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Importance of Mutual Funds in Financial Planning 

1 minute

Few years ago, manufacturers of ready‐to‐eat Indian food were baffled with the poor response to their range of convenience foods.  Beyond young single people, the market refused to expand to families. Their research showed that families were looking at saving time spent in the kitchen.  What was going wrong?  Another research was commissioned, which showed that the woman of the household preferred to add her ‘touch’ however little it may be, before serving the meal.

Financial Goal Based Investing 

1 minute

When we take our family on a holiday, we make several plans – for travel, stay, sightseeing, equipment, food, and other expenses.   Many of these decisions however depend on a crucial factor – our travel destination.  If we travel to Ladakh we will carry woolens and trekking equipment; if we went to Goa we will pack sun screens and swimming costumes.   Our travel plan is defined by the destination.  Similarly, our investments have to be defined by our financial goals.  

Dividend vs Growth Option 

1 minute

When investors consider an investment option, they worry simultaneously about several things. Is this investment tax‐efficient? Does it reduce or increase my tax liability? Does this investment grow in value? Does it provide a regular return like dividend or interest?  If they choose an investment that provides regular income, like a bond or a deposit, they get no appreciation in the value invested.

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