Gupta Investments Financial Services Private Limited

What is an Endowment Policy? One kind of life insurance policy that combines the advantages of insurance protection with savings is the endowment policy. In order to get a lump sum payment at the policy's maturity, endowment plans assist the insured in routinely saving over a certain length of time. In the event that the insured lives through the policy's whole term, the maturity amount is paid. However, in the terrible event that the insured passes away while the policy is in effect, the beneficiary or nominee of the insurance will be paid the sum assured as a death benefit, together with any bonuses. In addition, endowment policies aid in building a financial buffer for the future so that both short-term and long-term financial goals may be accomplished. Types of Endowment Policy Unit Linked Endowment Plan This fixed-term savings plan also offers life insurance as a bonus. The premium paid by the insured under this plan option is divided into several units held unde...

Asset allocation is a sort of investing strategy that seeks to balance risk and return by distributing a portfolio of investments among several asset classes, including equities, fixed income, cash and cash equivalents, real estate, etc. According to the hypothesis, because each asset class has a distinct connection to one another, asset allocation enables investors to reduce the impact of risk on their portfolio. Importance of asset allocation Different asset classes move in various ways. Rarely do all asset classes perform together. In order to pace the market, it can be thought that it is advisable to invest in mutual funds that are doing very well at the moment. To anticipate the direction in which any asset class will go at any particular time, however, is quite difficult for anyone. For instance, gold investments may decline while stocks rise, and vice versa. Therefore, it makes sense to spread out assets among a variety of asset classes. This is done so that, in the event ...

A fixed deposit is the most common and safest investment option in India. Because Indian citizens prioritize the safety of their investment funds, fixed deposits have dominated the market as a low-risk investment option. Furthermore, because corporate fixed deposits pay higher interest rates than banks, new-age investors are gravitating toward high-interest fixed deposit schemes from NBFCs in order to earn a substantial return on their investment. A fixed deposit is a good investment for investors who want to earn consistent returns without exposing their funds to market risks. A fixed deposit is only beneficial if it is booked for the long term. As a result, if you have a long-term goal, an FD (Fixed Deposit) is the best investment option in the current cash-strapped economy. Few reasons why FD are the best investment option: Sweep out feature: This is the best option that banks provide to Savings Account customers. Enabling this option converts excess funds over a ce...

Recurring Deposit (RD) is a popular investment option in India. Customers can choose their investment amount and tenure, as well as a variety of other benefits. This investment tool, which is available in flexible tenure options ranging from 6 months to 10 years and is offered by multiple banks and NBFCs, helps channelize monthly savings for long or short-term corpus creation. The list of such RD types is shown below: 1. Regular Recurring Deposit Accounts: The majority of Indian banks and NBFCs provide this type of RD account. If a person is at least 18 years old, they are eligible to open an account. You must select a tenure and recurring amount before you can start an account. There are two ways to compute interest: simple and compound. The lump sum can be withdrawn at the end of the tenure; no further funds may be put during the current tenure. Available tenures and minimum deposit amount required differ from bank to bank (or NBFC). 2. RD Account for Minors: Under the supe...

The probability of having health issues rises with parental ageing. Additionally, an elderly citizen's healthcare costs are higher than those of a young one. Purchasing a health insurance plan for your parents is one of the finest methods to help them in case of an emergency medical situation. If you do this, your parents won't have to spend their entire life savings on medical expenses. Additionally, you can take care of your parents without compromising your financial stability. However, there are numerous insurance providers who offer older citizens-focused coverage. How then do you choose the finest policy for your parents? This article will provide some insight into the elements you should take into account when selecting a health insurance plan for your parents. How Do You Choose The Best Health Insurance For Your Elderly? To facilitate your search, we've created a list of considerations you should make before purchasing senior health insurance: Check The Hospital Ne...

SIP provide the ideal investing method for growing your money for several reasons, especially if you have a financial objective. Let's discuss the benefits of starting an SIP immediately. 1. No More Forgetting: Because you invest a percentage of your monthly income with SIPs, discipline is more important. If you make SIPs a habit, they are automated and can aid in your long-term financial growth. In this way, investors can schedule SIP investments to be taken out of their bank accounts on a particular day. 2. Ensured Monthly Savings A systematic investment plan (SIP), as previously said, instils discipline and develops you as a committed investor, allowing you to reach your financial goals. You can begin with SIP and progress through it. Once you've developed your investment discipline, you might investigate several wealth-generation tactics.   3.You Can Start Small: The SIP strategy enables you to start investing with as little as a Rs.500 monthly installment. Ev...

Ways to Measure Returns Absolute returns:  In this scenario, regardless of the length of the investment, the growth that is made with the funds will be fixed. These are typically utilized when figuring out returns for periods shorter than a year. Annualized Return: The term "annualized return" refers to the returns that investors earn every year. This type, also known as CAGR (Compounded Annual Growth Rate), is useful for comparing investments with various tenures. The formula is CAGR = [(Current NAV value/Purchase NAV value) (1/number of years)] in mathematics. -1} *100 Total return:  This includes dividend, interest, and gain-related returns as well as all other returns. Two businesses, X and Y, might both experience the same growth in a given year. However, X has also distributed dividends, demonstrating that X has outperformed Y in terms of performance. If you want to compare the mutual fund s overall performance and not simply the price change, use this method. Retur...