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Juzer Gabajiwala In this article, we will explain the categorization of debt funds in brief and its features impact.
Thu, 19 Apr 2018 11:20:20 +0530


Pankaj Mathpal Dynamic asset-allocation funds factor in market valuations before investing in various assets.
Tue, 10 Apr 2018 09:43:00 +0530


Does investing in sectoral equity mutual funds make sense? With sector funds, the timing of the investment and the health of the concerned sector is very crucial.
Mon, 09 Apr 2018 09:57:49 +0530


Mutual Fund Day: Family Financial Plan series Financial management is not just about how much money you make, it is also about how much you save, how hard you make it work for you and how many future generations you keep it going for. Mutual Fund Day – Family Financial Plan Series chronicles different financial planning case studies of individuals with unique financial background selected from different parts of India.
Sat, 31 Mar 2018 15:54:48 +0530


Do-it-yourself investors, go for direct plans for greater wealth creation As direct plans do not incur distribution expenses, the savings made in total operating expenses remain invested with the fund, which then start generating returns.
Wed, 28 Mar 2018 10:58:05 +0530


Mahesh Patil Retail investors are showing slight concern with market correction and going forward we may see 20% drop in flows compared to last 6-month average, Mahesh Patil told CNBC-TV18
Tue, 27 Mar 2018 11:16:29 +0530


Health insurances are doubling up as attractive tax saving tools. Here’s how The following article is an initiative of HDFC Life and is intended to create awareness among the users.
Thu, 15 Mar 2018 13:06:30 +0530


Health insurances are doubling up as attractive tax saving tools. Here’s how The following article is an initiative of Reliance General Insurance Company Limited and is intended to create awareness among the users.
Thu, 15 Mar 2018 13:06:30 +0530

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About Us

VM Wealth Creation Provided Services to Clients Since Last 22 years.We Are a fee based financial planning firm providing holistic solutions in personal finance. We help people understand their current financial situation, create and prioritize financial goals, and develop a sensible plan to reach or exceed those goals.

In life at every point of time you need money to fulfill your and your family’s requirement, but what about when you would not be there to look after your family.

Mr. Akhil was living with his loving wife and two children. He was in service and getting a salary of Rs 40000/- and other hidden income (which one receive through the employment but that isn’t part of gross wages). He was fulfilling his family’s requirements to the fullest and enjoying every moment of their lives. 

 

Unfortunately he expired at age of 35. The surviving member did not have any source of income after his death, but fortunately he had a Life Insurance Cover. So his wife got the money (Sum Assured) from the insurance which she wisely invested. The loss of her husband cannot be compensated but with the money she got from the insurance company she was able to run her house smoothly.

Mr. Bhaskar whose income and family circumstances were the same as Mr. Akhil’s. Mr. Bhaskar expired at age of 35, but unfortunately he did not have a Life Insurance Policy. So their situation was completely opposite. His wife and children had to face a lot of problems with no such income. They had compromise with the many important things in life like studies, children’s marriage, their health, standard of living etc.

The fact is, its always a loss which you suffer when you lose someone you love. But your emotional struggles dont need to be compounded by financial difficulties. Life insurance helps make sure that the people you care about will be provided for financially, even if youre not there to care for them yourself.

In short Life Insurance is the way to keep your family independent with you and after you.

 Mutual fund is a trust that pools money from a group of investors (sharing common financial goals) and invest the money thus collected into asset classes that match the stated investment objectives of the scheme. Since the stated investment objectives of a mutual fund scheme generally forms the basis for an investors decision to contribute money to the pool, a mutual fund can not deviate from its stated objectives at any point of time. Every Mutual Fund is managed by a fund manager, who using his investment management skills and necessary research works ensures much better return than what an investor can manage on his own. The capital appreciation and other incomes earned from these investments are passed on to the investors (also known as unit holders) in proportion of the number of units they own.

When an investor subscribes for the units of a mutual fund, he becomes part owner of the assets of the fund in the same proportion as his contribution amount put up with the corpus (the total amount of the fund). Mutual Fund investor is also known as a mutual fund shareholder or a unit holder. Any change in the value of the investments made into capital market instruments (such as shares, debentures etc) is reflected in the Net Asset Value (NAV) of the scheme. NAV is defined as the market value of the Mutual Fund schemes assets net of its liabilities. NAV of a scheme is calculated by dividing the market value of schemes assets by the total number of units issued to the investors