Tax planning above 60

After retirement capital protection, income and health insurance are important financial objectives. Though capital protection is an objective after retirement, with increasing life spans and high inflation, equities, appropriately weighted in your asset allocation, should continue to form a part of your investment portfolio. Having said that, at this stage… Continue reading

Should we invest in PPF or ELSS

Both PPF and ELSS have their merits and demerits. Your investment choice should be informed by your investment objectives and your risk tolerance level. Your risk tolerance level is based on several factors (discussed in our article Measuring Risk Tolerance of Investors). Age and financial situation are certainly two important… Continue reading

Should we invest in Growth Option or Dividend Option

Choosing between Growth and Dividend Option should be determined by the financial objectives of the investor. Investment horizon and tax considerations also determine, whether you should opt for growth or dividend options. Here are some general guidelines that will help investors choose between dividend and growth options:- If the investment… Continue reading

Difference between mutual funds and ULIP fund management

Equity mutual funds are actively managed. The mutual fund managers actively manage their portfolios and try to beat market indices. ULIP funds are more passively managed and there is less portfolio churn. The company weights in ULIP funds usually track a benchmark market index. Diversified equity funds have more aggressive… Continue reading