Fund (PPF) for the period Financial Year 2014 to 2019 was 8.21 %. In the same period Live Mint reported that Large Cap mutual funds earned 7.79 % Multi Cap mutual funds earned 8.57 % ELSS schemes earned 8.53… Continue reading 5-Year return on Mutual Funds
When one does a course in Marketing Management at a management institute, one of the things students are thought is product positioning. Product positioning is knowing where your category of product stands amongst all other competing products. It also gives an idea of the market segment where one should market one’s products and the strengths… Continue reading Explained: The Market for Traditional Endowment and ULIPs
There was a time not long ago when the share markets were volatile when the mutual fund sellers advocated that investors should switch to debt mutual funds claiming that debt funds were safe. They sold debt funds as safe investments, till IL&FS defaults hit the market. Suddenly it transpired that many mutual funds had invested… Continue reading Debt Funds Anyone?
This article is a case study of how the degree of risk in an investment can suddenly change. An investment that is considered safe can almost overnight become a dead investment and investors lose in the resulting volatility of price fluctuations. The financial sector knows how to hide truth Whatever else one may say of… Continue reading Explained: Side Pocketing – An Example of How Investment Risk Actually Works in Practice
The Fact – Indians prefer low risk investments Savings data compiled by Central Statistical Office (CSO), Government of India, and published by the Reserve Bank of India in its Handbook of Statistics, shows that without exception since the time they started publishing the data from 1970 till date (48 years, now), Indians have always put… Continue reading This is a FACT not an Opinion
The newspaper Mint reported on 4 December 2018 (MFs extend loans to listed entities against shares in promoter firms by Jayashree Uphadhyay and Gopika Gopakumar) that some of the mutual funds have extended loans directly to companies. Some of mutual funds that have been mentioned in the article are: Franklin India Ultra Short Bond, Reliance… Continue reading Are mutual funds banks?
One of the most repeated lines in the media is that traditional life insurance endowment is low return and that if one wants life insurance it is better to buy term insurance and with the balance of money (saved by not buying traditional insurance) buy mutual funds. This is one of the most unscientific statements… Continue reading Term Insurance and Mutual Fund Combo
